NASDAQ$CVBF

CVB Financial Corp · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Net income of $59.3 million was reported, with diluted earnings per share of $0.42

CVB Financial Corp. reported a net income of $59.3 million for Q1 2023, with diluted earnings per share at $0.42. The company's return on average tangible common equity was 20.59%, and return on average assets was 1.47%.

  • Net Earnings of $59.3 million, or $0.42 per share
  • Return on Average Tangible Common Equity of 20.59%
  • Return on Average Assets of 1.47%
  • Noninterest-bearing deposits 63.92% of total deposits

Headline financials

Total Revenue

$139M

Previous: $124M+11.9%
EPS (adj)

$0.42

Previous: $0.31+35.5%
Return on Avg. Assets

1.5%

Previous: 1.1%+38.7%
Return on Avg. Tang. Equity

20.6%

Previous: 13.1%+57.4%
Net Interest Margin

3.5%

Previous: 2.9%+19.0%
Efficiency Ratio

39.5%

Previous: 46.9%-15.8%
Tier 1 Leverage Ratio

9.7%

No prior period
CET1 Capital Ratio

13.8%

No prior period
Tier 1 Risk-Based Capital

13.8%

No prior period
Total Risk-Based Capital

14.6%

No prior period
Tangible Common Equity Ratio

7.8%

No prior period
Capital Expenditures

-$343K

Previous: -$1.12M+69.4%
Free Cash Flow

$58.9M

Previous: $44.4M+32.6%
Net Income

$59.3M

Previous: $45.6M+30.1%
Operating Income

$120M

Previous: $102M+17.4%
Gross Profit

$137M

Previous: $122M+13.0%
Cash & Equivalents

$228M

Previous: $1.65B-86.2%
Total Assets

$16.3B

Previous: $17.5B-7.2%
Stock-Based Comp

$2.28M

Previous: $1.6M+43.2%

Revenue & EPS history

CVB Financial · Revenue · Quarterly

$139M

Q1 2023+11.9%vs Q1 2022
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

The first quarter of 2023 included $1.5 million in provision for credit losses, projected loss rates continue to be impacted by a deteriorating economic forecast that assumes a modest recession starting in late 2023 and modest GDP growth through 2024, as well as lower commercial real estate values and an increase in the rate of unemployment.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

+0.0%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+2.2%

Avg return

30 days after

42%

28 / 66 earnings

Positive

+9.1%

Q2 2023

Best reaction

-4.8%

Q3 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.8%-2.8%+0.9%
Q4 2025-0.2%-5.8%-1.5%
Q3 2025+0.2%+2.8%+4.6%
Q2 2025-1.6%-1.9%+2.2%
Q1 2025-0.5%+0.9%-3.6%
Q4 2024-0.1%+1.2%-4.2%
Q3 2024+3.3%+3.2%+25.6%
Q2 2024-0.6%-4.1%-8.5%
Q1 2024-3.5%-3.7%-4.7%
Q4 2023-4.4%-4.8%-9.1%
Q3 2023+6.6%+3.1%+18.4%
Q2 2023+9.1%+14.2%+5.1%
Q1 2023+2.5%-0.1%-13.5%
Q4 2022-1.7%-1.7%+0.1%
Q3 2022-0.6%-3.6%+0.4%
Q2 2022+4.7%+4.8%+10.4%
Q1 2022+2.5%+1.9%+1.4%
Q4 2021-1.9%-3.0%+4.1%
Q3 2021+0.2%-0.1%+3.9%
Q2 2021-0.7%+0.2%+5.2%
Q1 2021+0.6%+3.2%+7.8%
Q4 2020-3.9%-4.9%+3.0%
Q3 2020+2.9%+2.6%+11.7%
Q2 2020+2.5%-1.6%-1.4%
Q1 2020-1.3%+5.6%-6.7%
Q4 2019+1.6%-1.6%-0.9%
Q3 2019-4.7%-1.2%-1.2%
Q2 2019+4.4%+6.2%-1.7%
Q1 2019+0.7%+1.4%-1.7%
Q4 2018-0.9%+0.7%+3.6%
Q3 2018+1.6%+4.6%+9.4%
Q2 2018+2.5%+6.3%+10.1%
Q1 2018-0.8%+1.1%+3.6%
Q4 2017-3.6%-3.4%-4.7%
Q3 2017+3.6%+2.7%-1.0%
Q2 2017-0.4%-1.1%-6.9%
Q1 2017+2.7%-0.8%-4.4%
Q4 2016+1.6%+2.9%+6.6%
Q3 2016-0.5%-0.8%+24.5%
Q2 2016-3.7%-3.8%+0.9%
Q1 2016-1.3%
Q4 2015-1.7%
Q3 2015+0.4%
Q2 2015-0.8%
Q1 2015+0.9%
Q4 2014+3.6%
Q3 2014-0.8%
Q2 2014+1.5%
Q1 2014-2.6%
Q4 2013-3.7%
Q3 2013+1.0%
Q2 2013+6.5%
Q1 2013-1.9%
Q4 2010-0.8%
Q4 2011-0.8%
Q4 2012+0.9%
Q3 2012+1.1%
Q2 2012-1.3%
Q1 2012+0.5%
Q4 2009-0.2%
Q3 2010-4.8%
Q3 2011-4.8%
Q2 2011-3.2%
Q1 2010-0.9%
Q2 2010-0.9%
Q1 2011-0.9%

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