CVB Financial Corp. reported fourth-quarter 2025 earnings of $0.40 per share, matching the Zacks Consensus Estimate and representing an 11.1% increase from the $0.36 per share earned in the year-ago quarter. This performance was driven by stable net interest income, which held steady following modest loan growth in California’s Central Valley and Southern California markets. Non-interest income remained relatively flat as gains on mortgage banking offset lower fee income from deposit services. Operating expenses rose just 2% year-over-year, reflecting continued investment in digital banking platforms and branch technology. Return on average assets and return on average equity both improved slightly from the prior quarter, underscoring management’s focus on efficiency and credit quality maintenance throughout the challenging rate environment.