---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-242217"
form_type: "8-K"
ticker: "CVBF"
cik: "0000354647"
company_name: "CVB FINANCIAL CORP"
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:43:06.339212+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CVB Financial Q3 net income $51.2M ($0.37 EPS), down 11.5% YoY; NIM unchanged at 3.05%

## Summary
- Net income $51.2M ($0.37 diluted EPS) vs $57.9M ($0.42) in Q3 2023; up 2.4% from Q2 2024.
- Net interest margin unchanged at 3.05% QoQ; cost of funds rose 9bps to 1.47%.
- Loans declined $109M (1.3%) QoQ; deposits and customer repos increased $408M.
- Sold $312M AFS securities for $11.6M pre-tax loss; sale-leaseback generated $9.1M gain.
- Repaid $1.3B Bank Term Funding Program borrowings; TCE ratio 9.7%, CET1 >15%.

## SEC filing metadata
- accession: 0001193125-24-242217
- form_type: 8-K
- ticker: CVBF
- cik: 0000354647
- company_name: CVB FINANCIAL CORP
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/354647/000119312524242217/0001193125-24-242217-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/354647/000119312524242217/d841873d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-242217
- JSON: https://secwatch.observer/filing/0001193125-24-242217.json
- Plain text: https://secwatch.observer/filing/0001193125-24-242217.txt

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