{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-015615","form_type":"8-K","ticker":"CVBF","cik":"0000354647","company_name":"CVB FINANCIAL CORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.629585+00:00","generated_at":"2026-06-20T08:35:46.545387+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"CVB Financial reports record Q4 net income of $66.2M, EPS $0.47; NIM expands to 3.69%","bullets":["Full year 2022 net income $235.4M, up 11% YoY; diluted EPS $1.67 vs $1.56.","Q4 net interest margin 3.69%, up 23bps QoQ and 90bps YoY; efficiency ratio 36.31%.","Core loans grew 9% annualized in Q4, led by commercial real estate; total loans $9.08B.","Q4 provision for credit losses $2.5M; full year provision $10.6M vs recapture of $25.5M in 2021.","Nonperforming loans fell to $4.9M (0.05% of loans) from $10.1M (0.12%) at Sept 30, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-015615","json":"https://secwatch.observer/filing/0001193125-23-015615.json","markdown":"https://secwatch.observer/filing/0001193125-23-015615.md","text":"https://secwatch.observer/filing/0001193125-23-015615.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/0001193125-23-015615-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/d181107d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:35:46.545387+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"39746226ceb8aacb46a781a95aeb2a57fade2ed9","claim":"CVB FINANCIAL CORP reported the year ended December 31, 2022 results: net income $235.4 million, EPS $1.67.","evidence_excerpt":"For the year ended December 31, 2022, the Company reported record net income of $235.4 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/0001193125-23-015615-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$235.4 million"},{"label":"EPS","value":"$1.67"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"de9639b528d04ecf7b9911cb9c927f8977481410","claim":"CVB FINANCIAL CORP reported the quarter ended December 31, 2022 results: net income $66.2 million, EPS $0.47 per share.","evidence_excerpt":"CVB Financial Corp. reported net income of $66.2 million for the quarter ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/0001193125-23-015615-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$66.2 million"},{"label":"EPS","value":"$0.47 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}