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Home CompaniesMVB Financial Corp

MVB Financial Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
25.91 USD 0.34 ( 1.33%)
Last update at 2026-11-06T21:00:00Z
VOLUME
73968
Market Cap
409.38M
P/E
10.61

Momentum Score

…

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. 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 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 fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. The company was founded in 1999 and is based in Fairmont, West Virginia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
25.48
Low
26.05
High
52 Week Price Range
23.57
Low
31.86
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

MVB Financial Corp is a regional bank holding company providing commercial and consumer banking, mortgage and wealth-management services in Mid-Atlantic and Appalachian markets. Long-term growth may be supported by loan portfolio and mortgage production expansion plus fee-income diversification, and investors may find it attractive for its local commercial lending franchise and deposit base.
Investors should monitor credit concentration in commercial real estate and small-business lending, sensitivity to interest-rate cycles and regional economic weakness that could pressure earnings and asset quality.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
25.57
Dividend Yield
2.17%
Revenue TTM
174.24M
Revenue Per Share
13.69
Gross Profit TTM
174.24M
Debt / Equity
0.23
ROE
12.00%
Net Debt
-166.76M
ROCE
7.95%
Diluted EPS TTM
2.98

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 36.85M 26.34M 27.29M 18.52M 48.58M
Minority interest 0.02M -0.15M 0.37M 0.66M 0.42M
Net income 26.94M 20.09M 31.23M 15.05M 39.12M
Selling general administrative 70.98M 72.12M 67.81M 72.16M 60.21M
Selling and marketing expenses - - 79.45M - 0.53M
Gross profit 193.79M 147.15M 148.40M 150.10M 139.75M
Reconciled depreciation 2.60M 3.93M 5.97M 5.32M 4.29M
Ebit 36.85M 26.34M 27.29M 28.01M 49.00M
Ebitda 39.45M 30.27M 32.30M 33.33M 53.30M
Depreciation and amortization 2.60M 3.93M 5.00M 5.32M 4.29M
Operating income 36.85M 26.34M 27.29M 28.01M 49.00M
Other operating expenses 233.59M 200.99M 185.72M -122.09M -90.75M
Interest expense 67.92M 76.64M 66.53M 14.15M 6.27M
Tax provision 9.93M 6.10M 6.20M 4.13M 9.88M
Interest income 175.32M 185.84M 180.82M 125.96M 83.43M
Net interest income 107.41M 109.20M 125.62M 111.80M 77.16M
Income tax expense 9.93M 6.10M 5.07M 4.13M 9.88M
Total revenue 270.44M 227.33M 213.02M 150.10M 139.75M
Total operating expenses 156.94M 120.81M 121.11M -122.09M -90.75M
Cost of revenue 76.65M 80.19M 64.61M - -
Total other income expense net - 6.10M -14.83M -9.49M -0.42M
Net income from continuing ops 26.92M 20.25M 22.68M 14.39M 38.70M
Net income applicable to common shares - - - 15.05M 39.09M
Preferred stock and other adjustments - - - - 0.04M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3308.92M 3128.70M 3326.15M 3055.93M 2789.32M
Intangible assets - 1.39M 1.77M 1.63M 2.32M
Other current assets - - 414.32M 197.94M 1573.81M
Total liab 2974.95M 2822.91M 3036.81M 2794.23M 2513.04M
Total stockholder equity 333.97M 305.68M 289.38M 261.39M 275.30M
Other current liab 2842.05M 2693.61M 2164.12M -41.56M -55.13M
Common stock 14.04M 13.79M 13.61M 13.47M 12.94M
Capital stock 14.04M 13.79M 13.61M 13.47M 12.94M
Retained earnings 190.41M 172.18M 160.86M 144.91M 138.22M
Other liab - - - 23.99M 62.41M
Good will - - 2.84M 3.99M 3.99M
Other assets 322.57M 616.25M - 2100.29M 1511.56M
Cash 244.12M 317.91M 398.23M 40.28M 310.16M
Total current liabilities 2845.39M 2696.37M 2170.74M 41.56M 55.13M
Net debt -166.76M -241.37M -299.05M 145.10M -237.13M
Short term debt 3.34M 2.76M 6.61M - 51.15M
Short long term debt total 77.36M 76.55M 99.18M 185.38M 73.03M
Other stockholder equity 143.38M 147.94M 143.75M 140.72M 127.75M
Property plant equipment - - - 37.55M 25.05M
Total current assets 249.86M 729.55M 414.32M 509.44M 794.85M
Long term investments 547.98M 532.48M 462.12M 418.56M 453.87M
Net tangible assets - - - 257.10M 271.31M
Short term investments 5.74M 411.64M 345.27M 379.81M 421.47M
Net receivables 2321.34M 2080.47M 2295.47M 89.34M 63.23M
Long term debt 74.03M 73.79M 80.33M 185.38M 73.03M
Inventory - - -1897.24M 1.19M -63.23M
Accounts payable - - - 41.56M 55.13M
Noncontrolling interest in consolidated entity - - - 0.31M 0.97M
Accumulated other comprehensive income -13.87M -28.23M -28.83M -37.70M -3.61M
Common stock total equity - - - 13.47M 12.94M
Retained earnings total equity - - - 144.91M 138.22M
Treasury stock - - - -16.74M -16.74M
Non currrent assets other 185.10M 130.80M 2385.11M -446.20M -482.91M
Non current assets total 3059.06M 2399.15M 2911.83M 446.20M 482.91M
Long term debt total - - - 83.05M 73.03M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 6.30M 144.46M 143.60M -623.32M -485.52M
Change to liabilities - - - -12.43M 0.00M
Total cashflows from investing activities -208.60M 144.46M 88.25M -628.95M -571.95M
Net borrowings 0.00M -6.84M -105.36M 8.53M 0.57M
Total cash from financing activities 130.78M -224.49M 211.57M 296.62M 580.68M
Change to operating activities - - - -14.86M 1.15M
Net income 26.94M 20.25M 31.01M 14.39M 38.70M
Change in cash -73.79M -80.32M 357.95M -267.16M 43.54M
Begin period cash flow 317.91M 398.23M 40.28M 307.44M 263.89M
End period cash flow 244.12M 317.91M 398.23M 40.28M 307.44M
Total cash from operating activities 4.03M -0.28M 58.23M 65.18M 34.81M
Issuance of capital stock - - 0.00M 0.00M 0.50M
Depreciation 0.20M 3.93M 5.00M 5.32M 4.29M
Other cashflows from investing activities -199.94M 218.30M 51.05M -2.60M -81.57M
Dividends paid 8.71M 8.77M 8.64M -8.36M -6.07M
Sale purchase of stock -10.16M -0.44M -0.85M 2.03M -7.33M
Other cashflows from financing activities 146.77M -209.92M 325.78M 295.64M 1187.73M
Change to netincome - - - 59.33M -10.52M
Capital expenditures 1.91M 1.62M 1.92M 3.04M 4.87M
Cash flows other operating - - - -1.44M 2.44M
Cash and cash equivalents changes - - - -267.16M 43.54M
Change in working capital 0.98M -21.78M -5.27M -14.86M 1.15M
Stock based compensation 3.80M 3.33M 3.39M 3.22M 3.21M
Other non cash items -27.50M -8.21M 24.00M 60.75M -18.66M
Free cash flow 2.11M -1.91M 56.32M 62.14M 29.95M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
MVBF
MVB Financial Corp		 0.34
1.33%		 25.91 10.61 13.23 2.35 1.18 3.19
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

MVB Financial Corp

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. 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 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 fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. The company was founded in 1999 and is based in Fairmont, West Virginia.

301 Virginia Avenue, Fairmont, WV, United States, 26554

304 363 4800

https://www.mvbbanking.com

403

Name Title Year Born
Mr. Larry F. Mazza CPA CEO & Non-Independent Director 1961
Mr. Donald T. Robinson CFO, Pres & Treasurer 1975
Mr. John C. Marion Exec. VP & COO 1968
Mr. Craig Bradley Greathouse Exec. VP & Chief Admin. Officer 1972
Mr. John T. Schirripa Chief Commercial Officer 1962
Patrick Runge Sr. VP & CTO NA
Ms. Lisa J. McCormick Corp. Sec./ Investor Relations NA
Ms. Angela Lucas CCE Chief Risk Officer NA
Ms. Amy Baker VP of Corp. Communications & Marketing NA
Mr. David A. Jones Sr. VP & Chief Risk Officer 1963

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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