{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-014581","form_type":"8-K","ticker":"CVBF","cik":"0000354647","company_name":"CVB FINANCIAL CORP","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.581583+00:00","generated_at":"2026-06-06T18:39:54.896659+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CVB Financial Q4 net income $48.5M ($0.35 EPS) down 27% YoY; FDIC special assessment $9.2M","bullets":["Q4 net earnings $48.5M, diluted EPS $0.35 vs $0.42 prior Q and $0.47 year ago; full year EPS $1.59 vs $1.67.","FDIC special assessment of $9.2M reduced Q4 EPS by $0.04; noninterest expense rose to $65.9M from $55.1M prior Q.","Net interest margin 3.26% in Q4 vs 3.31% prior Q and 3.69% year ago; cost of funds rose to 1.09% from 0.92%.","Nonperforming loans increased to $21.3M (0.24% of loans) from $10.0M (0.11%) at Sept 30, 2023.","Deposits declined $923M from prior Q to $11.71B; noninterest-bearing deposits were 63% of total."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-014581","json":"https://secwatch.observer/filing/0001193125-24-014581.json","markdown":"https://secwatch.observer/filing/0001193125-24-014581.md","text":"https://secwatch.observer/filing/0001193125-24-014581.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/354647/000119312524014581/0001193125-24-014581-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/354647/000119312524014581/d693414d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:39:54.896659+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":"2fab45655c34ae44a693cd34b3b71241a617d11c","claim":"CVB FINANCIAL CORP reported year ended December 31, 2023 results: net income $221.4 million, EPS $1.59 per share.","evidence_excerpt":"For the year ended December 31, 2023, the Company reported net income of $221.4 million, compared with $235.4 million for the year ended December 31, 2022. Diluted earnings per share were $1.59 for the year ended December 31, 2023, compared to $1.67 for the same period last year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/354647/000119312524014581/0001193125-24-014581-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"$221.4 million"},{"label":"EPS","value":"$1.59 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"72c1b63b0430eb88d60d3883acf141515cdee89e","claim":"CVB FINANCIAL CORP reported quarter ended December 31, 2023 results: net income $48.5 million, EPS $0.35 per share.","evidence_excerpt":"CVB Financial Corp. reported net income of $48.5 million for the quarter ended December 31, 2023, compared with $57.9 million for the third quarter of 2023 and $66.2 million for the fourth quarter of 2022. Diluted earnings per share were $0.35 for the fourth quarter, compared to $0.42 for the prior quarter and $0.47 for the same period last year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/354647/000119312524014581/0001193125-24-014581-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended December 31, 2023"},{"label":"Net income","value":"$48.5 million"},{"label":"EPS","value":"$0.35 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"}