8-K Announcements
6Apr 29, 2026·SEC
Apr 29, 2026·SEC
Apr 8, 2026·SEC
MVB Financial Corp. (MVBF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
MVB Financial Corp. (MVBF) stock price & volume — 10-year historical chart
MVB Financial Corp. (MVBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
MVB Financial Corp. (MVBF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.39vs $0.37+5.4% | $37Mvs $38M-2.8% |
| Q1 2026 | Feb 12, 2026 | $0.32vs $0.31+3.2% | $39Mvs $35M+11.2% |
| Q4 2025 | Oct 29, 2025 | $0.24vs $0.29-182.8% | $42Mvs $35M+20.5% |
| Q3 2025 | Jul 28, 2025 | $0.15vs $0.31-51.6% | $32Mvs $35M-8.3% |
MVB Financial Corp. (MVBF) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
MVB Financial Corp. (MVBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MVB Financial Corp. (MVBF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 44.3M | 52.05M | 59.4M | 68.83M | 77.16M | 111.8M | 123.28M | 109.2M | 107.41M |
| 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 Income | 56.6M | 69.76M | 82.36M | 80.45M | 83.43M | 125.96M | 189.82M | 185.84M | 175.32M |
| Interest Expense | 12.3M | 17.71M | 22.96M | 11.63M | 6.27M | 14.15M | 66.53M | 76.64M | 67.92M |
| Loan Loss Provision | 2.17M | 2.44M | 1.79M | 16.58M | -6.28M | 14.19M | -1.92M | 3.54M | 8.74M |
| Non-Interest Income | 37.5M | 35.09M | 61.56M | 48.28M | 27.64M | 26.4M | 23.2M | 41.49M | 95.12M |
| 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 Expense | 67.29M | 69.33M | 84.16M | 53.58M | 63.6M | 108.98M | 121.11M | 120.81M | 156.94M |
| Efficiency Ratio | 71.51% | 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 Tax | 4.75M | 3.37M | 8.45M | 9.53M | 9.64M | 3.29M | 5.07M | 6.1M | 9.93M |
| 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) | 7.58M | 12M | 26.56M | 37.41M | 37.84M | 11.73M | 22.22M | 20.25M | 26.92M |
| 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) | 0.69 | 1.04 | 2.26 | 3.13 | 3.32 | 1.23 | 2.46 | 1.56 | 2.11 |
| Diluted Shares Outstanding | 10.44M | 12.72M | 12.04M | 12.09M | 12.61M | 12.87M | 13M | 13.14M | 13.11M |
MVB Financial Corp. (MVBF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 266.59M | 258.61M | 276.37M | 686.32M | 731.62M | 420.09M | 743.5M | 729.55M | 249.86M |
| Cash & Due from Banks | 35.08M | 37M | 40.55M | 275.7M | 310.16M | 40.28M | 398.23M | 317.91M | 244.13M |
| Short Term Investments | 231.51M | 221.61M | 235.82M | 410.62M | 421.47M | 379.81M | 345.27M | 411.64M | 5.74M |
| Total Investments | 1.39B | 1.6B | 1.77B | 1.91B | 2.35B | 2.87B | 2.76B | 2.62B | 2.87B |
| Investments Growth % | 7.56% | 14.78% | 10.81% | 7.91% | 22.56% | 22.41% | -3.93% | -5.18% | 9.72% |
| Long-Term Investments | 1.16B | 1.38B | 1.54B | 1.5B | 1.92B | 2.49B | 2.41B | 2.2B | 2.86B |
| Accounts Receivables | 26.38M | 33.66M | 49.67M | 69.9M | 63.23M | 89.34M | 0 | 0 | 0 |
| Goodwill & Intangibles | 19.13M | 19.03M | 23.1M | 4.75M | 6.3M | 4.47M | 3.19M | 1.39M | 0 |
| Goodwill | 18.48M | 18.48M | 19.63M | 2.35M | 3.99M | 2.84M | 2.84M | 0 | 0 |
| Intangible Assets | 646K | 550K | 3.47M | 2.4M | 2.32M | 1.63M | 352K | 1.39M | 0 |
| PP&E (Net) | 26.69M | 26.55M | 21.97M | 26.2M | 25.05M | 23.65M | 20.93M | 39.38M | 10.38M |
| Other Assets | 32.67M | 34.29M | 35.37M | 41.26M | 42.26M | 40.07M | 133.32M | 130.8M | 185.1M |
| Total Current Assets | 292.97M | 292.27M | 326.04M | 756.22M | 794.85M | 509.44M | 743.5M | 729.55M | 249.86M |
| Total Non-Current Assets | 1.24B | 1.46B | 1.62B | 1.58B | 2B | 2.56B | 2.57B | 2.4B | 3.06B |
| 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 Payable | 16.43M | 17.71M | 41.69M | 55.93M | 55.13M | 41.56M | 0 | 0 | 0 |
| Total Debt | 208.1M | 247.34M | 237.18M | 53.67M | 84.42M | 195.42M | 85.15M | 76.55M | 77.36M |
| Net Debt | 173.01M | 210.34M | 196.63M | -222.02M | -225.74M | 155.14M | -313.08M | -241.37M | -166.76M |
| Long-Term Debt | 185.69M | 232.41M | 227.01M | 43.41M | 73.03M | 185.38M | 80.33M | 73.79M | 74.03M |
| Short-Term Debt | 22.4M | 14.93M | 10.17M | 10.27M | 11.38M | 10.04M | 4.82M | 2.76M | 3.34M |
| Other Liabilities | 0 | 0 | 188.27M | 0 | 0 | 0 | 37.92M | 52.75M | 55.54M |
| Total Current Liabilities | 1.2B | 1.34B | 1.32B | 2.05B | 2.44B | 2.62B | 2.91B | 2.7B | 2.85B |
| Total Non-Current Liabilities | 185.69M | 232.41M | 415.28M | 43.41M | 73.03M | 185.38M | 118.24M | 126.54M | 129.56M |
| Total Liabilities | 1.38B | 1.57B | 1.73B | 2.09B | 2.51B | 2.79B | 3.02B | 2.82B | 2.97B |
| 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 Share | 14.39 | 13.90 | 17.60 | 19.81 | 21.90 | 20.33 | 22.26 | 23.28 | 25.48 |
| Tangible BV per Share | 12.55 | 12.40 | 15.68 | 19.42 | 21.40 | 19.99 | 22.02 | 23.17 | 25.48 |
| Common Stock | 10.5M | 11.66M | 11.99M | 12.37M | 12.94M | 13.47M | 13.61M | 13.79M | 14.04M |
| Additional Paid-in Capital | 98.7M | 116.9M | 122.52M | 129.12M | 143.52M | 157.15M | 160.49M | 164.68M | 170.38M |
| Retained Earnings | 37.24M | 48.27M | 72.5M | 105.17M | 138.22M | 144.91M | 160.86M | 172.18M | 190.41M |
| Accumulated OCI | -2.99M | -6.81M | -1.32M | 2.23M | -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 Stock | 7.83M | 7.83M | 7.33M | 7.33M | 0 | 0 | 0 | 0 | 0 |
MVB Financial Corp. (MVBF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 33.12M | 6.69M | -8.06M | 112.23M | 34.81M | 7.35M | 58.23M | -285K | 4.03M |
| Operating CF Growth % | 31.1% | -79.79% | -220.44% | 1492.15% | -68.98% | -78.88% | 691.96% | -100.49% | 1513.33% |
| Net Income | 7.58M | 12M | 26.99M | 37.41M | 38.7M | 14.39M | 31.01M | 20.25M | 26.94M |
| Depreciation & Amortization | 2.69M | 2.94M | 3.27M | 3.29M | 4.2M | 5.32M | 5M | 3.93M | 0 |
| Deferred Taxes | 1.35M | 139K | -3.95M | -3.39M | 6.13M | -3.63M | 97K | 2.2M | 0 |
| Other Non-Cash Items | 20.69M | -7.9M | -46.69M | 81.07M | -18.66M | 2.92M | 24M | -8.21M | -23.89M |
| Working Capital Changes | 0 | -1.75M | 10.56M | -8.5M | 1.25M | -14.86M | -5.27M | -21.78M | 981K |
| Cash from Investing | -136.1M | -209.98M | -120.06M | -294.11M | -571.95M | -571.13M | 88.25M | 144.46M | -208.6M |
| Purchase of Investments | -139.13M | -33.07M | -72.38M | -279.71M | -220.1M | -132.45M | -92.61M | -114.06M | 0 |
| Sale/Maturity of Investments | 72.21M | 28.49M | 70.77M | 123.14M | 195.8M | 82.96M | 131.73M | 41.84M | 0 |
| Net Investment Activity | -66.92M | -4.58M | -1.61M | -156.57M | -24.3M | -49.49M | 39.12M | -72.22M | 0 |
| Acquisitions | 0 | 0 | -2.65M | -78.7M | -96.27M | 0 | -8K | 0 | 0 |
| Other Investing | -64.69M | -202.71M | -113.75M | -52.23M | -446.52M | -518.6M | 51.05M | 218.3M | -208.6M |
| Cash from Financing | 105.94M | 205.2M | 133.9M | 417.77M | 580.68M | 296.62M | 211.57M | -224.49M | 130.78M |
| Dividends Paid | -1.53M | -1.71M | -2.77M | -4.74M | -6.07M | -8.36M | -8.64M | -8.77M | -8.71M |
| Share Repurchases | 0 | 0 | 0 | -15.75M | 0 | -670K | -846K | -443K | -10.16M |
| Stock Issued | 4.93M | 0 | 0 | 0 | 500K | 2.07M | 637K | 1.49M | 2.3M |
| Net Stock Activity | 4.93M | 0 | 0 | -15.75M | 500K | 1.4M | -209K | 1.05M | -7.86M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 580K |
| Other Financing | 49.8M | 144.19M | 141.57M | 579.25M | 564.14M | 191.49M | 325.78M | -209.92M | 146.77M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 17.34M | 20.3M | 22.22M | 28M | 263.89M | 307.44M | 40.28M | 398.23M | 317.91M |
| Cash at End | 20.3M | 22.22M | 28M | 263.89M | 307.44M | 40.28M | 398.23M | 317.91M | 244.13M |
| Interest Paid | 12.4M | 17.28M | 22.97M | 12.27M | 6.15M | 12.29M | 66.71M | 73.24M | 0 |
| Income Taxes Paid | 6.03M | 191K | 3.96M | 11.97M | 11.96M | 2.29M | 13.08M | 924K | 0 |
| 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% |
MVB Financial Corp. (MVBF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.03% | 2.89% | 2.97% | 3.06% | 2.95% | 2.77% | 3.66% | 3.72% | 3.49% | 3.25% |
| Efficiency Ratio | 70.08% | 71.51% | 66.12% | 58.48% | 41.62% | 57.26% | 71.53% | 56.85% | 53.14% | 58.03% |
| Equity / Assets | 10.26% | 9.79% | 10.1% | 10.9% | 10.27% | 9.9% | 8.56% | 8.73% | 9.77% | 10.09% |
| Book Value / Share | 14.46 | 14.39 | 13.9 | 17.6 | 19.81 | 21.9 | 20.33 | 22.26 | 23.28 | 25.48 |
| NII Growth | 23.27% | 3.04% | 17.51% | 14.11% | 15.87% | 12.11% | 44.9% | 10.27% | -11.42% | -1.64% |
| Dividend Payout | 5% | 13.64% | 10.16% | 8.48% | 11.43% | 15.43% | 55.53% | 27.66% | 43.66% | 32.32% |
MVB Financial Corp. (MVBF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 29, 2026·SEC
Apr 8, 2026·SEC
MVB Financial Corp. (MVBF) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
MVB Financial Corp. (MVBF) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates