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CVB Financial (CVBF) investor relations material
CVB Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net earnings for Q3 2025 were $52.6 million ($0.38 per share), up from $50.6 million in Q2 2025 and $51.2 million in Q3 2024, marking 194 consecutive profitable quarters and 144 consecutive quarters of cash dividends.
Return on average tangible common equity was 14.11%, return on average assets was 1.35%, and return on average equity was 9.19% for Q3 2025.
The institution is the largest headquartered in the Inland Empire, California, with $15.7 billion in assets, $8.5 billion in gross loans, and $12.6 billion in deposits as of September 30, 2025.
Year-to-date net earnings reached $154.3 million, a $4.4 million increase over the same period in 2024.
Recognized as a top bank by Forbes and S&P Global Market Intelligence.
Financial highlights
Net interest income for Q3 2025 was $115.6 million, up 3.6% from Q2 2025 and 1.7% from Q3 2024.
Net interest margin increased to 3.33% in Q3 2025 from 3.31% in Q2 2025 and 3.05% in Q3 2024.
Noninterest income was $13 million, impacted by an $8.2 million loss on AFS securities sales and a $6 million legal settlement.
Noninterest expense was $58.6 million, up $1 million sequentially, with an efficiency ratio of 45.6%.
Loans increased by $112 million and deposits by $187 million sequentially from Q2 2025.
Outlook and guidance
Management expects continued asset growth, stable credit quality, and strong capital ratios, with low single-digit loan and expense growth.
Economic forecasts anticipate GDP growth below 1.5% until late 2027 and unemployment above 5% through 2028.
CRE price index growth is expected to remain positive but moderate over the forecast period.
Management remains confident in deposit gathering and sees opportunities for further growth, especially in new markets.
How will deposit costs trend with Fed cuts?
Loan growth expectations for the near term?
Strategic goals for the new Temecula office?
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Next CVB Financial earnings date
Q4 202523 Jan, 2026
Next CVB Financial earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
CVB Financial Corp is a bank holding company for Citizens Business Bank, which provides banking and financial services to small and medium-sized businesses and individuals. The company offers commercial lending, deposit services, cash management, and wealth management solutions. It operates primarily in California through a network of branches and financial centers. CVB Financial Corp is headquartered in Ontario, California, and its shares are listed on the NASDAQ.
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