Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
MVB Financial Corp.'s quarterly P/E stands at 20.2x, up 180.8% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 1194.1% YoY to 7.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.48 | 20.18 | 4.75 | 37.55 | 16.04 | 7.19 | 30.25 | 15.03 | 16.40 | 9.25 | 19.47 | 8.37 | 5.93 |
| — | +180.8% | -84.3% | +149.8% | -2.2% | -22.3% | +55.4% | +79.7% | +176.6% | -16.0% | -41.2% | -75.3% | -87.4% | |
| P/S Ratio | 1.32 | 1.50 | 1.92 | 1.54 | 1.16 | 1.08 | 1.21 | 1.15 | 1.24 | 1.30 | 1.35 | 1.29 | 1.37 |
| — | +38.4% | +58.6% | +33.7% | -6.6% | -16.6% | -10.1% | -11.1% | -9.5% | -11.4% | -39.1% | -52.4% | -69.8% | |
| P/B Ratio | 1.09 | 1.01 | 0.99 | 0.98 | 0.74 | 0.89 | 0.84 | 0.82 | 1.00 | 1.02 | 1.09 | 0.99 | 0.99 |
| — | +13.3% | +18.3% | +19.3% | -26.6% | -12.0% | -23.0% | -17.4% | +1.4% | -6.4% | -25.3% | -37.3% | -51.3% | |
| P/FCF | 168.75 | — | — | 10.20 | 4.12 | — | 7.65 | 2.28 | — | 4.02 | 7.52 | 1.94 | — |
| — | — | — | +346.6% | — | — | +1.8% | +17.7% | — | -20.4% | +15.2% | -55.1% | — | |
| EV / EBITDA | 5.15 | 7.85 | 1.07 | -1.70 | 2.45 | 0.61 | -18.61 | -5.19 | -9.58 | -0.46 | -8.11 | -2.15 | -12.61 |
| — | +1194.1% | +105.8% | +67.3% | +125.6% | +231.8% | -129.4% | -141.1% | +24.0% | -104.4% | -126.0% | -110.4% | -165.4% | |
| EV / EBIT | 5.15 | 7.85 | 1.10 | -2.12 | 2.85 | 0.65 | -24.79 | -6.16 | -11.40 | -0.51 | -10.04 | -2.42 | -18.79 |
| — | +1109.1% | +104.4% | +65.7% | +125.0% | +226.1% | -146.9% | -154.3% | +39.3% | -103.9% | -118.7% | -108.9% | -173.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
MVB Financial Corp.'s operating margin was 9.7% in Q4 2025, down 45.6 pp QoQ and down 9.7 pp YoY. The trailing four-quarter average of 20.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 6.8% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.7% | 65.8% | 47.9% | 61.3% | 66.1% | 70.7% | 60.0% | 64.4% | 62.9% | 70.9% | 66.6% | 74.9% | 66.1% |
| — | -6.8% | -20.2% | -4.8% | +5.0% | -0.3% | -9.9% | -14.0% | -4.8% | -10.8% | -13.8% | -9.0% | -27.3% | |
| Operating Margin | 13.6% | 9.7% | 55.3% | 6.6% | 9.7% | 19.4% | 5.3% | 10.5% | 9.8% | 16.5% | 9.3% | 18.9% | 5.9% |
| — | -50.2% | +938.7% | -37.0% | -0.6% | +17.5% | -42.6% | -44.7% | +65.5% | -4.1% | +85.8% | +134.8% | -32.3% | |
| Net Margin | 10.0% | 7.5% | 40.5% | 4.2% | 7.3% | 15.0% | 4.0% | 7.7% | 7.6% | 14.0% | 7.0% | 15.4% | 23.1% |
| — | -49.9% | +922.0% | -46.2% | -4.5% | +7.1% | -43.8% | -49.8% | -67.2% | +4.0% | +4.7% | +92.4% | +139.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.4% | 1.3% | 5.4% | 0.7% | 1.2% | 3.1% | 0.7% | 1.4% | 1.5% | 2.8% | 1.4% | 3.0% | 4.3% |
| — | -58.8% | +684.3% | -52.9% | -24.7% | +9.9% | -51.1% | -53.3% | -63.7% | +9.8% | +30.0% | +160.2% | +301.2% | |
| ROA | 0.8% | 0.1% | 0.5% | 0.1% | 0.1% | 0.3% | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.2% | 0.3% |
| — | -55.2% | +756.1% | -46.4% | -10.9% | +23.1% | -45.6% | -49.1% | -62.0% | +11.5% | +28.4% | +133.6% | +240.6% | |
| ROIC | 7.0% | 1.0% | 4.5% | 0.6% | 0.9% | 2.4% | 0.6% | 1.1% | 1.2% | 1.9% | 1.1% | 2.1% | 0.5% |
| — | -58.3% | +705.6% | -44.1% | -19.1% | +25.4% | -47.6% | -46.5% | +117.0% | +31.4% | +159.4% | +219.0% | -2.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
MVB Financial Corp.'s Debt/EBITDA ratio is 14.2x, up from 3.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 67.5% YoY to 0.09x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.23 | 0.23 | 0.25 | 0.25 | 0.25 | 0.26 | 0.26 | 0.29 | 0.29 | 0.32 | 0.32 | 0.33 |
| — | -7.5% | -9.3% | -0.7% | -12.7% | -14.9% | -18.8% | -19.3% | -11.7% | -60.6% | -50.1% | -4.6% | +0.9% | |
| Debt / EBITDA | 2.10 | 14.19 | 3.20 | 19.49 | 13.96 | 5.85 | 21.05 | 11.58 | 12.19 | 8.14 | 13.72 | 7.76 | 20.43 |
| — | +142.8% | -84.8% | +68.3% | +14.5% | -28.2% | +53.4% | +49.1% | -40.3% | -56.6% | -69.5% | -64.1% | -17.5% | |
| Current Ratio | 0.09 | 0.09 | 0.22 | 0.28 | 0.26 | 0.27 | 0.33 | 0.28 | 0.31 | 0.26 | 0.29 | 0.29 | 0.32 |
| — | -67.5% | -31.4% | +0.1% | -17.5% | +5.8% | +12.5% | -3.2% | -1.8% | +31.7% | +50.7% | +22.6% | -4.4% | |
| Quick Ratio | 0.09 | 0.09 | 0.22 | 0.28 | 0.26 | 0.27 | 0.33 | 0.28 | 0.31 | 0.26 | 0.29 | 0.29 | 0.32 |
| — | -67.5% | -31.4% | +0.1% | -17.5% | +5.8% | +12.5% | -3.2% | -1.8% | +31.7% | +50.7% | +22.6% | -4.4% | |
| Interest Coverage | 0.54 | 0.32 | 1.33 | 0.19 | 0.29 | 0.67 | 0.14 | 0.30 | 0.29 | 0.50 | 0.28 | 0.57 | 0.24 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying MVBF stock.
MVB Financial Corp.'s current P/E is 13.5x. The average P/E over the last 4 quarters is 19.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
MVB Financial Corp.'s current operating margin is 13.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking MVB Financial Corp.'s business trajectory between earnings reports.