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MVBFMVB Financial Corp.
$30.30$391M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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MVBF logo

MVB Financial Corp.

MVBF
NASDAQ · Regional Banks
$30.30
At close - Sep 21, 4:00 PM EDT - USD
Market Cap$389M
P/E14.7x
52W High$31.99
Volume35.35K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Persistent Margin Compression Challenges MVBF Growth Strategy

MVB Financial Corp. faces a complex outlook characterized by stagnant net interest income, which has remained range-bound between $24.9 million and $31.1 million over the last ten quarters. While the bank maintains a significant liquidity buffer, its reliance ...

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

MVBF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

-5% Peers

P/E is 5% below peer median

03

Market leadership

RS 76 · Avg

Average momentum (RS Rating: 76)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 28

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
MVBF+21.01%
S&P 500 (^GSPC)+13.22%
1-Year Return
MVBF+26.86%
S&P 500 (^GSPC)+15.99%
3-Year Return
MVBF+49.58%
S&P 500 (^GSPC)+79.82%
5-Year Return
MVBF-13.33%
S&P 500 (^GSPC)+77.97%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
14.8x
Forward P/EExpansion
13.9x
EV/EBITDA50th %ile
5.7x
FCF YieldCash Flow
0.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
14.8x
13.4x
80th· High
EV/EBITDA
5.7x
5.8x
50th· Fair
Price/FCF
185.2x
65.7x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$203M+34.4% YoY
Net income
$27M+34.1% YoY
Free cash flow
$2M+210.9% YoY
Operating margin
13.6%+2.0 pts YoY
ROIC (TTM)7%
Avg ROIC 5Y-
ROE (TTM)8.4%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate6/12 (50%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 28, 2026
$0.93+174.0%
vs $0.34
$40M+7.8%
vs $37M
Q2 2026
Apr 29, 2026
$0.39+5.4%
vs $0.37
$37M-2.8%
vs $38M
Q1 2026
Feb 12, 2026
$0.32+3.2%
vs $0.31
$39M+11.2%
vs $35M
Q4 2025
Oct 29, 2025
-$0.24-182.8%
vs $0.29
$42M+20.5%
vs $35M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·Sep 15, 2026
MVB Financial Corp. to Attend the Sidoti Small-Cap Virtual Conference

FAIRMONT, W.Va.--(BUSINESS WIRE)-- #banking--MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB” or the “Company”), the holding company for MVB Bank, Inc. (“MVB Bank”), today announced that it will participate in the Sidoti Small-Cap Virtual Conference, taking place September 23-24, 2026. Larry F. Mazza, Chief Executive Officer and President, and Michael Sumbs, Chief Financial Officer will present and participate in one-on-one investor meetings throughout the conference. The presentation will begin.

Business Wire·Sep 9, 2026
MVB Financial Corp. to Attend the Oppenheimer Fintech Leaders Conference

FAIRMONT, W.Va.--(BUSINESS WIRE)-- #banking--MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB” or the “Company”), the holding company for MVB Bank, Inc. (“MVB Bank”), today announced that it will participate in the Oppenheimer Fintech Leaders Conference, held at the Thompson Central Park Hotel in New York City on September 15, 2026. Larry F. Mazza, Chief Executive Officer and President, Michael Sumbs, Chief Financial Officer, and John Madia, Head of Specialty Lending, will be attending the confer.

Business Wire·Sep 1, 2026
MVB Financial Corp. to Attend the Raymond James U.S. Bank and Banking on Tech Conference

FAIRMONT, W.Va.--(BUSINESS WIRE)-- #banking--MVB will participate in the Raymond James U.S. Bank and Banking on Tech Conferences in Chicago, Ill., on Sept. 8-10, 2026.

Business Wire·Aug 19, 2026
MVB Financial Corp. Declares Third Quarter 2026 Dividend

FAIRMONT, W.Va.--(BUSINESS WIRE)-- #banking--MVB Financial Corp. (NASDAQ: MVBF) (“MVB” or the “Company”) today announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share, consistent with the previous quarter's dividend. The dividend is payable on September 15, 2026, for shareholders of record as of September 1, 2026. This is the third quarterly dividend for 2026. “MVB's strong second quarter results reflected continued progress and momentum across both our core banking.

Filtered for MVB Financial Corp.More Headlines
04

Compare before deciding

Benchmark MVBF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for MVB Financial Corp. (MVBF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
MVBF logoMVBFMVB Financial Corp.Current
$30.30$389.35M14.7134.4%9.96%8.42%2.19%
FFIN logoFFINFirst Financial Bankshares, Inc.
$32.74$4.69B18.5016.23%31.14%14.2%—
NBTB logoNBTBNBT Bancorp Inc.
$51.22$2.66B15.3814.54%22.65%11.26%—
UVSP logoUVSPUnivest Financial Corporation
$42.15$1.16B13.349.64%18.89%10.41%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.38$206.19M14.64-9.39%14.64%6.77%—
CHMG logoCHMGChemung Financial Corporation
$82.38$397.06M26.32-1.92%24.21%12.98%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

MVBF SEC Filings & Documents

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

8-K Announcements

6
Material company update

Aug 19, 2026·SEC

Material company update

Jul 28, 2026·SEC

Material company update

Jul 28, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

Aug 5, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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MVBF Frequently Asked Questions

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

Growth & Financials
How fast is MVB Financial Corp. growing?

MVB Financial Corp. (MVBF) grew revenue by 34.4% over the past year. This is strong growth.

Is MVBF profitable?

Yes, MVB Financial Corp. (MVBF) is profitable, generating $38.8M in net income for fiscal year 2025 (10.0% net margin).

Dividend & Returns
Does MVBF pay dividends?

Yes, MVB Financial Corp. (MVBF) pays a dividend with a yield of 2.19%. This makes it attractive for income-focused investors.

What is MVBF's return on equity?

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

Industry Metrics
What is MVB Financial Corp.'s net interest margin?

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

What is MVB Financial Corp.'s efficiency ratio?

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

What if you invested $1,000 in MVBF back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →