NASDAQ$CVBF

CVB Financial Corp · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

CVB Financial Corp. reported a decrease in net income and earnings per share for Q4 2023, impacted by an FDIC special assessment.

CVB Financial Corp. reported net income of $48.5 million for the fourth quarter of 2023, a decrease compared to both the previous quarter and the same period last year. Diluted earnings per share were $0.35, also down from prior periods. The results were negatively impacted by a $9.2 million expense accrual for the FDIC's special assessment.

  • Net earnings for Q4 2023 were $48.5 million, or $0.35 per share.
  • A $9.2 million FDIC special assessment negatively impacted EPS by $0.04.
  • Net interest margin was 3.26%, a decline of 5 basis points compared to the prior quarter.
  • Total deposits decreased by $429 million on average compared to the prior quarter.

Headline financials

Total Revenue

$139M

Previous: $150M-7.6%
EPS (adj)

$0.39

Previous: $0.47-17.0%
Return on Avg. Assets

1.2%

Previous: 1.6%-25.6%
Return on Avg. Equity

9.7%

No prior period
Return on Avg. Tang. Equity

16.2%

Previous: 23.6%-31.5%
Net Interest Margin

3.3%

Previous: 3.7%-11.7%
Efficiency Ratio

47.6%

Previous: 36.3%+31.1%
Capital Expenditures

$1.64M

Previous: $1.3M+26.0%
Net Income

$48.5M

Previous: $66.2M-26.7%
Operating Income

$74.6M

Previous: $92.9M-19.7%
Stock-Based Comp

$2.38M

Previous: $2.26M+5.3%

Revenue & EPS history

CVB Financial · Revenue · Quarterly

$139M

Q4 2023-7.6%vs Q4 2022
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Forward guidance

The press release does not contain specific forward guidance. However, it emphasizes the company's commitment to its existing strategy and expresses gratitude to customers and associates.

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 Q4 2023

Historical avgQ4 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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