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MVBF logoMVB Financial Corp.(MVBF)Earnings, Financials & Key Ratios

MVBF•NASDAQ•Banking & Credit
$26.00
$334M mkt cap·12.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
AboutMVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. 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 also 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 title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.Show more
  • Net Interest Income$107M-1.6%
  • Total Revenue$270M+19.0%
  • Net Income$27M+34.1%
  • Return on Equity8.42%+24.7%
  • Net Interest Margin3.25%-7.0%
  • Efficiency Ratio58.03%+9.2%
  • ROA0.84%+34.2%
  • Equity / Assets10.09%+3.3%
  • Book Value per Share25.48+9.5%
  • Tangible BV/Share25.48+10.0%
  • Debt/Equity0.23-7.5%
Technical→

MVBF Key Insights

MVB Financial Corp. (MVBF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Well capitalized: 10.1% equity/assets
  • ✓Healthy dividend yield of 2.6%
  • ✓Diversified revenue: 35.2% from non-interest income
  • ✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

MVBF Price & Volume

MVB Financial Corp. (MVBF) stock price & volume — 10-year historical chart

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MVBF Growth Metrics

MVB Financial Corp. (MVBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.55%
5 Years16.01%
3 Years21.08%
TTM-

Profit CAGR

10 Years14.73%
5 Years-6.36%
3 Years21.43%
TTM34.09%

EPS CAGR

10 Years10.34%
5 Years-7.61%
3 Years20.75%
TTM34.64%

Return on Capital

10 Years6.97%
5 Years7.99%
3 Years7%
Last Year8.23%

MVBF Recent Earnings

MVB Financial Corp. (MVBF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.39
Est $0.37
+5.4%
Revenue
$37M
Est $38M
-2.8%
Q1 2026
Feb 12, 2026
EPS
$0.32
Est $0.31
+3.2%
Revenue
$39M
Est $35M
+11.2%
Q4 2025
Oct 29, 2025
EPS
$0.24
Est $0.29
-182.8%
Revenue
$42M
Est $35M
+20.5%
Q3 2025
Jul 28, 2025
EPS
$0.15
Est $0.31
-51.6%
Revenue
$32M
Est $35M
-8.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.39vs $0.37+5.4%
$37Mvs $38M-2.8%
Q1 2026Feb 12, 2026
$0.32vs $0.31+3.2%
$39Mvs $35M+11.2%
Q4 2025Oct 29, 2025
$0.24vs $0.29-182.8%
$42Mvs $35M+20.5%
Q3 2025Jul 28, 2025
$0.15vs $0.31-51.6%
$32Mvs $35M-8.3%
Based on last 12 quarters of dataView full earnings history →

MVBF Peer Comparison

MVB Financial Corp. (MVBF) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
UVSP logoUVSPUnivest Financial CorporationDirect Competitor1.1B38.7612.273.58%9.82%0.37
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
CHMG logoCHMGChemung Financial CorporationDirect Competitor322.44M67.0521.42-6.46%6.27%0.02
FXNC logoFXNCFirst National CorporationDirect Competitor248.63M27.5014.0327.11%9.98%0.23
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.06B31.3619.857.49%5.83%0.44
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor587.44M14.0519.5113.88%5.48%1.08

Compare MVBF vs Peers

MVB Financial Corp. (MVBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for MVBF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare MVBF against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, NBTB, UVSP, CZWI

MVBF Income Statement

MVB Financial Corp. (MVBF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income44.3M52.05M59.4M68.83M77.16M111.8M123.28M109.2M107.41M
NII Growth %3.04%17.51%14.11%15.87%12.11%44.9%10.27%-11.42%-1.64%
Net Interest Margin %2.89%2.97%3.06%2.95%2.77%3.66%3.72%3.49%3.25%
Interest Income56.6M69.76M82.36M80.45M83.43M125.96M189.82M185.84M175.32M
Interest Expense12.3M17.71M22.96M11.63M6.27M14.15M66.53M76.64M67.92M
Loan Loss Provision2.17M2.44M1.79M16.58M-6.28M14.19M-1.92M3.54M8.74M
Non-Interest Income37.5M35.09M61.56M48.28M27.64M26.4M23.2M41.49M95.12M
Non-Interest Income %39.85%33.47%42.77%37.5%24.89%17.33%10.89%18.25%35.17%
Total Revenue
94.1M▲ 0%
104.85M▲ 11.4%
143.92M▲ 37.3%
128.73M▼ 10.6%
111.07M▼ 13.7%
152.36M▲ 37.2%
213.02M▲ 39.8%
227.33M▲ 6.7%
270.44M▲ 19.0%
Revenue Growth %0.13%11.43%37.27%-10.56%-13.72%37.17%39.81%6.72%18.96%
Non-Interest Expense67.29M69.33M84.16M53.58M63.6M108.98M121.11M120.81M156.94M
Efficiency Ratio71.51%66.12%58.48%41.62%57.26%71.53%56.85%53.14%58.03%
Operating Income
12.33M▲ 0%
15.38M▲ 24.7%
35.01M▲ 127.7%
46.94M▲ 34.1%
47.48M▲ 1.1%
15.03M▼ 68.3%
27.29M▲ 81.6%
26.34M▼ 3.5%
36.85M▲ 39.9%
Operating Margin %13.1%14.66%24.33%36.47%42.75%9.86%12.81%11.59%13.63%
Operating Income Growth %-7.67%24.7%127.72%34.07%1.14%-68.35%81.62%-3.48%39.88%
Pretax Income
12.33M▲ 0%
15.38M▲ 24.7%
35.01M▲ 127.7%
46.94M▲ 34.1%
47.48M▲ 1.1%
15.03M▼ 68.3%
27.29M▲ 81.6%
26.34M▼ 3.5%
36.85M▲ 39.9%
Pretax Margin %13.1%14.66%24.33%36.47%42.75%9.86%12.81%11.59%13.63%
Income Tax4.75M3.37M8.45M9.53M9.64M3.29M5.07M6.1M9.93M
Effective Tax Rate %38.56%21.94%24.13%20.31%20.31%21.92%18.58%23.15%26.94%
Net Income
7.58M▲ 0%
12M▲ 58.5%
26.99M▲ 124.9%
37.41M▲ 38.6%
39.12M▲ 4.6%
15.05M▼ 61.5%
31.23M▲ 107.6%
20.09M▼ 35.7%
26.94M▲ 34.1%
Net Margin %8.05%11.45%18.75%29.06%35.22%9.88%14.66%8.84%9.96%
Net Income Growth %-41.33%58.46%124.87%38.61%4.57%-61.54%107.56%-35.67%34.09%
Net Income (Continuing)7.58M12M26.56M37.41M37.84M11.73M22.22M20.25M26.92M
EPS (Diluted)
0.68▲ 0%
1.00▲ 47.1%
2.20▲ 120.0%
3.06▲ 39.1%
3.10▲ 1.3%
1.17▼ 62.3%
2.40▲ 105.1%
1.53▼ 36.3%
2.06▲ 34.6%
EPS Growth %-48.09%47.06%120%39.09%1.31%-62.26%105.13%-36.25%34.64%
EPS (Basic)0.691.042.263.133.321.232.461.562.11
Diluted Shares Outstanding10.44M12.72M12.04M12.09M12.61M12.87M13M13.14M13.11M

MVBF Balance Sheet

MVB Financial Corp. (MVBF) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments266.59M258.61M276.37M686.32M731.62M420.09M743.5M729.55M249.86M
Cash & Due from Banks35.08M37M40.55M275.7M310.16M40.28M398.23M317.91M244.13M
Short Term Investments231.51M221.61M235.82M410.62M421.47M379.81M345.27M411.64M5.74M
Total Investments1.39B1.6B1.77B1.91B2.35B2.87B2.76B2.62B2.87B
Investments Growth %7.56%14.78%10.81%7.91%22.56%22.41%-3.93%-5.18%9.72%
Long-Term Investments1.16B1.38B1.54B1.5B1.92B2.49B2.41B2.2B2.86B
Accounts Receivables26.38M33.66M49.67M69.9M63.23M89.34M000
Goodwill & Intangibles19.13M19.03M23.1M4.75M6.3M4.47M3.19M1.39M0
Goodwill18.48M18.48M19.63M2.35M3.99M2.84M2.84M00
Intangible Assets646K550K3.47M2.4M2.32M1.63M352K1.39M0
PP&E (Net)26.69M26.55M21.97M26.2M25.05M23.65M20.93M39.38M10.38M
Other Assets32.67M34.29M35.37M41.26M42.26M40.07M133.32M130.8M185.1M
Total Current Assets292.97M292.27M326.04M756.22M794.85M509.44M743.5M729.55M249.86M
Total Non-Current Assets1.24B1.46B1.62B1.58B2B2.56B2.57B2.4B3.06B
Total Assets
1.53B▲ 0%
1.75B▲ 14.1%
1.94B▲ 11.0%
2.33B▲ 19.9%
2.79B▲ 19.6%
3.06B▲ 9.6%
3.31B▲ 8.4%
3.13B▼ 5.6%
3.31B▲ 5.8%
Asset Growth %8.14%14.12%11.03%19.92%19.64%9.56%8.44%-5.59%5.76%
Return on Assets (ROA)0.51%0.73%1.46%1.75%1.53%0.51%0.98%0.62%0.84%
Accounts Payable16.43M17.71M41.69M55.93M55.13M41.56M000
Total Debt208.1M247.34M237.18M53.67M84.42M195.42M85.15M76.55M77.36M
Net Debt173.01M210.34M196.63M-222.02M-225.74M155.14M-313.08M-241.37M-166.76M
Long-Term Debt185.69M232.41M227.01M43.41M73.03M185.38M80.33M73.79M74.03M
Short-Term Debt22.4M14.93M10.17M10.27M11.38M10.04M4.82M2.76M3.34M
Other Liabilities00188.27M00037.92M52.75M55.54M
Total Current Liabilities1.2B1.34B1.32B2.05B2.44B2.62B2.91B2.7B2.85B
Total Non-Current Liabilities185.69M232.41M415.28M43.41M73.03M185.38M118.24M126.54M129.56M
Total Liabilities1.38B1.57B1.73B2.09B2.51B2.79B3.02B2.82B2.97B
Total Equity
150.19M▲ 0%
176.77M▲ 17.7%
211.94M▲ 19.9%
239.48M▲ 13.0%
276.28M▲ 15.4%
261.7M▼ 5.3%
289.34M▲ 10.6%
305.79M▲ 5.7%
333.97M▲ 9.2%
Equity Growth %3.14%17.7%19.89%13%15.36%-5.28%10.56%5.68%9.21%
Equity / Assets (Capital Ratio)9.79%10.1%10.9%10.27%9.9%8.56%8.73%9.77%10.09%
Return on Equity (ROE)5.12%7.34%13.89%16.57%15.17%5.59%11.34%6.75%8.42%
Book Value per Share14.3913.9017.6019.8121.9020.3322.2623.2825.48
Tangible BV per Share12.5512.4015.6819.4221.4019.9922.0223.1725.48
Common Stock10.5M11.66M11.99M12.37M12.94M13.47M13.61M13.79M14.04M
Additional Paid-in Capital98.7M116.9M122.52M129.12M143.52M157.15M160.49M164.68M170.38M
Retained Earnings37.24M48.27M72.5M105.17M138.22M144.91M160.86M172.18M190.41M
Accumulated OCI-2.99M-6.81M-1.32M2.23M-3.61M-37.7M-28.83M-28.23M-13.87M
Treasury Stock-1.08M-1.08M-1.08M-16.74M-16.74M-16.74M-16.74M-16.74M-27M
Preferred Stock7.83M7.83M7.33M7.33M00000

MVBF Cash Flow Statement

MVB Financial Corp. (MVBF) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations33.12M6.69M-8.06M112.23M34.81M7.35M58.23M-285K4.03M
Operating CF Growth %31.1%-79.79%-220.44%1492.15%-68.98%-78.88%691.96%-100.49%1513.33%
Net Income7.58M12M26.99M37.41M38.7M14.39M31.01M20.25M26.94M
Depreciation & Amortization2.69M2.94M3.27M3.29M4.2M5.32M5M3.93M0
Deferred Taxes1.35M139K-3.95M-3.39M6.13M-3.63M97K2.2M0
Other Non-Cash Items20.69M-7.9M-46.69M81.07M-18.66M2.92M24M-8.21M-23.89M
Working Capital Changes0-1.75M10.56M-8.5M1.25M-14.86M-5.27M-21.78M981K
Cash from Investing-136.1M-209.98M-120.06M-294.11M-571.95M-571.13M88.25M144.46M-208.6M
Purchase of Investments-139.13M-33.07M-72.38M-279.71M-220.1M-132.45M-92.61M-114.06M0
Sale/Maturity of Investments72.21M28.49M70.77M123.14M195.8M82.96M131.73M41.84M0
Net Investment Activity-66.92M-4.58M-1.61M-156.57M-24.3M-49.49M39.12M-72.22M0
Acquisitions00-2.65M-78.7M-96.27M0-8K00
Other Investing-64.69M-202.71M-113.75M-52.23M-446.52M-518.6M51.05M218.3M-208.6M
Cash from Financing105.94M205.2M133.9M417.77M580.68M296.62M211.57M-224.49M130.78M
Dividends Paid-1.53M-1.71M-2.77M-4.74M-6.07M-8.36M-8.64M-8.77M-8.71M
Share Repurchases000-15.75M0-670K-846K-443K-10.16M
Stock Issued4.93M000500K2.07M637K1.49M2.3M
Net Stock Activity4.93M00-15.75M500K1.4M-209K1.05M-7.86M
Debt Issuance (Net)1000K1000K-1000K-1000K1000K1000K-1000K-1000K580K
Other Financing49.8M144.19M141.57M579.25M564.14M191.49M325.78M-209.92M146.77M
Net Change in Cash
2.96M▲ 0%
1.92M▼ 35.4%
5.78M▲ 201.7%
235.89M▲ 3980.5%
43.54M▼ 81.5%
-267.16M▼ 713.5%
357.95M▲ 234.0%
-80.32M▼ 122.4%
-73.79M▲ 8.1%
Exchange Rate Effect000000000
Cash at Beginning17.34M20.3M22.22M28M263.89M307.44M40.28M398.23M317.91M
Cash at End20.3M22.22M28M263.89M307.44M40.28M398.23M317.91M244.13M
Interest Paid12.4M17.28M22.97M12.27M6.15M12.29M66.71M73.24M0
Income Taxes Paid6.03M191K3.96M11.97M11.96M2.29M13.08M924K0
Free Cash Flow
28.63M▲ 0%
4M▼ 86.0%
-10.1M▼ 352.5%
105.62M▲ 1145.3%
29.95M▼ 71.6%
4.31M▼ 85.6%
56.32M▲ 1206.1%
-1.91M▼ 103.4%
2.11M▲ 210.9%
FCF Growth %21.31%-86.02%-352.54%1145.33%-71.64%-85.6%1206.08%-103.38%210.92%

MVBF Banking Ratios

MVB Financial Corp. (MVBF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.92%5.12%7.34%13.89%16.57%15.17%5.59%11.34%6.75%8.42%
Return on Assets (ROA)0.92%0.51%0.73%1.46%1.75%1.53%0.51%0.98%0.62%0.84%
Net Interest Margin3.03%2.89%2.97%3.06%2.95%2.77%3.66%3.72%3.49%3.25%
Efficiency Ratio70.08%71.51%66.12%58.48%41.62%57.26%71.53%56.85%53.14%58.03%
Equity / Assets10.26%9.79%10.1%10.9%10.27%9.9%8.56%8.73%9.77%10.09%
Book Value / Share14.4614.3913.917.619.8121.920.3322.2623.2825.48
NII Growth23.27%3.04%17.51%14.11%15.87%12.11%44.9%10.27%-11.42%-1.64%
Dividend Payout5%13.64%10.16%8.48%11.43%15.43%55.53%27.66%43.66%32.32%

MVBF SEC Filings & Documents

MVB Financial Corp. (MVBF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 8, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 7, 2025·SEC

MVBF Frequently Asked Questions

MVB Financial Corp. (MVBF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

MVB Financial Corp. (MVBF) grew revenue by 19.0% over the past year. This is strong growth.

Yes, MVB Financial Corp. (MVBF) is profitable, generating $26.9M in net income for fiscal year 2025 (10.0% net margin).

Dividend & Returns

Yes, MVB Financial Corp. (MVBF) pays a dividend with a yield of 2.56%. This makes it attractive for income-focused investors.

MVB Financial Corp. (MVBF) has a return on equity (ROE) of 8.4%. This is below average, suggesting room for improvement.

Industry Metrics

MVB Financial Corp. (MVBF) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

MVB Financial Corp. (MVBF) has an efficiency ratio of 58.0%. This is reasonable for a bank.

Explore More MVBF

MVB Financial Corp. (MVBF) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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