Company: CVBF
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0000950170-25-029985
Chunk: 117

Company: CVB FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 1A
Chunk 117
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 acquisitions or restructurings; 

•actions or trades by institutional shareholders or other large shareholders; 

•our capital position; 

•fluctuations in the stock price and operating results of our competitors; 

•actions by hedge funds, short term investors, activist shareholders or shareholder representative organizations; 

•general market conditions and, in particular, developments relating to the financial services industry and interest rates; 

•proposed or adopted regulatory changes or developments; 

•unanticipated or pending investigations, proceedings or litigation that involve or affect the Company and/or the Bank; 

•fraud losses or data or privacy breaches; or 

•domestic and international economic factors, whether related or unrelated to the Company’s performance.

The market price of our common stock and the trading volume in our common stock may fluctuate and cause significant price variations to occur. The trading price of the shares of our common stock and the value of our other securities will depend on many factors, which may change from time to time, including, without limitation, our financial condition, performance, creditworthiness and prospects, future sales of our equity or equity related securities, and other factors identified above in “Cautionary Note Regarding Forward-Looking Statements”.  A significant decline in our stock price could result in substantial losses for individual shareholders and could lead to costly and disruptive securities litigation. Extensive sales by large shareholders could also exert sustained downward pressure on our stock price. 

An investment in our common stock is not an insured deposit. 

Our common stock is not a bank deposit and, therefore, is not insured against loss by the FDIC, any other deposit insurance fund or by any other public or private entity. Investment in our common stock is inherently risky for the reasons described in this “Risk Factors” section and elsewhere in this report and is subject to the same market forces that affect the price of common stock in any company. As a result, if you acquire our common stock, you could lose some or all of your investment. 

Our common stock is subordinate to our existing and future indebtedness and preferred stock. 

Shares of our common stock are equity interests and do not constitute indebtedness. As such, our common stock ranks junior to all our customer deposits and indebtedness, whether now existing or hereafter incurred, and other non-equity claims on us, with respect to assets available to satisfy claims. Additionally, holders of common stock are subject to the prior 

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liquidation rights of the holders of any outstanding debt we have now or may issue in the