MVB Financial Corp. (MVBF) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
5.15
↓-38% vs avg
5yr avg: 8.25
30Y Low1.0·High59.7
P/FCF
↑
168.75
↑+171% vs avg
5yr avg: 62.16
30Y Low2.6·High160.2
P/B Ratio
↓
1.09
-8% vs avg
5yr avg: 1.18
30Y Low0.8·High1.9
ROE
↓
8.4%
-11% vs avg
5yr avg: 9.5%
30Y Low2%·High17%
Debt/EBITDA
↑
2.10
↓-43% vs avg
5yr avg: 3.70
30Y Low1.1·High40.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MVBF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
MVB Financial Corp. trades at 13.5x earnings, roughly in line with its 5-year average of 13.5x, sitting at the 44th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 168.8x P/FCF, 171% above the 5-year average of 62.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $357M | $339M | $272M | $293M | $283M | $524M | $274M | $300M | $230M | $210M | $129M |
| Enterprise Value | $190M | $172M | $31M | $-19869680 | $439M | $298M | $52M | $497M | $440M | $383M | $247M |
| P/E Ratio → | 13.48 | 12.54 | 13.53 | 9.40 | 18.82 | 13.39 | 7.41 | 11.33 | 18.04 | 29.56 | 9.77 |
| P/S Ratio | 1.32 | 1.25 | 1.20 | 1.38 | 1.86 | 4.72 | 2.13 | 2.09 | 2.19 | 2.23 | 1.37 |
| P/B Ratio | 1.09 | 1.01 | 0.89 | 1.01 | 1.08 | 1.90 | 1.14 | 1.42 | 1.30 | 1.40 | 0.89 |
| P/FCF | 168.75 | 160.21 | — | 5.21 | 65.73 | 17.49 | 2.60 | — | 57.36 | 7.33 | 5.46 |
| P/OCF | 88.52 | 84.04 | — | 5.04 | 38.54 | 15.04 | 2.44 | — | 34.29 | 6.34 | 5.10 |
P/E links to full P/E history page with 30-year chart
MVBF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
MVB Financial Corp.'s enterprise value stands at 5.2x EBITDA, 38% below its 5-year average of 8.2x. The Financial Services sector median is 11.4x, placing the stock at a 55% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.64 | 0.13 | -0.09 | 2.88 | 2.68 | 0.40 | 3.45 | 4.20 | 4.07 | 2.62 |
| EV / EBITDA | 5.15 | 4.66 | 1.01 | -0.62 | 21.55 | 5.77 | 1.04 | 12.98 | 24.02 | 25.49 | 14.71 |
| EV / EBIT | 5.15 | 4.66 | 1.16 | -0.73 | 29.18 | 6.28 | 1.11 | 14.19 | 28.61 | 31.05 | 18.47 |
| EV / FCF | — | 81.29 | — | -0.35 | 101.71 | 9.95 | 0.49 | — | 109.93 | 13.37 | 10.45 |
MVBF Profitability
Margins and return-on-capital ratios measuring operating efficiency
MVB Financial Corp. earns an operating margin of 13.6%, below the Financial Services sector average of 20.3%. ROE of 8.4% is modest, trailing the sector median of 9.0%. ROIC of 7.0% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.7% | 71.7% | 64.7% | 69.7% | 81.4% | 100.0% | 78.1% | 82.8% | 80.8% | 84.6% | 84.3% |
| Operating Margin | 13.6% | 13.6% | 11.6% | 12.8% | 9.9% | 42.7% | 36.5% | 24.3% | 14.7% | 13.1% | 14.2% |
| Net Profit Margin | 10.0% | 10.0% | 8.8% | 14.7% | 9.9% | 35.2% | 29.1% | 18.8% | 11.4% | 8.1% | 13.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.4% | 8.4% | 6.8% | 11.3% | 5.6% | 15.2% | 16.6% | 13.9% | 7.3% | 5.1% | 9.9% |
| ROA | 0.8% | 0.8% | 0.6% | 1.0% | 0.5% | 1.5% | 1.8% | 1.5% | 0.7% | 0.5% | 0.9% |
| ROIC | 7.0% | 7.0% | 5.2% | 4.9% | 2.8% | 10.9% | 9.5% | 6.0% | 2.9% | 2.8% | 3.1% |
| ROCE | 8.2% | 8.2% | 6.3% | 6.5% | 3.9% | 15.1% | 10.3% | 6.8% | 4.1% | 4.1% | 4.4% |
MVBF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
MVB Financial Corp. carries a Debt/EBITDA ratio of 2.1x, which is manageable (51% below the sector average of 4.3x). The company holds a net cash position — cash of $244M exceeds total debt of $77M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.23 | 0.25 | 0.29 | 0.75 | 0.31 | 0.22 | 1.12 | 1.40 | 1.39 | 1.03 |
| Debt / EBITDA | 2.10 | 2.10 | 2.53 | 2.64 | 9.60 | 1.63 | 1.07 | 6.20 | 13.51 | 13.85 | 8.93 |
| Net Debt / Equity | — | -0.50 | -0.79 | -1.08 | 0.59 | -0.82 | -0.93 | 0.93 | 1.19 | 1.15 | 0.81 |
| Net Debt / EBITDA | -4.53 | -4.53 | -7.97 | -9.69 | 7.62 | -4.37 | -4.42 | 5.14 | 11.49 | 11.52 | 7.02 |
| Debt / FCF | — | -78.92 | — | -5.56 | 35.98 | -7.54 | -2.10 | — | 52.57 | 6.04 | 4.99 |
| Interest Coverage | 0.54 | 0.54 | 0.34 | 0.41 | 1.06 | 7.57 | 4.04 | 1.52 | 0.87 | 1.00 | 1.20 |
Net cash position: cash ($244M) exceeds total debt ($77M)
MVBF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.09x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.26x to 0.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.27 | 0.26 | 0.19 | 0.33 | 0.37 | 0.25 | 0.22 | 0.24 | 0.19 |
| Quick Ratio | 0.09 | 0.09 | 0.27 | 0.26 | 0.19 | 0.33 | 0.37 | 0.25 | 0.22 | 0.24 | 0.19 |
| Cash Ratio | 0.09 | 0.09 | 0.12 | 0.14 | 0.02 | 0.13 | 0.13 | 0.03 | 0.03 | 0.03 | 0.03 |
| Asset Turnover | — | 0.08 | 0.07 | 0.06 | 0.05 | 0.04 | 0.06 | 0.07 | 0.06 | 0.06 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MVBF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
MVB Financial Corp. returns 5.2% to shareholders annually — split between a 2.4% dividend yield and 2.8% buyback yield. The payout ratio of 32.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 32.3% | 32.3% | 43.7% | 27.7% | 55.5% | 15.4% | 11.4% | 8.5% | 10.2% | 13.6% | 5.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.4% | 8.0% | 7.4% | 10.6% | 5.3% | 7.5% | 13.5% | 8.8% | 5.5% | 3.4% | 10.2% |
| FCF Yield | 0.6% | 0.6% | — | 19.2% | 1.5% | 5.7% | 38.5% | — | 1.7% | 13.6% | 18.3% |
| Buyback Yield | 2.8% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 5.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $13M | $13M | $13M | $13M | $13M | $12M | $12M | $13M | $10M | $10M |
Peer Comparison
Compare MVBF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MVBFYou | $357M | 13.5 | 5.2 | 168.8 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 FFIN | $5B | 18.7 | 11.5 | 15.5 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 UVSP | $1B | 13.3 | 8.3 | 12.4 | 61.0% | 21.9% | 9.9% | 6.5% | 2.9 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 CHMG | $344M | 22.8 | 14.4 | 7.8 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 SBCF | $3B | 19.7 | 22.5 | 17.0 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 NFBK | $601M | 726.3 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 CTBI | $1B | 12.7 | 12.0 | 12.8 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 FFBC | $3B | 12.0 | 12.7 | 10.5 | 68.4% | 25.5% | 9.8% | 6.4% | 3.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 23 years · Updated daily
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MVBF — Frequently Asked Questions
Quick answers to the most common questions about buying MVBF stock.
What is MVB Financial Corp.'s P/E ratio?
MVB Financial Corp.'s current P/E ratio is 13.5x. The historical average is 19.1x. This places it at the 44th percentile of its historical range.
What is MVB Financial Corp.'s EV/EBITDA?
MVB Financial Corp.'s current EV/EBITDA is 5.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.9x.
What is MVB Financial Corp.'s ROE?
MVB Financial Corp.'s return on equity (ROE) is 8.4%. The historical average is 7.9%.
Is MVBF stock overvalued?
Based on historical data, MVB Financial Corp. is trading at a P/E of 13.5x. This is at the 44th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is MVB Financial Corp.'s dividend yield?
MVB Financial Corp.'s current dividend yield is 2.39% with a payout ratio of 32.3%.
What are MVB Financial Corp.'s profit margins?
MVB Financial Corp. has 71.7% gross margin and 13.6% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does MVB Financial Corp. have?
MVB Financial Corp.'s Debt/EBITDA ratio is 2.1x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.