The earnings call indicates a stable performance with a strong history of profitability and dividend payments, alongside improvements in net interest margin and deposit growth. However, challenges include a decline in total loans, increased nonperforming loans, lower noninterest income, and a competitive loan pricing environment.

Company Guidance -

Q3 2025

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 for the quarter, continuing their 143-quarter streak of cash dividends. The return on average tangible common equity stood at 14.08%, while the return on average assets was 1.34%. Pretax pre-provision income reached $68.8 million, up $1.3 million from the previous quarter. Net interest income increased by $1.2 million compared to the prior quarter, with the net interest margin stable at 3.31%. Total deposits and customer repurchase agreements grew to $12.4 billion. The company experienced a decline of $5 million in total loans at quarter-end, attributed mainly to reduced line utilization in C&I and dairy and livestock credit lines. Loan originations were 58% higher than the previous quarter. The company's allowance for credit losses was $78 million, or 0.93% of gross loans. Noninterest income was $14.7 million, and noninterest expenses totaled $57 million, resulting in an improved efficiency ratio of 45.6%. Overall asset and liability management strategies continued to support CVB Financial's robust financial performance.

Consistent Profitability and Dividend Payments

193 consecutive quarters of profitability and 143 consecutive quarters of cash dividend payments, demonstrating stability and shareholder returns.

Net Interest Margin Improvement

Net interest margin increased by 26 basis points from 3.05% in Q2 2024 to 3.31% in Q2 2025 due to a deleveraging strategy.

Increase in Loan Originations

Loan originations in Q2 2025 were 58% higher than Q1 2025 and 79% higher than Q2 2024, driven by C&I and commercial real estate loans.

Strong Deposit Pipeline

Total deposits and customer repurchase agreements increased by $123 million from Q1 2025 and $330 million from Q2 2024. Noninterest-bearing deposits grew by $63 million compared to Q1 2025.

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.

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