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MVBFMVB Financial Corp.
$27.63$355M
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MVBF logoMVB Financial Corp.(MVBF)Earnings, Financials & Key Ratios

MVBF•NASDAQ•Banking & Credit
13.4× P/E·Price updated Jun 19, 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%

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 2.4%
  • ✓Diversified revenue: 35.2% from non-interest income
  • ✓Trading at only 1.1x 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.

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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
Metric
Actual
Est
EPS
$0.39+5.4%
$0.37
Rev
$37M-2.8%
$38M
Q1 2026
Feb 12, 2026
Metric
Actual
Est
EPS
$0.32+3.2%
$0.31
Rev
$39M+11.2%
$35M
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$0.24-182.8%
$0.29
Rev
$42M+20.5%
$35M
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$0.15-51.6%
$0.31
Rev
$32M-8.3%
$35M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
UVSP logoUVSPUnivest Financial CorporationDirect Competitor1.19B41.6413.183.58%17.51%9.82%0.37
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor205.47M21.3414.62-9.41%16.01%7.81%0.28
CHMG logoCHMGChemung Financial CorporationDirect Competitor341.44M70.9722.67-6.46%10.79%6.27%0.02
FXNC logoFXNCFirst National CorporationDirect Competitor265.44M29.3614.9827.11%15.35%9.98%0.23
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.01B30.8419.527.49%16.13%5.83%0.44
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor601.82M14.41727.78-26.69%0.3%0.11%1.44

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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
44.3M52.05M59.4M68.83M77.16M111.8M123.28M109.2M107.41M
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 Income
56.6M69.76M82.36M80.45M83.43M125.96M189.82M185.84M175.32M
Interest Expense
12.3M17.71M22.96M11.63M6.27M14.15M66.53M76.64M67.92M
Loan Loss Provision
2.17M2.44M1.79M16.58M-6.28M14.19M-1.92M3.54M8.74M
Non-Interest Income
37.5M35.09M61.56M48.28M27.64M26.4M23.2M41.49M95.12M
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 Expense
67.29M69.33M84.16M53.58M63.6M108.98M121.11M120.81M156.94M
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
4.75M3.37M8.45M9.53M9.64M3.29M5.07M6.1M9.93M
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 Outstanding
10.44M12.72M12.04M12.09M12.61M12.87M13M13.14M13.11M

MVBF Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
266.59M258.61M276.37M686.32M731.62M420.09M743.5M729.55M249.86M
Cash & Due from Banks
35.08M37M40.55M275.7M310.16M40.28M398.23M317.91M244.13M
Short Term Investments
231.51M221.61M235.82M410.62M421.47M379.81M345.27M411.64M5.74M
Total Investments
1.39B1.6B1.77B1.91B2.35B2.87B2.76B2.62B2.87B
Investments Growth %
7.56%14.78%10.81%7.91%22.56%22.41%-3.93%-5.18%9.72%
Long-Term Investments
1.16B1.38B1.54B1.5B1.92B2.49B2.41B2.2B2.86B
Accounts Receivables
26.38M33.66M49.67M69.9M63.23M89.34M000
Goodwill & Intangibles
19.13M19.03M23.1M4.75M6.3M4.47M3.19M1.39M0
Goodwill
18.48M18.48M19.63M2.35M3.99M2.84M2.84M00
Intangible Assets
646K550K3.47M2.4M2.32M1.63M352K1.39M0
PP&E (Net)
26.69M26.55M21.97M26.2M25.05M23.65M20.93M39.38M10.38M
Other Assets
32.67M34.29M35.37M41.26M42.26M40.07M133.32M130.8M185.1M
Total Current Assets
292.97M292.27M326.04M756.22M794.85M509.44M743.5M729.55M249.86M
Total Non-Current Assets
1.24B1.46B1.62B1.58B2B2.56B2.57B2.4B3.06B
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 Payable
16.43M17.71M41.69M55.93M55.13M41.56M000
Total Debt
208.1M247.34M237.18M53.67M84.42M195.42M85.15M76.55M77.36M
Net Debt
173.01M210.34M196.63M-222.02M-225.74M155.14M-313.08M-241.37M-166.76M
Long-Term Debt
185.69M232.41M227.01M43.41M73.03M185.38M80.33M73.79M74.03M
Short-Term Debt
22.4M14.93M10.17M10.27M11.38M10.04M4.82M2.76M3.34M
Other Liabilities
00188.27M00037.92M52.75M55.54M
Total Current Liabilities
1.2B1.34B1.32B2.05B2.44B2.62B2.91B2.7B2.85B
Total Non-Current Liabilities
185.69M232.41M415.28M43.41M73.03M185.38M118.24M126.54M129.56M
Total Liabilities
1.38B1.57B1.73B2.09B2.51B2.79B3.02B2.82B2.97B
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 Share
14.3913.9017.6019.8121.9020.3322.2623.2825.48
Tangible BV per Share
12.5512.4015.6819.4221.4019.9922.0223.1725.48
Common Stock
10.5M11.66M11.99M12.37M12.94M13.47M13.61M13.79M14.04M
Additional Paid-in Capital
98.7M116.9M122.52M129.12M143.52M157.15M160.49M164.68M170.38M
Retained Earnings
37.24M48.27M72.5M105.17M138.22M144.91M160.86M172.18M190.41M
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 Stock
7.83M7.83M7.33M7.33M00000

MVBF Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
33.12M6.69M-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 Income
7.58M12M26.99M37.41M38.7M14.39M31.01M20.25M26.94M
Depreciation & Amortization
2.69M2.94M3.27M3.29M4.2M5.32M5M3.93M0
Deferred Taxes
1.35M139K-3.95M-3.39M6.13M-3.63M97K2.2M0
Other Non-Cash Items
20.69M-7.9M-46.69M81.07M-18.66M2.92M24M-8.21M-23.89M
Working Capital Changes
0-1.75M10.56M-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 Investments
72.21M28.49M70.77M123.14M195.8M82.96M131.73M41.84M0
Net Investment Activity
-66.92M-4.58M-1.61M-156.57M-24.3M-49.49M39.12M-72.22M0
Acquisitions
00-2.65M-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 Financing
105.94M205.2M133.9M417.77M580.68M296.62M211.57M-224.49M130.78M
Dividends Paid
-1.53M-1.71M-2.77M-4.74M-6.07M-8.36M-8.64M-8.77M-8.71M
Share Repurchases
000-15.75M0-670K-846K-443K-10.16M
Stock Issued
4.93M000500K2.07M637K1.49M2.3M
Net Stock Activity
4.93M00-15.75M500K1.4M-209K1.05M-7.86M
Debt Issuance (Net)
1000K1000K-1000K-1000K1000K1000K-1000K-1000K580K
Other Financing
49.8M144.19M141.57M579.25M564.14M191.49M325.78M-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 Effect
000000000
Cash at Beginning
17.34M20.3M22.22M28M263.89M307.44M40.28M398.23M317.91M
Cash at End
20.3M22.22M28M263.89M307.44M40.28M398.23M317.91M244.13M
Interest Paid
12.4M17.28M22.97M12.27M6.15M12.29M66.71M73.24M0
Income Taxes Paid
6.03M191K3.96M11.97M11.96M2.29M13.08M924K0
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 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
14.4614.3913.917.619.8121.920.3322.2623.2825.48
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%
Related:MVBF Dividend History·MVBF Revenue History·MVBF Price History·MVBF P/E History·MVBF Financial Ratios·MVBF Institutional Holders

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 2.40%. 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.

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

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

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How much would $100/month in MVBF be worth today?

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