• CVB Financial Corp. has reported its fourth-quarter and full-year 2025 results, with net interest income rising to US$122.66 million for the quarter and US$460.29 million for the year, alongside net income of US$55.04 million and US$209.3 million, respectively, compared with the prior year.
• The company also completed a share repurchase program announced in November 2024, buying back 4,321,777 shares for US$80.4 million, which can influence earnings per share and capital allocation perceptions among investors.
• We will now look at how CVB Financial’s earnings growth and completed share repurchase program shape its investment narrative for investors.

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What Is CVB Financial's Investment Narrative?

To own CVB Financial, you really need to be comfortable backing a steady, income-focused regional bank that combines modest earnings growth with disciplined capital returns. The latest results reinforce that story rather than rewrite it: net interest income and earnings ticked higher in 2025, and the completion of the US$80.4 million buyback, retiring just over 3% of shares, gives earnings per share a small lift and signals management’s confidence in the franchise. In the short term, key catalysts still center on how effectively CVB converts that improving net interest income into sustainable profitability while maintaining its long-running US$0.20 quarterly dividend. The main risk is that the bank is already priced around a sector-average multiple, so any stumble in earnings, credit quality or growth versus expectations could quickly change sentiment.

However, one risk around earnings expectations and valuation is easy to overlook but worth understanding. CVB Financial's shares have been on the rise but are still potentially undervalued by 31%. Find out what it's worth.

Exploring Other Perspectives

Three Simply Wall St Community fair values for CVB Financial stretch from about US$15 to almost US$29.94, underscoring how differently private investors see the upside. Set that against the recent earnings progress and completed buyback, and you can start weighing how much of the current profitability story you think is already reflected in the share price.

Explore 3 other fair value estimates on CVB Financial - why the stock might be worth as much as 44% more than the current price!

Build Your Own CVB Financial Narrative

Disagree with this assessment? Create your own narrative in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your CVB Financial research is our analysis highlighting 4 key rewards that could impact your investment decision.
• Our free CVB Financial research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate CVB Financial's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.