MVBF
MVB Financial Corp.
Banks - Regional
Market Cap$334M
5Y Perf.+83.1%
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Stock Comparison
MVBF vs FFIN
Revenue, margins, valuation, and 5-year total return — side by side.
FFIN
First Financial Bankshares, Inc.
Banks - Regional
Market Cap$4.64B
5Y Perf.+6.4%
MVBF vs FFIN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MVBF | FFIN |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $334M | $4.64B |
| Revenue (TTM) | $270M | $739M |
| Net Income (TTM) | $27M | $243M |
| Gross Margin | 71.7% | 70.8% |
| Operating Margin | 13.6% | 36.8% |
| Forward P/E | 15.0x | 16.0x |
| Total Debt | $77M | $197M |
| Cash & Equiv. | $244M | $763M |
MVBF vs FFIN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MVBF
FFIN
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| MVB Financial Corp. (MVBF) | 100 | 183.1 | +83.1% |
| First Financial Ban… (FFIN) | 100 | 106.4 | +6.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MVBF vs FFIN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MVBF leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. First Financial Bankshares, Inc. is the stronger pick specifically for profitability and margin quality and operational efficiency and capital deployment. As sector peers, any of these can serve as alternatives in the same allocation.
MVBF
MVB Financial Corp.
The Banking Pick
MVBF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.84, yield 2.6%
- Rev growth 19.0%, EPS growth 34.6%
- Lower volatility, beta 0.84, Low D/E 23.2%, current ratio 0.09x
Best for: income & stability and growth exposure
FFIN
First Financial Bankshares, Inc.
The Banking Pick
FFIN is the clearest fit if your priority is long-term compounding.
- 146.6% 10Y total return vs MVBF's 132.5%
- Efficiency ratio 0.3% vs MVBF's 0.6% (lower = leaner)
- Efficiency ratio 0.3% vs MVBF's 0.6%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MVBF | 19.0% NII/revenue growth vs FFIN's 18.8% |
| Value | MVBF | Lower P/E (15.0x vs 16.0x) |
| Quality / Margins | FFIN | Efficiency ratio 0.3% vs MVBF's 0.6% (lower = leaner) |
| Stability / Safety | MVBF | Beta 0.84 vs FFIN's 0.95 |
| Dividends | MVBF | 2.6% yield, vs FFIN's 2.2% |
| Momentum (1Y) | MVBF | +50.7% vs FFIN's -2.5% |
| Efficiency (ROA) | FFIN | Efficiency ratio 0.3% vs MVBF's 0.6% |
MVBF vs FFIN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2019
FY 2018
MVBF vs FFIN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMVBFLAGGINGFFIN
FFINFirst Financial Banks…
2leads
MVBFMVB Financial Corp.
3leads
6 Total Categories
CATEGORYLEADERvs FFINMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FFIN4/5
Valuation MetricsMultiples, price ratios, and targets
MVBF5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FFIN7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MVBF4/6
Risk & VolatilityBeta, volatility, and downside exposure
MVBF2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
FFIN leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FFIN is the larger business by revenue, generating $739M annually — 2.7x MVBF's $270M. FFIN is the more profitable business, keeping 30.2% of every revenue dollar as net income compared to MVBF's 10.0%.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| RevenueTrailing 12 months | $270M | $739M |
| EBITDAEarnings before interest/tax | $39M | $310M |
| Net IncomeAfter-tax profit | $27M | $243M |
| Free Cash FlowCash after capex | $2M | $290M |
| Gross MarginGross profit ÷ Revenue | +71.7% | +70.8% |
| Operating MarginEBIT ÷ Revenue | +13.6% | +36.8% |
| Net MarginNet income ÷ Revenue | +10.0% | +30.2% |
| FCF MarginFCF ÷ Revenue | +0.8% | +39.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -55.6% | -7.7% |
FFIN leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
MVBF leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 12.6x trailing earnings, MVBF trades at a 40% valuation discount to FFIN's 20.9x P/E. On an enterprise value basis, MVBF's 4.5x EV/EBITDA is more attractive than FFIN's 14.3x.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| Market CapShares × price | $334M | $4.6B |
| Enterprise ValueMkt cap + debt − cash | $167M | $4.1B |
| Trailing P/EPrice ÷ TTM EPS | 12.62x | 20.90x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.00x | 16.02x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.01x |
| EV / EBITDAEnterprise value multiple | 4.54x | 14.27x |
| Price / SalesMarket cap ÷ Revenue | 1.23x | 6.27x |
| Price / BookPrice ÷ Book value/share | 1.02x | 2.91x |
| Price / FCFMarket cap ÷ FCF | 158.05x | 15.84x |
MVBF leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
FFIN leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
FFIN delivers a 13.3% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $8 for MVBF. FFIN carries lower financial leverage with a 0.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to MVBF's 0.23x. On the Piotroski fundamental quality scale (0–9), MVBF scores 7/9 vs FFIN's 6/9, reflecting strong financial health.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| ROE (TTM)Return on equity | +8.5% | +13.3% |
| ROA (TTM)Return on assets | +0.8% | +1.6% |
| ROICReturn on invested capital | +7.0% | +11.0% |
| ROCEReturn on capital employed | +8.2% | +16.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.23x | 0.12x |
| Net DebtTotal debt minus cash | -$167M | -$566M |
| Cash & Equiv.Liquid assets | $244M | $763M |
| Total DebtShort + long-term debt | $77M | $197M |
| Interest CoverageEBIT ÷ Interest expense | 0.54x | 1.48x |
FFIN leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MVBF leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MVBF five years ago would be worth $7,379 today (with dividends reinvested), compared to $7,104 for FFIN. Over the past 12 months, MVBF leads with a +50.7% total return vs FFIN's -2.5%. The 3-year compound annual growth rate (CAGR) favors MVBF at 17.7% vs FFIN's 9.1% — a key indicator of consistent wealth creation.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| YTD ReturnYear-to-date | +2.8% | +9.2% |
| 1-Year ReturnPast 12 months | +50.7% | -2.5% |
| 3-Year ReturnCumulative with dividends | +63.0% | +29.9% |
| 5-Year ReturnCumulative with dividends | -26.2% | -29.0% |
| 10-Year ReturnCumulative with dividends | +132.5% | +146.6% |
| CAGR (3Y)Annualised 3-year return | +17.7% | +9.1% |
MVBF leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
MVBF leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MVBF is the less volatile stock with a 0.84 beta — it tends to amplify market swings less than FFIN's 0.95 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MVBF currently trades 87.9% from its 52-week high vs FFIN's 84.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.84x | 0.95x |
| 52-Week HighHighest price in past year | $29.59 | $38.74 |
| 52-Week LowLowest price in past year | $17.13 | $28.11 |
| % of 52W HighCurrent price vs 52-week peak | +87.9% | +84.2% |
| RSI (14)Momentum oscillator 0–100 | 50.8 | 55.4 |
| Avg Volume (50D)Average daily shares traded | 34K | 735K |
MVBF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MVBF and FFIN each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MVBF as "Buy" and FFIN as "Hold". Consensus price targets imply 20.4% upside for FFIN (target: $39) vs 15.4% for MVBF (target: $30). For income investors, MVBF offers the higher dividend yield at 2.56% vs FFIN's 2.20%.
| Metric | MVBFMVB Financial Cor… | FFINFirst Financial B… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $30.00 | $39.25 |
| # AnalystsCovering analysts | 7 | 15 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +2.2% |
| Dividend StreakConsecutive years of raises | 0 | 11 |
| Dividend / ShareAnnual DPS | $0.66 | $0.72 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.0% | 0.0% |
Evenly matched — MVBF and FFIN each lead in 1 of 2 comparable metrics.
Key Takeaway
MVBF leads in 3 of 6 categories (Valuation Metrics, Total Returns). FFIN leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallMVB Financial Corp. (MVBF)Leads 3 of 6 categories
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MVBF vs FFIN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MVBF or FFIN a better buy right now?
For growth investors, MVB Financial Corp.
(MVBF) is the stronger pick with 19. 0% revenue growth year-over-year, versus 18. 8% for First Financial Bankshares, Inc. (FFIN). MVB Financial Corp. (MVBF) offers the better valuation at 12. 6x trailing P/E (15. 0x forward), making it the more compelling value choice. Analysts rate MVB Financial Corp. (MVBF) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MVBF or FFIN?
On trailing P/E, MVB Financial Corp.
(MVBF) is the cheapest at 12. 6x versus First Financial Bankshares, Inc. at 20. 9x. On forward P/E, MVB Financial Corp. is actually cheaper at 15. 0x.
03Which is the better long-term investment — MVBF or FFIN?
Over the past 5 years, MVB Financial Corp.
(MVBF) delivered a total return of -26. 2%, compared to -29. 0% for First Financial Bankshares, Inc. (FFIN). Over 10 years, the gap is even starker: FFIN returned +146. 6% versus MVBF's +132. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MVBF or FFIN?
By beta (market sensitivity over 5 years), MVB Financial Corp.
(MVBF) is the lower-risk stock at 0. 84β versus First Financial Bankshares, Inc. 's 0. 95β — meaning FFIN is approximately 14% more volatile than MVBF relative to the S&P 500. On balance sheet safety, First Financial Bankshares, Inc. (FFIN) carries a lower debt/equity ratio of 12% versus 23% for MVB Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — MVBF or FFIN?
By revenue growth (latest reported year), MVB Financial Corp.
(MVBF) is pulling ahead at 19. 0% versus 18. 8% for First Financial Bankshares, Inc. (FFIN). On earnings-per-share growth, the picture is similar: MVB Financial Corp. grew EPS 34. 6% year-over-year, compared to 12. 2% for First Financial Bankshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MVBF or FFIN?
First Financial Bankshares, Inc.
(FFIN) is the more profitable company, earning 30. 2% net margin versus 10. 0% for MVB Financial Corp. — meaning it keeps 30. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FFIN leads at 36. 8% versus 13. 6% for MVBF. At the gross margin level — before operating expenses — MVBF leads at 71. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MVBF or FFIN more undervalued right now?
On forward earnings alone, MVB Financial Corp.
(MVBF) trades at 15. 0x forward P/E versus 16. 0x for First Financial Bankshares, Inc. — 1. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FFIN: 20. 4% to $39. 25.
08Which pays a better dividend — MVBF or FFIN?
All stocks in this comparison pay dividends.
MVB Financial Corp. (MVBF) offers the highest yield at 2. 6%, versus 2. 2% for First Financial Bankshares, Inc. (FFIN).
09Is MVBF or FFIN better for a retirement portfolio?
For long-horizon retirement investors, MVB Financial Corp.
(MVBF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 84), 2. 6% yield, +132. 5% 10Y return). Both have compounded well over 10 years (MVBF: +132. 5%, FFIN: +146. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MVBF and FFIN?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(MVBF: 19.0% · FFIN: 18.8%)Net Margin>
%
(MVBF: 10.0% · FFIN: 30.2%)P/E Ratio<
x
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