CVB FinancialFRA:BCV -2.58%61 Return-on-Tangible-Equity is 13.36% as of Mar. 2026, which is 9% below its 10-year median of 14.74. GuruFocus rates FRA:BCV with a GF Score™ of 61/100 and a GF Value™ of €18.03. The stock has 4 warning signs investors should review. Among 1,521 Banks companies, CVB Financial ranks better than 67.98% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. CVB Financial's annualized net income for the quarter that ended in Mar. 2026 was €176.5 Mil. CVB Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €1,321.2 Mil. Therefore, CVB Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.36%.
The historical rank and industry rank for CVB Financial's Return-on-Tangible-Equity or its related term are showing as below:
FRA:BCV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.34 Med: 14.74 Max: 18.44
Current: 13.94
During the past 13 years, CVB Financial's highest Return-on-Tangible-Equity was 18.44%. The lowest was 11.34%. And the median was 14.74%.
FRA:BCV's Return-on-Tangible-Equity is ranked better than 67.98% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:BCV: 13.94
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
CVB Financial Return-on-Tangible-Equity Related Terms
CVB Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CVB Financial's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:BCV vs RNST, WSFS, FBP: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, CVB Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CVB Financial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CVB Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CVB Financial's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.36% mean?
CVB Financial (FRA:BCV) has a Return-on-Tangible-Equity of 13.36% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CVB Financial and its competitors. This is near median its historical median of 14.74. Over the past decade, CVB Financial's Return-on-Tangible-Equity has ranged from 11.34 to 18.44. According to the industry distribution chart, CVB Financial ranks #487 out of 1521 companies in the Banks industry, placing it in the top 32%.
Is CVB Financial's Return-on-Tangible-Equity too high?
CVB Financial's current Return-on-Tangible-Equity of 13.36% is near median its 10-year median of 14.74. Over the past 10 years, this metric has ranged from a low of 11.34 to a high of 18.44. The Banks industry median Return-on-Tangible-Equity is 11.19. CVB Financial's value of 13.36% is 19.4% above this industry median. Based on the distribution chart, CVB Financial ranks #487 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, CVB Financial has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does CVB Financial's Return-on-Tangible-Equity compare to RNST and WSFS?
According to the Banks industry distribution chart, CVB Financial ranks #487 out of 1521 companies for Return-on-Tangible-Equity. This puts CVB Financial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. CVB Financial's value of 13.36% is 19.4% above this benchmark. Historically, CVB Financial's own Return-on-Tangible-Equity has ranged from 11.34 to 18.44 over the past decade. While the company's 10-year median is 14.74 vs. the industry median of 11.19, CVB Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CVB Financial's current Return-on-Tangible-Equity of 13.36% is 19.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CVB Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CVB Financial's current Return-on-Tangible-Equity is 13.36%, which is near median its own 10-year median of 14.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CVB Financial stock overvalued right now?
CVB Financial (FRA:BCV) has a current Return-on-Tangible-Equity of 13.36%. The stock's GF Value™ is €18.03, compared to a current price of €18.90 — trading 4.8% above its estimated fair value. The current Return-on-Tangible-Equity is 13.36%, which is near median its 10-year median of 14.74 and 19.4% above the Banks industry median of 11.19. CVB Financial's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For CVB Financial (FRA:BCV), the current Return-on-Tangible-Equity is 13.36% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CVB Financial (FRA:BCV) Overvalued in 2026?
Based on GuruFocus' analysis, CVB Financial stock appears to be overvalued.
The current stock price of €18.90 is trading 4.8% above its estimated GF Value™ of €18.03.
Key valuation signals for FRA:BCV:
Return-on-Tangible-Equity: 13.36% (near median its 10-year median of 14.74)
GF Value™: €18.03 vs. price of €18.90 (4.8% above fair value)
Industry Position: 19.4% above the Banks median (#487 of 1521)
No single metric tells the full story. See the FRA:BCV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CVB Financial Corp is the holding company for Citizens Business Bank. Citizens Business Bank offers banking, lending, and investing services. It provides a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans, as well as equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit. It is a community bank with one reportable operating segment.
61GF Score
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