MVB Financial Corp. MVBF R2K

Financial Services · Banks - Regional · United States

https://www.mvbbanking.com

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. The company was founded in 1999 and is based in Fairmont, West Virginia.

Market & Price

Market Cap

$343.73M

Current Price

$26.75

High / Low (52W)

$29.22 / $18.68

Beta

0.81

Valuation

Stock P/E

12.27

Industry PE

12.01

Forward P/E

10.64

PEG Ratio

Book Value

$26.07

Price to Book

1.03

P/S

2.15

EV/EBITDA

Dividend Yield

2.54%

Profitability & Returns

ROCE

ROE

8.85%

ROA

0.90%

Profit Margin

17.89%

Op Margin

22.32%

EPS (Latest Qtr)

$0.39

EPS (TTM)

$2.18

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$62.04M

Total Assets

$3.31B

Current Assets

Working Capital

Ownership

Promoter Holding

10.36%

Chg in Prom Hold

FII / Inst Holding

57.20%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$219.68M

Total Revenue (TTM)

$159.58M

EBITDA

Free Cash Flow

Operating Cash Flow

$-33.41M

Shares Outstanding

12.85M

Gross Margin

0.00%

Payout Ratio

31.19%

Growth (CAGR)

Revenue 5Y

-3.38%

Profit 5Y

21.43%

Revenue (YoY)

3.90%

Earnings (YoY)

44.40%

PROS

Profit CAGR of 21.4% over 5 years.
Attractive dividend yield of 2.54%.

CONS

Revenue declined at -3.4% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MVBF MVB Financial Corp. R2K	26.75	12.27	$343.73M	2.54%	-	8.85%	-3.38%	21.43%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	381.00K	610.00K	617.00K	-	569.00K	811.00K	620.00K	-	1.82M	1.59M	1.79M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32.43M	31.41M	24.70M	36.12M	34.70M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.55M	16.60M	17.65M	17.11M	16.32M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.81M	3.17M	23.43M	5.45M	6.70M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.25M	1.16M	6.29M	1.23M	1.51M
Net Income	6.50M	2.31M	2.31M	1.57M	2.26M	2.32M	1.42M	2.59M	2.83M	3.58M	3.00M	3.19M	15.38M	4.33M	4.09M	1.05M	18.03M	6.49M	11.84M	8.09M	9.25M	11.83M	9.96M	2.86M	2.96M	2.72M	6.51M	11.34M	8.11M	3.87M	7.91M	4.48M	4.09M	-	-	3.58M	2.00M	17.14M	4.22M	5.18M
Diluted EPS	0.63	0.24	0.22	0.14	0.20	0.21	0.12	0.23	0.25	0.29	0.24	0.26	1.18	0.35	0.32	0.08	1.49	0.53	0.97	0.66	0.73	0.92	0.77	0.22	0.23	0.21	0.50	0.87	0.63	0.29	0.61	0.34	0.31	-	-	0.27	0.15	1.32	0.32	0.39

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	2.06M	2.28M	2.24M	3.40M	-	-	138.21M	146.48M	150.69M	124.67M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	14.15M	66.53M	76.64M	67.92M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	15.03M	27.29M	26.34M	36.85M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	3.29M	5.07M	6.10M	9.93M
Net Income	2.24M	2.70M	4.17M	4.02M	2.08M	6.82M	12.91M	7.58M	12.00M	26.99M	37.41M	-	15.05M	31.23M	20.09M	26.94M
Diluted EPS	1.38	1.21	0.90	0.57	0.22	0.77	1.31	0.68	1.00	2.20	3.06	-	1.17	2.40	1.53	2.06

Compounded Sales Growth

5 Years:	-3.38%
1 Year:	3.90%

Compounded Profit Growth

5 Years:	21.43%
1 Year:	44.40%

Stock Price Performance

1 Year:	+39.46%
6 Months:	+0.46%
3 Months:	-0.93%
1 Month:	+3.64%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	414.27M	533.48M	726.77M	987.06M	1.11B	1.38B	1.42B	1.53B	1.75B	1.94B	2.33B	-	3.07B	3.31B	3.13B	3.31B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	2.32M	3.71M	10.04M	25.34M	39.84M	30.08M	29.13M	17.34M	20.30M	22.22M	-	-	-	40.28M	398.23M	317.91M	244.12M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	63.23M	89.34M	-	-	-
Total Liabilities	-	383.50M	485.75M	659.22M	893.04M	1.00B	1.27B	1.27B	1.38B	1.57B	1.73B	2.09B	-	2.81B	3.02B	2.82B	2.97B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	4.12M	4.12M	6.62M	134.81M	216.72M	124.44M	185.69M	232.41M	227.01M	-	-	185.38M	80.33M	73.79M	74.03M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	185.38M	80.33M	73.79M	74.03M
Total Equity	-	30.77M	47.73M	67.55M	94.02M	109.44M	114.71M	145.62M	150.19M	176.77M	211.94M	239.48M	-	261.08M	289.38M	305.68M	333.97M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	13.47M	13.61M	13.79M	14.04M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	5.00M	-741.00K	-10.64M	-	-	-	-	33.12M	6.69M	-8.06M	112.23M	-	7.35M	58.23M	-285.00K	4.03M
Investing Cash Flow	-62.18M	-109.31M	-101.62M	-	-	-	-	-136.10M	-209.98M	-120.06M	-294.11M	-	-571.13M	88.25M	144.46M	-208.60M
Financing Cash Flow	58.57M	116.10M	124.13M	-	-	-	-	105.94M	205.20M	133.90M	417.77M	-	296.62M	211.47M	-224.49M	130.78M
Capital Expenditure	-269.00K	-669.00K	-3.86M	-6.50M	-9.80M	-2.15M	-1.67M	-4.50M	-2.69M	-2.04M	-6.62M	-	-3.04M	-1.92M	-1.62M	-1.92M
Free Cash Flow	4.74M	-1.41M	-14.50M	-	-	-	-	28.62M	4.00M	-10.10M	105.62M	-	4.31M	56.32M	-1.91M	2.11M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-267.16M	357.95M	-80.32M	-73.79M
Share Buybacks	484.00K	78.00K	-	-	-	-	-	-	0	0	15.75M	0	0	0	0	10.16M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	625.6%	331.8%	536.3%	793.9%	-	-	10.9%	21.3%	13.3%	21.6%
ROE %	7.3%	5.7%	6.2%	4.3%	1.9%	5.9%	8.9%	5.0%	6.8%	12.7%	15.6%	-	5.8%	10.8%	6.6%	8.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

10.36%

Institutions

57.20%

Public Float

63.81%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	15.58%	1.77M	$47.25M
2	Blackrock Inc.	8.28%	939.04K	$25.12M
3	Dimensional Fund Advisors LP	4.47%	506.61K	$13.55M
4	Vanguard Capital Management LLC	4.45%	504.84K	$13.50M
5	Geode Capital Management, LLC	2.38%	269.91K	$7.22M
6	Ameriprise Financial, Inc.	2.18%	246.76K	$6.60M
7	State Street Corporation	2.14%	242.22K	$6.48M
8	Endeavour Capital Advisors Inc	1.66%	187.92K	$5.03M
9	Kennedy Capital Management, LLC	1.10%	124.36K	$3.33M
10	Basswood Capital Management, L.L.C.	1.03%	117.12K	$3.13M

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MVBF · Financial Services