Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.57 | 220.15 | 7.80 | 15.92 | 20.18 | 4.75 | 37.55 | 16.04 | 7.19 | 30.25 | 15.03 | 16.40 | 9.25 | 19.47 | 8.37 | 5.93 | 11.01 | 33.13 | 33.82 | 47.16 | 13.48 |
| — | +4538.5% | -79.2% | -0.8% | +180.8% | -84.3% | +149.8% | -2.2% | -22.3% | +55.4% | +79.7% | +176.6% | -16.0% | -41.2% | -75.3% | -87.4% | -18.3% | +184.7% | +131.5% | +268.3% | +130.6% | |
| P/S Ratio | 1.99 | 2.39 | 1.87 | 2.23 | 2.15 | 3.30 | 2.35 | 1.74 | 1.52 | 1.96 | 1.78 | 1.87 | 1.93 | 2.03 | 1.94 | 1.82 | 1.72 | 2.46 | 2.83 | 4.76 | 4.05 |
| — | -27.7% | -20.4% | +28.3% | +41.5% | +68.2% | +32.5% | -6.8% | -21.3% | -3.6% | -8.4% | +2.9% | +12.1% | -17.4% | -31.5% | -61.8% | -57.4% | -52.2% | -40.7% | +7.7% | +19.8% | |
| P/B Ratio | 1.02 | 1.17 | 1.11 | 0.98 | 1.01 | 0.99 | 0.98 | 0.74 | 0.89 | 0.84 | 0.82 | 1.00 | 1.02 | 1.09 | 0.99 | 0.99 | 1.08 | 1.46 | 1.58 | 2.03 | 1.95 |
| — | +17.7% | +13.5% | +32.8% | +13.3% | +18.3% | +19.3% | -26.6% | -12.0% | -23.0% | -17.4% | +1.4% | -6.4% | -25.3% | -37.3% | -51.3% | -44.2% | -29.0% | -26.6% | +15.9% | +69.1% | |
| P/FCF | — | — | 19.70 | — | — | — | 10.20 | 4.12 | — | 7.65 | 2.28 | — | 4.02 | 7.52 | 1.94 | — | 5.05 | 6.53 | 4.32 | — | 6.18 |
| — | — | +93.2% | — | — | — | +346.6% | — | — | +1.8% | +17.7% | — | -20.4% | +15.2% | -55.1% | — | -18.3% | -72.1% | — | — | +66.2% | |
| EV / EBITDA | 5.37 | 90.04 | 1.84 | 13.23 | 7.26 | 1.07 | -1.70 | 2.45 | 0.61 | -18.61 | -5.19 | -9.58 | -0.46 | -8.11 | -2.15 | -12.61 | 10.54 | 31.22 | 20.71 | 19.29 | 5.50 |
| — | +8304.7% | +208.7% | +439.5% | +1096.8% | +105.8% | +67.3% | +125.6% | +231.8% | -129.4% | -141.1% | +24.0% | -104.4% | -126.0% | -110.4% | -165.4% | +91.6% | +734.6% | +295.3% | +293.6% | +546.9% | |
| EV / EBIT | 4.51 | 90.04 | 2.00 | 14.06 | 7.85 | 1.10 | -2.12 | 2.85 | 0.65 | -24.79 | -6.16 | -11.40 | -0.51 | -10.04 | -2.42 | -18.79 | 13.17 | 53.83 | 27.19 | 25.63 | 6.15 |
| — | +8095.5% | +194.4% | +393.9% | +1109.1% | +104.4% | +65.7% | +125.0% | +226.1% | -146.9% | -154.3% | +39.3% | -103.9% | -118.7% | -108.9% | -173.3% | +114.2% | +1267.0% | +374.5% | +376.3% | +505.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.7% | 75.4% | 90.8% | 94.9% | 94.5% | 82.1% | 93.7% | 99.5% | 99.3% | 97.0% | 99.3% | 94.9% | 105.5% | 100.4% | 112.1% | 87.6% | 93.5% | 85.9% | 85.6% | 95.5% | 117.3% |
| — | -8.1% | -3.0% | -4.5% | -4.8% | -15.4% | -5.6% | +4.8% | -5.9% | -3.4% | -11.4% | +8.3% | +12.9% | +16.9% | +30.9% | -8.2% | -20.3% | -12.9% | -18.8% | -2.0% | +18.5% | |
| Operating Margin | 18.2% | 1.6% | 31.3% | 18.3% | 13.9% | 94.8% | 10.1% | 14.7% | 27.3% | 8.6% | 16.1% | 14.8% | 24.6% | 14.0% | 28.3% | 7.8% | 20.3% | 5.6% | 8.4% | 9.2% | 38.2% |
| — | -98.3% | +210.5% | +24.5% | -49.1% | +1001.4% | -37.6% | -0.8% | +10.8% | -38.4% | -43.0% | +88.3% | +21.5% | +151.9% | +237.9% | -14.6% | -47.0% | -90.0% | -78.2% | -78.9% | -40.9% | |
| Net Margin | 13.3% | 1.1% | 24.0% | 14.1% | 10.8% | 69.4% | 6.4% | 10.9% | 21.0% | 6.4% | 11.9% | 11.4% | 20.8% | 10.6% | 23.1% | 30.7% | 15.8% | 7.5% | 8.3% | 10.2% | 30.0% |
| — | -98.4% | +276.4% | +29.6% | -48.8% | +983.7% | -46.6% | -4.7% | +1.0% | -39.7% | -48.3% | -62.7% | +31.7% | +42.0% | +176.8% | +201.8% | -47.3% | -83.1% | -74.6% | -70.3% | -48.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.4% | 0.1% | 3.6% | 1.6% | 1.3% | 5.4% | 0.7% | 1.2% | 3.1% | 0.7% | 1.4% | 1.5% | 2.8% | 1.4% | 3.0% | 4.3% | 2.6% | 1.1% | 1.1% | 1.1% | 3.7% |
| — | -97.6% | +451.5% | +33.4% | -58.8% | +684.3% | -52.9% | -24.7% | +9.9% | -51.1% | -53.3% | -63.7% | +9.8% | +30.0% | +160.2% | +301.2% | -29.9% | -76.2% | -70.0% | -68.6% | -26.6% | |
| ROA | 0.8% | 0.0% | 0.4% | 0.2% | 0.1% | 0.5% | 0.1% | 0.1% | 0.3% | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.2% | 0.3% | 0.2% | 0.1% | 0.1% | 0.1% | 0.4% |
| — | -97.7% | +456.5% | +34.4% | -55.2% | +756.1% | -46.4% | -10.9% | +23.1% | -45.6% | -49.1% | -62.0% | +11.5% | +28.4% | +133.6% | +240.6% | -41.2% | -79.3% | -70.7% | -68.8% | -31.4% | |
| ROIC | 7.0% | 0.1% | 3.0% | 1.2% | 1.0% | 4.5% | 0.6% | 0.9% | 2.4% | 0.6% | 1.1% | 1.2% | 1.9% | 1.1% | 2.1% | 0.5% | 1.5% | 0.4% | 0.6% | 0.5% | 2.7% |
| — | -97.3% | +386.7% | +33.3% | -58.3% | +705.6% | -44.1% | -19.1% | +25.4% | -47.6% | -46.5% | +117.0% | +31.4% | +159.4% | +219.0% | -2.6% | -45.5% | -87.9% | -72.2% | -75.5% | -23.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.16 | 0.17 | 0.17 | 0.23 | 0.23 | 0.25 | 0.25 | 0.25 | 0.26 | 0.26 | 0.29 | 0.29 | 0.32 | 0.32 | 0.33 | 0.75 | 0.64 | 0.33 | 0.32 | 0.31 |
| — | -30.1% | -34.1% | -30.5% | -7.5% | -9.3% | -0.7% | -12.7% | -14.9% | -18.8% | -19.3% | -11.7% | -60.6% | -50.1% | -4.6% | +0.9% | +144.4% | +102.7% | +51.0% | -51.1% | +36.3% | |
| Debt / EBITDA | 1.96 | 84.66 | 3.34 | 8.22 | 13.13 | 3.20 | 19.49 | 13.96 | 5.85 | 21.05 | 11.58 | 12.19 | 8.14 | 13.72 | 7.76 | 20.43 | 18.76 | 44.99 | 21.61 | 24.76 | 5.96 |
| — | +2543.1% | -82.9% | -41.1% | +124.5% | -84.8% | +68.3% | +14.5% | -28.2% | +53.4% | +49.1% | -40.3% | -56.6% | -69.5% | -64.1% | -17.5% | +214.9% | +735.5% | +366.2% | +78.0% | +74.3% | |
| Current Ratio | 0.09 | — | 84.28 | 5.97 | 0.09 | 0.22 | 0.28 | 0.26 | 0.27 | 0.33 | 0.28 | 0.31 | 0.26 | 0.29 | 0.29 | 0.32 | 0.19 | 0.19 | 0.24 | 0.33 | 0.33 |
| — | — | +29627.7% | +2202.8% | -67.5% | -31.4% | +0.1% | -17.5% | +5.8% | +12.5% | -3.2% | -1.8% | +31.7% | +50.7% | +22.6% | -4.4% | -40.3% | -48.0% | -37.5% | -9.6% | -11.9% | |
| Quick Ratio | 0.09 | — | 84.28 | 5.97 | 0.09 | 0.22 | 0.28 | 0.26 | 0.27 | 0.33 | 0.28 | 0.31 | 0.26 | 0.29 | 0.29 | 0.32 | 0.19 | 0.19 | 0.24 | 0.33 | 0.33 |
| — | — | +29627.7% | +2202.8% | -67.5% | -31.4% | +0.1% | -17.5% | +5.8% | +12.5% | -3.2% | -1.8% | +31.7% | +50.7% | +22.6% | -4.4% | -40.3% | -48.0% | -37.5% | -9.6% | -11.9% | |
| Interest Coverage | 0.54 | 0.04 | 0.98 | 0.41 | 0.32 | 1.33 | 0.19 | 0.29 | 0.67 | 0.14 | 0.30 | 0.29 | 0.50 | 0.28 | 0.57 | 0.24 | 1.15 | 0.50 | 2.08 | 1.83 | 8.20 |
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Includes 30+ ratios · 48 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 15.6x. The average P/E over the last 4 quarters is 66.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
MVB Financial Corp.'s current operating margin is 18.2%. 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.