The earnings call highlighted consistent profitability and strong dividend payouts, along with stable net interest margins and improved loan originations. However, challenges were noted in declining loan balances and increased nonperforming loans, along with an intensely competitive environment affecting loan yields.

Company Guidance

During the second quarter of 2025, CVB Financial Corporation reported net earnings of $50.6 million or $0.36 per share, marking their 193rd consecutive quarter of profitability. The company declared a $0.20 per share dividend, continuing its streak of 143 consecutive quarters of cash dividends. Their return on average tangible common equity was 14.08%, and the return on average assets was 1.34%. Pretax pre-provision income increased by $1.3 million from the previous quarter, reaching $68.8 million, while net interest income rose by $1.2 million to $111.6 million. The net interest margin remained stable at 3.31%, benefiting from a deleveraging strategy that improved it by 26 basis points year-over-year. Total deposits and customer repurchase agreements grew by $123 million from the first quarter to $12.4 billion, with noninterest-bearing deposits increasing by $63 million. Loan originations surged by 58% quarter-over-quarter, though total loans slightly declined by $5 million due to lower line utilization. Noninterest income was $14.7 million, with trust and international fees contributing to a $700,000 increase, excluding the impact of a prior $2.2 million OREO gain. Noninterest expenses decreased by $1.6 million to $57 million, improving the efficiency ratio to 45.6%. The allowance for credit losses was $78 million, representing 0.93% of gross loans. Overall, the company maintained strong capital ratios, with a common equity Tier 1 capital ratio of 16.5% and a total risk-based capital ratio of 17.3%.

Consistent Profitability

Reported net earnings of $50.6 million or $0.36 per share for the second quarter of 2025, marking the 193rd consecutive quarter of profitability.

Strong Dividend Record

Declared a $0.20 per share dividend for the second quarter of 2025, representing the 143rd consecutive quarter of paying a cash dividend.

Stable Net Interest Margin

Net interest margin remained at 3.31%, with net interest income $1.2 million higher than the prior quarter.

Increased Loan Originations

Loan originations in the second quarter of 2025 were approximately 58% higher than the first quarter of 2025 and 79% higher than the second quarter of 2024.

Improved Efficiency Ratio

Efficiency ratio improved to 45.6% in the second quarter compared to 46.9% in the first quarter.

Strong Deposits Growth

Total deposits and customer repurchase agreements increased by $123 million from the previous quarter and $330 million higher than the same quarter last year.

Cvb Financial (CVBF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CVBF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.37 / -	0.37	―	―	―
Jul 24, 2025	2025 (Q2)	0.35 / 0.36	0.36	0.00% (0.00)
Apr 23, 2025	2025 (Q1)	0.33 / 0.36	0.35	2.86% (+0.01)
Jan 22, 2025	2024 (Q4)	0.34 / 0.36	0.35	2.86% (+0.01)
Oct 23, 2024	2024 (Q3)	0.35 / 0.37	0.42	-11.90% (-0.05)
Jul 24, 2024	2024 (Q2)	0.34 / 0.36	0.4	-10.00% (-0.04)
Apr 24, 2024	2024 (Q1)	0.34 / 0.35	0.42	-16.67% (-0.07)
Jan 24, 2024	2023 (Q4)	0.38 / 0.35	0.47	-25.53% (-0.12)
Oct 25, 2023	2023 (Q3)	0.40 / 0.42	0.46	-8.70% (-0.04)
Jul 26, 2023	2023 (Q2)	0.39 / 0.40	0.42	-4.76% (-0.02)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CVBF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$19.76	$19.27	-2.48%
Apr 23, 2025	$18.60	$18.73	+0.70%
Jan 22, 2025	$20.27	$20.24	-0.15%
Oct 23, 2024	$18.43	$19.01	+3.15%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Cvb Financial Corp. (CVBF) report earnings?

Cvb Financial Corp. (CVBF) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Cvb Financial Corp. (CVBF) earnings time?

Cvb Financial Corp. (CVBF) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CVBF EPS forecast?

CVBF EPS forecast for the fiscal quarter 2025 (Q3) is 0.37.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing