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CVB Financial
CVB Financial (CVBF) investor relations material
CVB Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Reported net earnings of $55 million ($0.40 per share) for Q4 2025, marking 195 consecutive profitable quarters and 145 consecutive quarters of cash dividends.
Full-year 2025 net income reached $209.3 million ($1.52 per share), a 4.3% increase over 2024.
Largest financial institution headquartered in the Inland Empire, with $15.6B in assets, $8.7B in gross loans, and $12.6B in deposits as of December 2025.
Pending acquisition of Heritage Commerce, expected to close in Q2 2026, will expand Bay Area presence and deliver significant cost synergies.
Focused on relationship banking for privately-held and family-owned businesses with annual revenues of $1–300M.
Financial highlights
Q4 2025 net interest income rose 6.1% sequentially to $123 million; net interest margin expanded to 3.49%.
Full-year net interest income was $460.3 million, with a 2025 net interest margin of 3.36%.
Total loans at year-end were $8.7 billion, up $228 million (2.7%) from Q3 and $163 million (2%) year-over-year.
Asset quality remained strong: NPA/TA at 0.05%, classified loans at 0.61% of total, and net recoveries of $325,000 in Q4.
Q4 2025 efficiency ratio was 46.3%; cost of deposits was 0.82%, among the lowest in the KRX index.
Outlook and guidance
Loan pipelines remain strong into 2026, with optimism for continued growth and stable utilization.
Management remains cautiously optimistic about 2026, expecting to benefit from the Heritage merger and new market opportunities.
Economic forecasts project stable GDP growth and moderate unemployment through 2028.
CRE price index growth expected to remain positive, supporting loan portfolio quality.
Forward-looking statements caution on economic, regulatory, and integration risks, especially regarding the pending Heritage Commerce Corp merger.
Adjust Q4 NIM for nonperforming loan payoff
What drove the Q4 noninterest income decrease?
Quantify Q4 loan payoffs impact on NPA
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Next CVB Financial earnings date
Q1 202623 Apr, 2026
CVB Financial
Next CVB Financial earnings date
Q1 202623 Apr, 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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