Cvb Financial (CVBF) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Apr 29, 2026

After Close (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

0.37

Last Year’s EPS

0.36

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 3 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 21, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presents a largely positive operational and financial picture: stronger net interest income, loan growth, solid asset quality improvement, robust capital and buyback activity, and improved OCI from portfolio actions. Headwinds include a decline in noninterest income, elevated unrealized securities losses, modest expense increases, one-time merger-related and securities sale charges, competitive pressure on loan pricing, and conservative macro forecasts (soft GDP, elevated unemployment, and short-term CRE headwinds). Overall, the positives (consistent profitability, NII growth, loan originations, capital strength, and improving asset quality) outweigh the manageable negatives, though risks from competition and macro conditions warrant continued monitoring.

Company Guidance

The company’s forward-looking guidance was modest and cautious: management expects the pending Heritage Bank of Commerce merger to close in Q2 2026 with a systems conversion in Q2 and plans to sell roughly $400 million of single‑family loans on close; macro assumptions (a Moody’s‑weighted baseline) forecast real GDP below 1.5% through 2027 (not reaching 2% until 2029), unemployment rising to ~5% by early 2026 and remaining above 5% through 2028, and commercial real estate prices declining through 3Q26 before recovering through 2029. Operationally, loan pipelines remain strong into 2026 after 2025 loan originations were ~70% higher vs. 2024 (Q4 production ~15% above Q3), with Q4 loan originations averaging ~6.25% yield (quarterly loan yield 5.47%), average earning asset yield up 11 bps to 4.43%, net interest income of $122.7M in Q4, and management expecting to manage deposit beta and asset repricing through upcoming Fed cuts (cost of deposits 86 bps in Q4, cost of funds 1.01%). Capital and credit cushions were highlighted as supportive for the outlook: ACL $77M (0.89% of loans; 133% of NPAs+classified), tangible common equity 10.3%, CET1 15.9%, total risk‑based capital 16.7%, average deposits and repos $12.6B, and management reiterated cautious optimism for 2026 while maintaining conservative credit standards.

Consistent Profitability and Dividends

Net earnings of $55.0M ($0.40/share) in Q4 2025, marking 195 consecutive quarters of profitability (>48 years). Declared $0.20/share dividend for Q4 2025, marking 145 consecutive quarters of cash dividends.

Quarter-over-Quarter and Year-over-Year Earnings Growth

Net earnings increased from $52.6M in Q3 2025 to $55.0M in Q4 2025 (≈+4.6% QoQ) and from $50.9M in Q4 2024 to $55.0M (≈+8.1% YoY). Pretax income grew $5.4M QoQ and $6.3M YoY.

Strong Net Interest Income Performance

Net interest income (NII) of $122.7M in Q4 2025, up $7.0M (≈+6%) QoQ and $12.2M (≈+11%) YoY. Earning asset yield increased 11 bps to 4.43% and loan yield rose to 5.47% (from 5.25% prior quarter).

Loan Growth and Originations

Total loans of $8.7B at 12/31/2025, up $228M (2.7%) QoQ and $163M (2%) YoY. Loan originations were ~70% higher in 2025 vs 2024; Q4 production ~15% higher than Q3 2025. Loan pipelines reported as strong entering 2026.

Asset Quality Improvements

Total nonperforming/delinquent loans decreased (a $20M NPL was paid off in Q4, generating principal plus $3.2M interest). Classified loans fell to $52.7M (0.6% of total loans) from $78.2M in Q3 2025 and $89.5M in Q4 2024. Net recoveries of $325k in Q4.

Funding and Deposit Cost Improvements

Average total deposits and repos ~$12.6B in Q4 2025 (stable QoQ). Cost of deposits and repos declined to 86 bps in Q4 from 90 bps in Q3 2025 (and 97 bps YoY). Noninterest-bearing deposits remained a majority (58% of total deposits average in Q4).

Balance Sheet and Capital Strength

Shareholders' equity of $2.3B at 12/31/2025, up $109M YoY (including $84M OCI increase). Tangible common equity ratio 10.3%; CET1 15.9%; total risk-based capital 16.7%. Repurchased 1.96M shares in Q4 at $18.80 average (4.3M shares for full-year 2025 at $18.60 average).

Investment Portfolio Actions and OCI Improvement

AFS securities $2.68B at 12/31/2025. Sold $30M of low-yield securities (1.5% avg book yield) realizing a $2.8M loss, then purchased $239M of securities at ~4.75% yield. Unrealized AFS loss decreased by $26M QoQ; net after-tax changes in AFS and derivatives added $20M to other comprehensive income in Q4.

Efficiency/Operating Leverage (Adjusted)

Excluding acquisition expense and off-balance-sheet provision, operating expenses grew ~2.3% QoQ and 1.6% YoY, delivering positive operating leverage of ~2% QoQ and ~6% YoY. Noninterest expense (ex-acquisition) was 1.53% of average assets in Q4.

Allowance for Credit Losses Coverage

Allowance for credit losses (ACL) of $77M (0.89% of gross loans) at 12/31/2025, down slightly from $79M (0.94%) at 9/30/2025. ACL represented 133% of combined nonperforming assets and classified loans, indicating strong coverage.

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

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CVBF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 29, 2026	2026 (Q1)	0.37 / -	0.36	―	―	―
Jan 21, 2026	2025 (Q4)	0.39 / 0.40	0.36	11.11% (+0.04)
Oct 22, 2025	2025 (Q3)	0.37 / 0.38	0.37	2.70% (+0.01)
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)

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
Jan 21, 2026	$20.80	$20.73	-0.36%
Oct 22, 2025	$18.43	$18.46	+0.16%
Jul 24, 2025	$19.35	$18.87	-2.48%
Apr 23, 2025	$18.21	$18.34	+0.70%

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 (CVBF) report earnings?

Cvb Financial (CVBF) is schdueled to report earning on Apr 29, 2026, After Close (Confirmed).

What is Cvb Financial (CVBF) earnings time?

Cvb Financial (CVBF) earnings time is at Apr 29, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

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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 2026 (Q1) is 0.37.