---
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"
generated_at: "2026-06-20T08:35:46.545387+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CVB Financial reports record Q4 net income of $66.2M, EPS $0.47; NIM expands to 3.69%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-015615
- JSON: https://secwatch.observer/filing/0001193125-23-015615.json
- Plain text: https://secwatch.observer/filing/0001193125-23-015615.txt

## Key facts
- Earnings Releases
  CVB FINANCIAL CORP reported the year ended December 31, 2022 results: net income $235.4 million, EPS $1.67.
  - Period: the year ended December 31, 2022
  - Net income: $235.4 million
  - EPS: $1.67
  - Result: reported results
  source text: For the year ended December 31, 2022, the Company reported record net income of $235.4 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/0001193125-23-015615-index.htm
- Earnings Releases
  CVB FINANCIAL CORP reported the quarter ended December 31, 2022 results: net income $66.2 million, EPS $0.47 per share.
  - Period: the quarter ended December 31, 2022
  - Net income: $66.2 million
  - EPS: $0.47 per share
  - Result: reported results
  source text: CVB Financial Corp. reported net income of $66.2 million for the quarter ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/354647/000119312523015615/0001193125-23-015615-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.