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Dec 31, 2025
CVB Financial Q4 2025 Earnings Report
CVB Financial reported solid Q4 2025 results, with higher net income, improved net interest margin, and stable efficiency metrics.
Key Takeaways
CVB Financial Corp. delivered strong Q4 2025 earnings with net income of $55 million and EPS of $0.40, driven by rising net interest income and margin expansion.
Net income reached $55 million, up from $50.9 million in Q4 2024.
Net interest margin expanded to 3.49% from 3.18% YoY.
Efficiency ratio improved to 44.4% after adjusting for non-recurring items.
Return on Average Tangible Common Equity rose to 14.41%.
Forward Guidance
CVB Financial expects continued profitability into 2026 with a focus on loan growth and stable funding costs, while managing pressures from acquisition costs and market competition.
Positive Outlook
- Strong loan growth of $228 million in Q4 2025
- Improving net interest margin trend
- Stable and improving efficiency ratio
- Low levels of nonperforming assets (0.03% of total assets)
- Continued stock repurchase activity and dividend stability
Challenges Ahead
- Decline in noninterest income due to investment losses
- Acquisition-related expenses increased operating costs
- Decrease in noninterest-bearing deposits
- Ongoing unrealized losses in AFS securities
- Margin compression risk if rate environment changes
Historical Earnings Impact
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Avg. Return Before/After Earnings
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