---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-010790"
form_type: "8-K"
ticker: "CVBF"
cik: "0000354647"
company_name: "CVB FINANCIAL CORP"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T16:58:05.847207+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CVB Financial Q4 net income $50.9M ($0.36 EPS); FY2024 net income $200.7M ($1.44 EPS) down 9.4% from 2023

## Summary
- Net income $50.9M for Q4 2024 ($0.36 diluted EPS); full-year net income $200.7M ($1.44 EPS) vs $221.4M ($1.59 EPS) in 2023.
- Net interest margin 3.18% in Q4 (up from 3.05% in Q3); cost of funds decreased to 1.13% from 1.47%.
- Sale-leaseback of two buildings generated $16.8M pre-tax gain, offset by $16.7M loss on $155M AFS securities sale.
- Board authorized 10M share repurchase program; no shares repurchased in Q4.
- Noninterest-bearing deposits were 59% of total deposits; total deposits + repurchase agreements grew $505M YoY.

## SEC filing metadata
- accession: 0001193125-25-010790
- form_type: 8-K
- ticker: CVBF
- cik: 0000354647
- company_name: CVB FINANCIAL CORP
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/354647/000119312525010790/0001193125-25-010790-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/354647/000119312525010790/d920483d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-010790
- JSON: https://secwatch.observer/filing/0001193125-25-010790.json
- Plain text: https://secwatch.observer/filing/0001193125-25-010790.txt

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