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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.
Recognized as a top bank by Forbes and S&P Global Market Intelligence, and is the largest financial institution 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.
Focuses on relationship banking for privately-held and family-owned businesses with annual revenues of $1–300 million.
Financial highlights
Net interest income rose to $115.6 million in Q3 2025, up $4 million quarter-over-quarter and $2 million year-over-year.
Pre-tax pre-provision income was $70 million, up 2% from Q2 2025 and 3.5% from 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 from Q2 2025, with an efficiency ratio of 45.6%.
Loans increased by $112 million and deposits by $187 million sequentially from Q2 2025.
Outlook and guidance
Loan pipelines remain strong, with expectations for low single-digit loan growth for the year.
Management expects continued deposit gathering, disciplined expense management, and ongoing investment in technology and automation.
Economic forecasts project stable real GDP growth and moderate unemployment rates through 2028, with CRE price index growth expected to remain positive but moderate.
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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