MVB Financial Corp. (MVBF) quarterly income statement — complete revenue, gross profit & net income history
MVB Financial Corp. (MVBF) annual income statement — 23-year revenue, gross profit & net income history
| Metric | 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 |
|---|
| Net Interest Income | 32.6M | 32.27M | 28.45M | 28.38M | 26.57M | 25.78M | 26.68M | 24.9M | 26.59M | 27.57M | 30.14M | 31.11M | 29.86M | 29.58M | 32.73M | 33.45M | 29.85M | 26.66M | 21.85M | 21.5M |
| NII Growth % | 22.67% | 25.19% | 6.66% | 13.95% | -0.05% | -6.49% | -11.49% | -19.94% | -10.98% | -6.8% | -7.91% | -7% | 0.06% | 10.96% | 49.8% | 55.55% | 56.29% | 39.91% | 24.81% | 18.23% |
| Net Interest Margin % | 0.93% | 0.91% | 0.86% | 0.86% | 0.82% | 0.8% | 0.88% | 0.8% | 0.78% | 0.84% | 0.85% | 0.94% | 0.87% | 0.88% | 0.92% | 1.09% | 0.95% | 0.89% | 0.76% | 0.77% |
| Interest Income | 49.15M | 48.58M | 44.77M | 45.49M | 44.22M | 42.38M | 43.23M | 43.06M | 46.63M | 46.13M | 50.03M | 49.7M | 48.33M | 47.03M | 44.76M | 40.7M | 33.9M | 28.09M | 23.26M | 23.05M |
| Interest Expense | 16.55M | 16.31M | 16.32M | 17.11M | 17.65M | 16.6M | 16.55M | 18.15M | 20.04M | 18.56M | 19.89M | 18.59M | 18.46M | 17.45M | 12.03M | 7.25M | 4.06M | 1.43M | 1.41M | 1.55M |
| Loan Loss Provision | 9.95M | 4.68M | 1.85M | 2.14M | 4.43M | 1.99M | 177K | 331K | 959K | 254K | 2M | -2.1M | -159K | -4.24M | 4.58M | 2.69M | 5.12M | 5.1M | 1.28M | -5.73M |
| Non-Interest Income | 7.84M | 18.8M | 8.21M | 10.86M | -1.87M | 5.63M | 6.1M | 19.96M | 5.91M | 6.67M | 9.01M | 6.87M | 6.54M | 5.53M | 4.26M | 7.7M | 6.49M | 8.76M | 6.34M | 11.69M |
| Non-Interest Income % | 19.38% | 36.8% | 22.39% | 27.68% | -7.57% | 17.92% | 18.6% | 44.49% | 18.19% | 19.48% | 23.02% | 18.08% | 17.97% | 15.75% | 11.52% | 18.72% | 17.86% | 24.74% | 22.49% | 35.21% |
| Total Net Revenue | 40.43M | 51.07M | 36.66M | 39.24M | 24.7M | 31.41M | 32.77M | 44.87M | 32.5M | 34.24M | 39.15M | 37.97M | 36.41M | 35.11M | 36.99M | 41.15M | 36.33M | 35.42M | 28.19M | 33.19M |
| Revenue Growth % | 63.67% | 62.59% | 11.86% | -12.54% | -23.98% | -8.27% | -16.29% | 18.15% | -10.74% | -2.49% | 5.84% | -7.72% | 0.2% | -0.88% | 31.23% | 24% | 36.13% | 25.75% | 19.98% | 62.92% |
| Non-Interest Expense | 29.85M | 30.41M | 28.11M | 31.65M | -3.15M | 26.25M | 27.79M | 32.3M | 28.74M | 28.46M | 31.37M | 30.73M | 31.48M | 29.39M | 29.51M | 30.12M | 29.2M | 27.35M | 24.32M | 26.24M |
| Efficiency Ratio | 73.82% | 59.55% | 76.68% | 80.65% | -12.75% | 83.58% | 84.8% | 72% | 88.44% | 83.11% | 80.14% | 80.92% | 86.46% | 83.71% | 79.78% | 73.19% | 80.36% | 77.21% | 86.27% | 79.08% |
| Operating Income | 639K | 15.98M | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M | 12.23M | 2.8M | 5.53M | 5.79M | 9.35M | 5.09M | 9.95M | 2.9M | 8.34M | 2.02M | 2.97M | 2.59M | 12.68M |
| Operating Margin % | 1.58% | 31.3% | 18.26% | 13.89% | 94.83% | 10.08% | 14.66% | 27.27% | 8.61% | 16.14% | 14.78% | 24.61% | 13.98% | 28.35% | 7.85% | 20.26% | 5.55% | 8.39% | 9.19% | 38.2% |
| Operating Income Growth % | -97.27% | 404.83% | 39.3% | -55.44% | 737.28% | -42.73% | -16.92% | 30.88% | -45.03% | -44.46% | 99.28% | 12.11% | 152.35% | 234.93% | 12.08% | -34.24% | -86.41% | -72.57% | -74.67% | -3.68% |
| Pretax Income | 639K | 15.98M | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M | 12.23M | 2.8M | 5.53M | 5.79M | 9.35M | 5.09M | 9.95M | 2.9M | 8.34M | 2.02M | 2.97M | 2.59M | 12.68M |
| Pretax Margin % | 1.58% | 31.3% | 18.26% | 13.89% | 94.83% | 10.08% | 14.66% | 27.27% | 8.61% | 16.14% | 14.78% | 24.61% | 13.98% | 28.35% | 7.85% | 20.26% | 5.55% | 8.39% | 9.19% | 38.2% |
| Income Tax | 201K | 3.73M | 1.51M | 1.23M | 6.29M | 1.16M | 1.25M | 2.79M | 642K | 1.38M | 1.28M | 1.43M | 1.22M | 1.96M | 465K | 1.97M | 184K | 699K | 680K | 2.88M |
| Effective Tax Rate % | 31.46% | 23.35% | 22.57% | 22.49% | 26.85% | 36.77% | 25.95% | 22.85% | 22.94% | 24.95% | 22.18% | 15.31% | 23.93% | 19.65% | 16.02% | 23.59% | 9.12% | 23.52% | 26.25% | 22.69% |
| Net Income | 438K | 12.25M | 5.18M | 4.22M | 17.14M | 2M | 3.58M | 9.44M | 2.08M | 4.09M | 4.48M | 7.91M | 3.87M | 8.11M | 11.34M | 6.51M | 2.72M | 2.96M | 2.86M | 9.96M |
| Net Margin % | 1.08% | 23.99% | 14.14% | 10.77% | 69.37% | 6.37% | 10.91% | 21.04% | 6.4% | 11.94% | 11.45% | 20.83% | 10.62% | 23.1% | 30.66% | 15.82% | 7.48% | 8.34% | 10.16% | 30.01% |
| Net Income Growth % | -97.44% | 511.94% | 44.93% | -55.24% | 723.85% | -51.04% | -20.19% | 19.33% | -46.21% | -49.59% | -60.48% | 21.54% | 42.27% | 174.42% | 296.02% | -34.66% | -77.02% | -68.03% | -64.42% | -15.86% |
| Net Income (Continuing) | 438K | 12.25M | 5.18M | 4.22M | 17.14M | 2M | 3.56M | 9.44M | 2.16M | 4.15M | 4.5M | 7.92M | 3.87M | 8M | 2.44M | 6.37M | 1.83M | 2.27M | 1.91M | 9.8M |
| EPS (Diluted) | 0.03 | 0.93 | 0.39 | 0.32 | 1.32 | 0.15 | 0.27 | 0.72 | 0.16 | 0.31 | 0.34 | 0.61 | 0.29 | 0.63 | 0.87 | 0.50 | 0.21 | 0.23 | 0.22 | 0.77 |
| EPS Growth % | -97.5% | 520% | 44.44% | -55.56% | 725% | -51.61% | -20.59% | 18.03% | -44.83% | -50.79% | -60.92% | 22% | 38.1% | 173.91% | 295.45% | -35.06% | -77.17% | -68.49% | -66.67% | -20.62% |
| EPS (Basic) | 0.03 | 0.95 | 0.41 | 0.33 | 1.36 | 0.16 | 0.28 | 0.73 | 0.16 | 0.32 | 0.35 | 0.62 | 0.30 | 0.64 | 0.90 | 0.52 | 0.22 | 0.24 | 0.24 | 0.83 |
| Diluted Shares Outstanding | 13.28M | 13.19M | 13.19M | 13.08M | 13.01M | 13.12M | 13.18M | 13.2M | 13.17M | 13.05M | 13.12M | 13.02M | 13.12M | 12.92M | 13.02M | 12.89M | 12.85M | 12.9M | 12.93M | 12.94M |