---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-092125"
form_type: "8-K"
ticker: "CVBF"
cik: "0000354647"
company_name: "CVB FINANCIAL CORP"
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T07:27:39.410815+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CVB Financial Q1 EPS $0.36, net income $51.1M; NIM expands 13bps, loans shrink

## Summary
- Diluted EPS $0.36 (flat QoQ); net income $51.1M vs $50.9M Q4'24 and $48.6M Q1'24.
- Net interest margin 3.31% (+13bps QoQ); cost of funds fell to 1.04% from 1.13%.
- Total loans down $172.8M QoQ; dairy & livestock loans dropped $167.8M (44%).
- Nonperforming assets fell to $26.1M from $47.1M on sale of $19.3M OREO with $2.2M gain.
- Repurchased 782,063 shares for $15.3M at avg $19.55; TCE ratio 10.0%.

## SEC filing metadata
- accession: 0001193125-25-092125
- form_type: 8-K
- ticker: CVBF
- cik: 0000354647
- company_name: CVB FINANCIAL CORP
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/354647/000119312525092125/0001193125-25-092125-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/354647/000119312525092125/d892956d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-092125
- JSON: https://secwatch.observer/filing/0001193125-25-092125.json
- Plain text: https://secwatch.observer/filing/0001193125-25-092125.txt

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