NASDAQ$CVBF

CVB Financial Corp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

CVB Financial Corp. reported consistent financial performance in a challenging operating environment, marked by sustained profitability and cash dividend payments.

CVB Financial Corp. reported net income of $48.6 million for the quarter ended March 31, 2024, with diluted earnings per share of $0.35. The company's performance reflects consistent profitability and dividend payments, despite a challenging operating environment.

  • Net earnings were $48.6 million, or $0.35 per share.
  • Return on average assets was 1.21%.
  • Return on average tangible common equity was 15.13%.
  • Net interest margin was 3.10%.

Headline financials

Total Revenue

$127M

Previous: $139M-8.9%
EPS

$0.35

Previous: $0.42-16.7%
Capital Expenditures

-$166K

Previous: -$343K+51.6%
Free Cash Flow

$48.4M

Previous: $58.9M-17.8%
Net Income

$48.6M

Previous: $59.3M-18.0%
Operating Income

$94.3M

Previous: $120M-21.2%
Gross Profit

$127M

Previous: $137M-7.9%
Cash & Equivalents

$950M

Previous: $228M+317.3%
Total Assets

$16.5B

Previous: $16.3B+1.2%
Stock-Based Comp

$2.39M

Previous: $2.28M+4.5%

Revenue & EPS history

CVB Financial · Revenue · Quarterly

$127M

Q1 2024-8.9%vs Q1 2023
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

This document contains forward-looking statements that involve risks and uncertainties, and actual results could differ materially from those projected. The company does not undertake any obligation to update any forward looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements, except as required by law.

Tailwinds

  • Plans
  • Strategies
  • Goals
  • Statements about the Company’s outlook regarding revenue and asset growth
  • Financial performance and profitability

Headwinds

  • Strength of the United States economy in general and the strength of the local economies in which we conduct business
  • Effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System
  • Inflation/deflation, interest rate, market and monetary fluctuations
  • Effect of acquisitions we have made or may make, including, without limitation, the failure to obtain the necessary regulatory approvals, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions, and/or the failure to effectively integrate an acquisition target and key personnel into our operations
  • Timely development of competitive products and services and the acceptance of these products and services by new and existing customers

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 2024

Historical avgQ1 2024

+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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