Q4 2025 CVB Financial Corp Earnings Call Transcript
Key Points
- CVB Financial Corp (CVBF) reported net earnings of $55 million or $0.40 per share for the fourth quarter of 2025, marking the 195th consecutive quarter of profitability.
- The company declared a $0.20 per share dividend for the fourth quarter, representing the 145th consecutive quarter of paying a cash dividend.
- Net interest income grew by $7 million or 6% over the third quarter of 2025 and by $12.2 million or 11% over the fourth quarter of 2024.
- Total loans increased by $228 million or 2.7% from the end of the third quarter of 2025, with growth in nearly all loan categories.
- The company's tangible common equity ratio was 10.3% at December 31, 2025, while the common equity tier one capital ratio was 15.9%, and the total risk-based capital ratio was 16.7%.
- Non-interest income was $11.2 million in the fourth quarter, which was $1.8 million lower than the third quarter, and $1.9 million lower than the fourth quarter of 2024.
- The company incurred a $2.8 million loss on the sale of investment securities during the fourth quarter.
- Non-interest-bearing deposits declined by approximately $440 million from the end of the third quarter to the end of the year.
- The allowance for credit losses decreased from $79 million to $77 million, reflecting a recapture of credit loss.
- Non-interest expense for the fourth quarter of 2025 was $62 million, up from $58.6 million in the third quarter of 2025, partly due to $1.6 million of one-time merger-related expenses.
Good morning ladies and gentlemen, and welcome to the fourth quarter of 2025 CVB Financial Corporation and its subsidiary Citizens Business Bank earnings conference call. My name is [Cherie], and I'm your operator for today. (Operator Instructions)
Please note this call is being recorded. I would now like to turn the presentation over to your host for today's call, E. Allen Nicholson, Executive Vice President and Chief Financial Officer. You may proceed.
Thank you, Cherie, and good morning, everyone. Thank you for joining us today to review our financial results for the fourth quarter of 2025. Joining me this morning is David Brager, President and Chief Executive Officer. Our comments today will refer to the financial information that was included in the earnings announcement released yesterday.
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