CVBF
CVB Financial Corp.20.00
-0.19-0.94%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
2.76BP/E (TTM)
13.51Basic EPS (TTM)
1.48Dividend Yield
0.04%Recent Filings
8-K
10-Q
Q3 FY2025 results
CVB Financial Corp. posted solid Q3 2025 results, with net earnings of $52.6M, up 2.7% y/y and 4.0% q/q, driven by net interest income climbing to $115.6M—a 1.7% y/y gain and 3.6% q/q rise—as lower borrowing costs offset softer loan yields. Diluted EPS held steady at $0.38, aligning with 137.2M diluted shares, while the net interest margin expanded to 3.33% from 3.05% y/y, reflecting deleveraging from prior-year borrowings. Noninterest income edged up 1.3% y/y to $13.0M, boosted by a $6.0M legal settlement, though tempered by an $8.2M AFS securities loss; expenses dipped 0.4% y/y to $58.6M amid controlled staffing costs. Liquidity strengthened with cash equivalents at $783.9M and $4.98B in unused FHLB capacity, supporting $12.12B deposits (up 1.5% q/q) and steady $500M FHLB debt at 4.55%. Yet competition in California's banking market remains a persistent pressure on deposit margins.
10-Q
Q2 FY2025 results
CVB Financial Corp. posted steady Q2 2025 results, with net earnings of $50.6M edging up 1.1% y/y to $0.37 diluted EPS, while net interest income rose 0.7% y/y to $111.6M on a 26bps NIM expansion to 3.31% (derived) despite a $1.1B drop in earning assets from prior deleveraging. Noninterest income ticked up 2.2% y/y to $14.7M, buoyed by BOLI gains, yet noninterest expense climbed 1.9% y/y to $57.6M amid higher regulatory fees. Loans dipped 2.1% q/q to $8.36B, mainly from seasonal dairy declines, but noninterest-bearing deposits grew 3.0% q/q to 60.5% of total $11.98B funding; cash swelled to $739M with $500M FHLB debt steady at 4.6%. Free cash flow hit $93.5M YTD (derived). Yet competition in California's banking scene keeps pressure on margins.
8-K
Q2 2025 earnings steady
CVB Financial Corp. released its Q2 2025 financials, posting net income of $51 million and EPS of $0.36, with net interest margin steady at 3.31% amid low deposit costs of 0.87%. Deposits grew $123 million while loans dipped slightly, keeping asset quality strong at 0.17% NPAs and CET1 at 16.5%. Profitability endures. Yet, CRE exposure warrants monitoring in shifting markets.
8-K
Q2 earnings steady at $50.6M
CVB Financial Corp. posted $50.6 million in net earnings for Q2 2025, matching last year's $0.36 per share while ROAA dipped to 1.34% from 1.37% prior quarter. Net interest income edged up 1.1% to $111.6 million, fueled by a 35-basis-point cost-of-funds drop to 1.03% after shedding high-cost BTFP borrowings, yet loans shrank $5 million amid stable 3.31% NIM. Deposits climbed $123 million, bolstering liquidity. Solid capital ratios persist.
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