Symbols / MVBF Stock $26.00 +0.08% MVB Financial Corp.

Financial Services • Banks - Regional • United States • NCM
MVBF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Larry F. Mazza CPA
Exch · Country NCM · United States
Market Cap 333.97M
Enterprise Value 188.09M
Income 26.94M
Sales 158.28M
FCF (ttm) —
Book/sh 26.26
Cash/sh 19.62
Employees 403
Insider 10d —
IPO Aug 03, 2012
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 33.01%
P/E 12.62
Forward P/E 9.65
PEG —
P/S 2.11
P/B 0.99
P/C —
EV/EBITDA —
EV/Sales 1.19
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.06
EPS next Y 2.69
EPS Growth -53.80%
Revenue Growth -20.90%
EPS Gr Q/Q -55.20%
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-02-12
ROA 0.84%
ROE 8.42%
ROIC —
Gross Margin 0.00%
Oper. Margin 15.11%
Profit Margin 17.02%
Shs Outstand 12.84M
Shs Float 11.59M
Insider Own 10.15%
Instit Own 55.66%
Short Float 2.46%
Short Ratio 6.78
Short Interest 241.09K
52W High 29.59
vs 52W High -12.13%
52W Low 16.39
vs 52W Low 58.59%
Beta 0.89
Impl. Vol. —
Rel Volume 0.73
Avg Volume 39.22K
Volume 28.76K
Target (mean) $31.67
Tgt Median $30.00
Tgt Low $30.00
Tgt High $35.00
# Analysts 3
Recom Buy
Prev Close $25.98
Price $26.00
Change 0.08%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$31.67
Mean price target
2. Current target
$26.00
Latest analyst target
3. DCF / Fair value
$30.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$26.00
Low
$30.00
High
$35.00
Mean
$31.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-11-10 main Keefe, Bruyette & Woods Outperform → Outperform $30
2025-09-25 init TD Cowen — → Buy $35
2025-08-04 main Keefe, Bruyette & Woods Outperform → Outperform $25
2025-07-14 up Hovde Group Market Perform → Outperform $28
2025-07-08 reit Raymond James Outperform → Outperform $25
2025-04-02 main Raymond James Outperform → Outperform $20
2025-03-03 main Keefe, Bruyette & Woods Outperform → Outperform $25
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $26
2024-07-31 main JP Morgan Overweight → Overweight $29
2024-05-01 main JP Morgan Overweight → Overweight $25
2024-04-04 main JP Morgan Overweight → Overweight $28
2024-03-01 main Keefe, Bruyette & Woods Outperform → Outperform $25
2024-02-20 main JP Morgan Overweight → Overweight $30
2023-07-31 main Raymond James Outperform → Outperform $30
2023-05-16 main Keefe, Bruyette & Woods Outperform → Outperform $25
2023-05-03 main Raymond James — → Outperform $19
2023-04-06 main Raymond James — → Outperform $25
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $30
2023-02-27 init JP Morgan — → Overweight $35
2022-07-07 main Raymond James — → Strong Buy $55
News
RSS: Latest MVBF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-01-29 MAZZA LARRY F Chief Executive Officer — 100,000 $12.50 $1,250,000
2026-01-02 RODRIGUEZ JOSEPH RYAN Officer — 5,112 — —
2025-12-30 NELSON KELLY R Director — 3,000 $12.50 $45,000
2025-12-12 EBERT JOHN W Director — 1,000 $12.50 $12,500
2025-12-05 CORDELLA RICK JAMES JR Director — 500 $27.70 $13,850
2025-11-03 SUMBS MICHAEL ROBERT Chief Financial Officer — 2,000 $26.00 $52,000
2025-10-01 NELSON KELLY R Director — 390 — —
2025-10-01 SPIELMAN CHERYL Director — 390 — —
2025-10-01 OWEN JAN LYNN Director — 390 — —
2025-05-30 BECKER WILLIAM MARSTON Director — 4,143 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
124.67
-17.27%
150.69
+2.87%
146.48
+5.99%
138.21
Operating Revenue
124.67
-17.27%
150.69
+2.87%
146.48
+5.99%
138.21
Selling General And Administration
74.62
+3.46%
72.12
+6.37%
67.81
+4.10%
65.14
Selling And Marketing Expense
—
—
—
—
General And Administrative Expense
74.62
+3.46%
72.12
+6.37%
67.81
+4.10%
65.14
Salaries And Wages
70.98
+4.46%
67.95
+7.23%
63.37
+1.34%
62.53
Other Gand A
—
—
—
12.20
Reconciled Depreciation
2.60
-33.88%
3.93
-21.43%
5.00
-5.99%
5.32
Total Unusual Items
34.45
+194.37%
11.70
+1286.92%
-0.99
-119.81%
4.98
Total Unusual Items Excluding Goodwill
34.45
+194.37%
11.70
+1286.92%
-0.99
-119.81%
4.98
Special Income Charges
34.85
0.00
+100.00%
-0.99
0.00
Restructuring And Mergern Acquisition
-34.85
0.00
-100.00%
0.99
0.00
Net Income
26.94
+34.09%
20.09
-35.67%
31.23
+107.56%
15.05
Pretax Income
—
—
—
15.03
Net Interest Income
107.41
-1.64%
109.20
-11.42%
123.28
+10.27%
111.80
Interest Expense
67.92
-11.39%
76.64
+15.19%
66.53
+370.08%
14.15
Interest Income
175.32
-5.66%
185.84
-2.09%
189.82
+50.70%
125.96
Gain On Sale Of Security
-4.13
-305.79%
2.00
+186.50%
-2.32
-144.26%
-0.95
Gain On Sale Of Business
—
0.00
+100.00%
-0.99
0.00
Tax Provision
9.93
+62.78%
6.10
+20.30%
5.07
+53.92%
3.29
Tax Rate For Calcs
0.00
+15.95%
0.00
+10.48%
0.00
-4.55%
0.00
Tax Effect Of Unusual Items
9.27
+241.32%
2.72
+1411.26%
-0.21
-118.91%
1.10
Net Income Including Noncontrolling Interests
26.92
+32.98%
20.25
-34.71%
31.01
+115.51%
14.39
Net Income From Continuing Operation Net Minority Interest
26.94
+34.09%
20.09
-10.51%
22.45
+81.14%
12.39
Net Income From Continuing And Discontinued Operation
26.94
+34.09%
20.09
-35.67%
31.23
+107.56%
15.05
Net Income Continuous Operations
26.92
+32.98%
20.25
-8.90%
22.22
+89.40%
11.73
Net Income Discontinuous Operations
0.00
0.00
-100.00%
8.78
+231.02%
2.65
Minority Interests
0.02
+111.69%
-0.15
-168.14%
0.23
-65.76%
0.66
Normalized Income
1.76
-84.18%
11.10
-52.20%
23.23
+172.92%
8.51
Net Income Common Stockholders
26.94
+34.09%
20.09
-35.67%
31.23
+107.56%
15.05
Diluted EPS
—
1.53
-36.25%
2.40
+105.13%
1.17
Basic EPS
—
1.56
-36.59%
2.46
+100.00%
1.23
Basic Average Shares
—
12.89
+1.54%
12.69
+5.28%
12.06
Diluted Average Shares
—
13.14
+1.07%
13.00
+0.40%
12.94
Diluted NI Availto Com Stockholders
26.94
+34.09%
20.09
-35.67%
31.23
+107.56%
15.05
Depreciation Amortization Depletion Income Statement
3.27
-28.57%
4.58
-17.58%
5.56
+1.13%
5.50
Depreciation And Amortization In Income Statement
3.27
-28.57%
4.58
-17.58%
5.56
+1.13%
5.50
Depreciation Income Statement
3.27
-28.57%
4.58
-17.58%
5.56
+1.13%
5.50
Insurance And Claims
3.64
-12.71%
4.17
-6.02%
4.44
+70.29%
2.60
Occupancy And Equipment
5.10
+31.16%
3.89
+5.03%
3.70
-8.64%
4.05
Other Non Interest Expense
23.98
+18.20%
20.29
-8.68%
22.21
+12.20%
19.80
Preferred Stock Dividends
—
—
—
—
Professional Expense And Contract Services Expense
15.12
-29.19%
21.35
+16.38%
18.34
+17.13%
15.66
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,308.92
+5.76%
3,128.70
-5.59%
3,313.88
+7.98%
3,068.85
Cash And Cash Equivalents
244.12
-23.21%
317.91
-20.17%
398.23
+888.65%
40.28
Cash Financial
10.57
+34.18%
7.88
+19.99%
6.56
+24.08%
5.29
Other Short Term Investments
5.74
-98.60%
410.96
+19.02%
345.27
-9.09%
379.81
Receivables
—
—
—
89.34
Accounts Receivable
—
—
—
89.34
Net PPE
10.38
-16.80%
12.47
-40.39%
20.93
-11.43%
23.63
Gross PPE
25.10
-25.46%
33.67
-25.46%
45.18
+3.22%
43.77
Accumulated Depreciation
-14.72
+30.55%
-21.20
+12.58%
-24.25
-20.41%
-20.14
Land And Improvements
1.03
-3.92%
1.07
-69.06%
3.46
+0.00%
3.46
Buildings And Improvements
7.78
+0.00%
7.78
-41.92%
13.39
+0.00%
13.39
Machinery Furniture Equipment
12.85
-40.85%
21.72
-14.63%
25.44
+7.94%
23.57
Construction In Progress
0.64
+135.56%
0.27
+500.00%
0.04
-91.14%
0.51
Leases
2.81
-0.88%
2.84
+0.00%
2.84
+0.00%
2.84
Goodwill And Other Intangible Assets
—
—
2.84
+0.00%
2.84
Goodwill
—
—
2.84
+0.00%
2.84
Other Intangible Assets
—
—
—
1.63
Investments And Advances
547.98
+3.04%
531.80
+15.08%
462.12
-6.60%
494.78
Long Term Equity Investment
86.82
+10.95%
78.25
+3.30%
75.75
-0.62%
76.22
Total Liabilities Net Minority Interest
2,974.95
+5.39%
2,822.91
-6.67%
3,024.54
+7.73%
2,807.46
Payables And Accrued Expenses
—
—
—
41.56
Payables
—
—
—
41.56
Accounts Payable
—
—
—
41.56
Long Term Debt And Capital Lease Obligation
74.03
+0.32%
73.79
-8.14%
80.33
-56.67%
185.38
Long Term Debt
74.03
+0.32%
73.79
-8.14%
80.33
-56.67%
185.38
Stockholders Equity
333.97
+9.25%
305.68
+5.63%
289.38
+10.84%
261.08
Common Stock Equity
333.97
+9.25%
305.68
+5.63%
289.38
+10.84%
261.08
Capital Stock
14.04
+1.81%
13.79
+1.37%
13.61
+1.04%
13.47
Common Stock
14.04
+1.81%
13.79
+1.37%
13.61
+1.04%
13.47
Preferred Stock
—
—
—
—
Share Issued
14.04
+1.81%
13.79
+1.37%
13.61
+1.04%
13.47
Ordinary Shares Number
12.72
-1.77%
12.95
+1.47%
12.76
+1.11%
12.62
Treasury Shares Number
1.33
+56.49%
0.85
+0.00%
0.85
+0.00%
0.85
Additional Paid In Capital
170.38
+3.46%
164.68
+2.61%
160.49
+2.12%
157.15
Retained Earnings
190.41
+10.59%
172.18
+7.04%
160.86
+11.01%
144.91
Gains Losses Not Affecting Retained Earnings
-13.87
+50.88%
-28.23
+2.08%
-28.83
+23.53%
-37.70
Treasury Stock
27.00
+61.30%
16.74
+0.00%
16.74
+0.00%
16.74
Minority Interest
0.00
-100.00%
0.11
+366.67%
-0.04
-113.68%
0.31
Other Equity Adjustments
-13.87
+50.88%
-28.23
+2.08%
-28.83
+23.53%
-37.70
Total Equity Gross Minority Interest
333.97
+9.21%
305.79
+5.68%
289.34
+10.69%
261.39
Total Capitalization
407.99
+7.52%
379.47
+2.64%
369.71
-17.19%
446.47
Invested Capital
407.99
+7.52%
379.47
+2.64%
369.71
-17.19%
446.47
Total Debt
74.03
+0.32%
73.79
-8.14%
80.33
-56.67%
185.38
Net Debt
—
—
—
145.10
Net Tangible Assets
333.97
+9.25%
305.68
+5.63%
289.38
+12.06%
258.25
Tangible Book Value
333.97
+9.25%
305.68
+5.63%
289.38
+12.06%
258.25
Available For Sale Securities
455.42
+969.48%
42.58
+3.64%
41.09
+6.04%
38.74
Cash Cash Equivalents And Federal Funds Sold
244.12
-23.21%
317.91
-20.17%
398.23
+888.65%
40.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
4.03
+1513.33%
-0.28
-100.49%
58.23
+691.96%
7.35
Cash Flow From Continuing Operating Activities
4.03
+1513.33%
-0.28
-100.49%
58.23
+691.96%
7.35
Cash From Discontinued Operating Activities
—
—
-11.80
0.00
Net Income From Continuing Operations
26.92
+32.98%
20.25
-34.71%
31.01
+115.51%
14.39
Depreciation Amortization Depletion
2.60
-33.88%
3.93
-21.43%
5.00
-5.99%
5.32
Depreciation
—
—
5.00
-5.99%
5.32
Depreciation And Amortization
2.60
-33.88%
3.93
-21.43%
5.00
-5.99%
5.32
Other Non Cash Items
-36.03
-23758.94%
-0.15
-100.89%
16.89
+174.07%
-22.80
Stock Based Compensation
3.80
+30.48%
2.91
+9.59%
2.66
-17.38%
3.22
Deferred Tax
-0.39
-117.76%
2.20
+2163.92%
0.10
+102.67%
-3.63
Deferred Income Tax
-0.39
-117.76%
2.20
+2163.92%
0.10
+102.67%
-3.63
Operating Gains Losses
-4.34
+71.51%
-15.24
-371.35%
5.62
-12.36%
6.41
Gain Loss On Investment Securities
3.66
+288.17%
-1.95
-217.24%
1.66
+74.82%
0.95
Change In Working Capital
0.98
+104.59%
-21.36
-371.13%
-4.53
+69.50%
-14.86
Change In Other Current Assets
0.77
+103.55%
-21.63
-249.35%
-6.19
-153.94%
-2.44
Change In Other Current Liabilities
0.21
-19.85%
0.27
-83.89%
1.66
+113.33%
-12.43
Investing Cash Flow
-208.60
-244.40%
144.46
+63.70%
88.25
+115.45%
-571.13
Cash Flow From Continuing Investing Activities
-208.60
-244.40%
144.46
+63.70%
88.25
+115.45%
-571.13
Net PPE Purchase And Sale
-1.70
-5.00%
-1.62
-8.72%
-1.49
+50.20%
-2.99
Purchase Of PPE
-1.92
-18.21%
-1.62
+15.40%
-1.92
+37.03%
-3.04
Sale Of PPE
0.21
0.00
-100.00%
0.42
+767.35%
0.05
Capital Expenditure
-1.92
-18.21%
-1.62
+15.40%
-1.92
+37.03%
-3.04
Net Investment Purchase And Sale
6.30
+108.72%
-72.22
-284.62%
39.12
+179.04%
-49.49
Purchase Of Investment
-217.03
-90.28%
-114.06
-23.16%
-92.61
+30.08%
-132.45
Sale Of Investment
223.33
+433.73%
41.84
-68.23%
131.73
+58.78%
82.96
Net Business Purchase And Sale
45.74
0.00
+100.00%
-0.01
0.00
Purchase Of Business
—
0.00
+100.00%
-0.01
0.00
Gain Loss On Sale Of Business
—
—
-11.80
0.00
Net Other Investing Changes
-7.88
-145.12%
17.47
+614.55%
-3.40
+49.48%
-6.72
Financing Cash Flow
130.78
+158.26%
-224.49
-206.16%
211.47
-28.71%
296.62
Cash Flow From Continuing Financing Activities
130.78
+158.26%
-224.49
-206.16%
211.47
-28.71%
296.62
Net Issuance Payments Of Debt
0.00
+100.00%
-6.84
+93.50%
-105.36
-194.00%
112.08
Issuance Of Debt
—
0.00
0.00
-100.00%
112.33
Repayment Of Debt
0.00
+100.00%
-6.84
+93.50%
-105.36
-42385.08%
-0.25
Long Term Debt Issuance
—
0.00
0.00
-100.00%
112.33
Long Term Debt Payments
0.00
+100.00%
-6.84
+93.50%
-105.36
-42385.08%
-0.25
Net Long Term Debt Issuance
0.00
+100.00%
-6.84
+93.50%
-105.36
-194.00%
112.08
Net Common Stock Issuance
-10.16
0.00
0.00
0.00
Common Stock Payments
-10.16
0.00
0.00
0.00
Common Stock Dividend Paid
-8.71
+0.74%
-8.77
-1.54%
-8.64
-3.40%
-8.36
Cash Dividends Paid
-8.71
+0.74%
-8.77
-1.54%
-8.64
-3.40%
-8.36
Repurchase Of Capital Stock
-10.16
0.00
0.00
0.00
Proceeds From Stock Option Exercised
1.84
+76.20%
1.05
+600.48%
-0.21
-114.94%
1.40
Net Other Financing Charges
—
—
-0.10
-143.90%
-0.04
Changes In Cash
-73.79
+8.13%
-80.32
-122.44%
357.95
+233.98%
-267.16
Beginning Cash Position
317.91
-20.17%
398.23
+888.65%
40.28
-86.90%
307.44
End Cash Position
244.12
-23.21%
317.91
-20.17%
398.23
+888.65%
40.28
Free Cash Flow
2.11
+210.92%
-1.91
-103.38%
56.32
+1206.08%
4.31
Interest Paid Supplemental Data
71.49
-2.39%
73.24
+9.79%
66.71
+443.00%
12.29
Income Tax Paid Supplemental Data
—
0.92
-92.94%
13.08
+472.52%
2.29
Amortization Of Securities
0.20
-89.88%
1.94
-6.52%
2.07
-20.18%
2.60
Common Stock Issuance
—
—
0.00
0.00
Earnings Losses From Equity Investments
-8.15
-1373.96%
-0.55
-117.21%
3.21
-64.25%
8.99
Issuance Of Capital Stock
—
—
0.00
0.00
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
—
—
0.00
0.00
Preferred Stock Payments
—
—
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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