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MVB Financial Corp. MVBF R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.mvbbanking.com
Company Profile ↓
$31.23
+36.73% 1Y
Mkt Cap$404.98M
P/E10.55
P/B1.13
Div. Yield2.23%
52W High$31.23
52W Low$22.33
Book Value$26.61
EPS (TTM)$2.96

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 19.4% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 79.7% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 10.6, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 22.3%.

Dividend Income

Offers a dividend yield of 2.23%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $124.67M (-17.3% YoY); net profit $26.94M.
  • Trailing 12 Months Year-on-year growth — revenue +46.2%, earnings +520.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 79.7%, profit CAGR 19.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:79.65%
1 Year:46.20%

Compounded Profit Growth

5 Years:19.45%
1 Year:520.00%

Stock Price Performance

1 Year:+36.73%
6 Months:+24.73%
3 Months:+12.73%
1 Month:+3.24%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$22.33 $31.23
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)65.10 · Neutral
Price Performance
1M+3.24%
3M+12.73%
6M+24.73%
1Y+36.73%
Valuation vs Sector

P/E of 10.55 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 22.3%.
  • Compounding revenue at 79.7% over 5 years.
  • Profit CAGR of 19.4% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
10.55
Industry PE
14.52
Forward P/E
12.43
PEG Ratio
-
Book Value
$26.61
Price to Book
1.13
P/S
2.23
EV/EBITDA
-
Dividend Yield
2.23%

Growth (CAGR)

Revenue 5Y
79.65%
Profit 5Y
19.45%
Revenue (YoY)
46.20%
Earnings (YoY)
520.00%

Profitability & Returns

ROCE
-
ROE
12.00%
ROA
1.15%
Profit Margin
22.27%
Op Margin
34.45%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.93
EPS (TTM)
$2.96

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$54.07M
Total Assets
$3.55B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.42%
Chg in Prom Hold
-0.02%
FII / Inst Holding
59.91%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$404.98M
Total Revenue (TTM)
$174.24M
EBITDA
-
Free Cash Flow
$2.11M
Operating Cash Flow
$4.03M
Shares Outstanding
12.97M
Gross Margin
0.00%
Payout Ratio
22.97%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MVBF MVB Financial Corp. R2KR3KFINANCIAL 31.23 10.55 $404.98M 2.23% - 12.00% 79.65% 19.45%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ------381.00K610.00K617.00K-569.00K811.00K620.00K-1.82M1.59M1.79M-----------------------
Net Income 2.31M2.31M1.57M2.26M2.32M1.42M2.59M2.83M3.58M3.00M3.19M15.38M4.33M4.09M1.05M18.03M6.49M11.84M8.09M9.25M11.83M9.96M2.86M2.96M2.72M6.51M11.34M8.11M3.87M7.91M4.48M4.09M2.08M9.44M3.58M2.00M17.14M4.22M--
Diluted EPS 0.240.220.140.200.210.120.230.250.290.240.261.180.350.320.081.490.530.970.660.730.920.770.220.230.210.500.870.630.290.610.340.310.160.720.270.151.320.320.390.93

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------2.06M2.28M2.24M3.40M--138.21M146.48M150.69M124.67M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------14.15M66.53M76.64M67.92M
Pretax Income ------------15.03M27.29M26.34M36.85M
Tax Provision ------------3.29M5.07M6.10M9.93M
Net Income 2.24M2.70M4.17M4.02M2.08M6.82M12.91M7.58M12.00M26.99M37.41M-15.05M31.23M20.09M26.94M
Diluted EPS 1.381.210.900.570.220.771.310.681.002.203.06-1.172.401.532.06

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -414.27M533.48M726.77M987.06M1.11B1.38B1.42B1.53B1.75B1.94B2.33B2.79B3.07B3.31B3.13B3.31B
Total Equity 27.14M30.77M47.73M67.55M94.02M109.44M114.71M145.62M150.19M176.77M211.94M239.48M274.33M261.08M289.38M305.68M333.97M
Cash & Equivalents 2.32M3.71M10.04M25.34M39.84M30.08M29.13M17.34M20.30M22.22M---40.28M398.23M317.91M244.12M
Long Term Debt --4.12M4.12M6.62M134.81M216.72M124.44M185.69M232.41M227.01M------
Total Liabilities -383.50M485.75M659.22M893.04M1.00B1.27B1.27B1.38B1.57B1.73B2.09B2.52B2.81B3.02B2.82B2.97B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.00M-741.00K-10.64M----33.12M6.69M-8.06M112.23M34.81M7.35M58.23M-285.00K4.03M
Investing Cash Flow -62.18M-109.31M-101.62M-----136.10M-209.98M-120.06M-294.11M-571.95M-571.13M88.25M144.46M-208.60M
Financing Cash Flow 58.57M116.10M124.13M----105.94M205.20M133.90M417.77M580.68M296.62M211.47M-224.49M130.78M
Capital Expenditure -269.00K-669.00K-3.86M-6.50M-9.80M-2.15M-1.67M-4.50M-2.69M-2.04M-6.62M-4.87M-3.04M-1.92M-1.62M-1.92M
Free Cash Flow 4.74M-1.41M-14.50M----28.62M4.00M-10.10M105.62M29.95M4.31M56.32M-1.91M2.11M
Share Buybacks 484.00K78.00K------0015.75M000010.16M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
10.42%
Institutions
59.91%
Public Float
66.88%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 15.55% 1.76M $53.66M
2 Blackrock Inc. 9.17% 1.04M $31.63M
3 Dimensional Fund Advisors LP 4.70% 533.01K $16.22M
4 Vanguard Capital Management LLC 4.57% 517.57K $15.75M
5 Geode Capital Management, LLC 2.75% 311.40K $9.48M
6 Ameriprise Financial, Inc. 2.44% 276.86K $8.42M
7 Basswood Capital Management, L.L.C. 2.27% 257.73K $7.84M
8 State Street Corporation 2.15% 243.88K $7.42M
9 Endeavour Capital Advisors Inc 1.61% 182.72K $5.56M
10 Kennedy Capital Management, LLC 1.08% 122.45K $3.73M

Analyst View

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Latest News

Recent headlines for MVBF

Google News ue, 01 Sep 2026

Three MVB executives will meet investors in Chicago Sept. 8-10 - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxORVpMbTQ5aDZRSWFBc0xueWNFMjlTb3hDTW5sUVRNWk9QVzZUVUVpYkl0ZC12TV9aQlJCTlg0eFF4VGhzMjhuV2hMTnFnMmEwajktR2NqemY3ejNsb1N1dkFZWFlmZHJyejJnV2RMdmhvX19KZVdZaThESWpsc0g4ZGljM24tUi1PVVBITk…

Google News Sat, 05 Sep 2026

Empowered Funds LLC Makes New $1.18 Million Investment in Mvb Financial Corp. $MVBF - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi1wFBVV95cUxQMFJfcGQwSGozZjROS2xPWTM4c09BTVM0Z3F5bTIyWEZnN0RhTVJCNUtpVWx6MUY2ZkdTcHM5aHFFNC1NT2xycmI4dFUweDBQdHA3bG1nZzJ4R0RnTEJ6aDBoNVduSVNwZzd5dS16cWpTV0xtUElPdTZmTk9YSnIzaVBZcWVveEV3NWRxUn…

Google News Fri, 04 Sep 2026

MVB Financial Corp (NASDAQ: MVBF) Share Price, MVBF Stock News, MVBF Share Price & Updates - Kalkine

<a href="https://news.google.com/rss/articles/CBMiVkFVX3lxTE42TDFrekZaTEE4VWx6RDhMSXBvZEZjeVRZVHdxSVhEY2M2UHNrVktIcmx2dGJPZ09GbjRJa3lsM0hTUE1CdW1VZk1wcWtnSTFtaEVqNWxB?oc=5" target="_blank">MVB Financial Corp (NASDAQ: MVBF) Share Price, MVBF…

Google News ue, 01 Sep 2026

(MVBF) and the Role of Price-Sensitive Allocations - Stock Traders Daily

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Google News ue, 28 Jul 2026

MVB Financial (MVBF) Misses Q2 Earnings Estimates - Yahoo Finance

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Google News Wed, 19 Aug 2026

MVB Financial will pay shareholders 17 cents per share on Sept. 15 - Stock Titan

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MVBF — Frequently Asked Questions

What is the current share price of MVB Financial Corp. (MVBF)?

As of 2026-09-07 16:24 PDT, MVB Financial Corp. (MVBF) trades at $31.23 on NasdaqCM. Its 52-week range is $22.33 to $31.23.

What is the market capitalisation of MVBF?

MVB Financial Corp. (MVBF) has a market capitalisation of $404.98M on NasdaqCM.

What is the P/E ratio of MVBF?

MVBF trades at a trailing price-to-earnings (P/E) ratio of 10.55. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.13.

Does MVBF pay a dividend?

MVB Financial Corp. (MVBF) currently offers a dividend yield of 2.23%.

What is the return on equity (ROE) of MVBF?

MVBF has a return on equity (ROE) of 12.00%.

Is MVBF a good stock to buy?

This page provides a data-driven analysis of MVB Financial Corp. (MVBF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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