A Business at a Glance
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MVB FINANCIAL CORP
MVBF
$381M
Mkt Cap
$29.10
+1.61%
MVB FINANCIAL CORP (MVBF) has a current P/E ratio of 11.9, compared to its historical median P/E of 11.8. The stock is currently considered Fair based on its historical valuation range.
MVB FINANCIAL CORP (MVBF) has a 5-year average return on invested capital (ROIC) of 9.0%. This is below average and may indicate limited pricing power.
MVB FINANCIAL CORP (MVBF) has a market capitalization of $374M. It is classified as a small-cap stock.
Yes, MVB FINANCIAL CORP (MVBF) pays a dividend with a trailing twelve-month yield of 2.32%. The company also returns capital through share buybacks, with a buyback yield of 2.72%.
Based on historical P/E analysis, MVB FINANCIAL CORP (MVBF) appears fair. The current P/E of 11.9 is 0% above its historical median of 11.8. The estimated fair value CAGR (P/E method) is -1.2%.
MVB FINANCIAL CORP (MVBF) operates in the State Commercial Banks industry, within the Financials sector.
MVB FINANCIAL CORP (MVBF) reported annual revenue of $236 million in its most recent fiscal year, based on SEC EDGAR filings.
Corporate Overview MVB Financial Corp. is a financial holding company organized as a West Virginia corporation in 2003 that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (the “Bank”). The Bank’s consolidated subsidiaries include MVB Edge Ventures, LLC (“Edge Ventures”), Paladin Fraud, LLC (“Paladin Fraud”) and MVB Insurance, LLC, (“MVB Insurance”). The Bank owns a controlling interest in Trabian Technology, Inc. (“Trabian”). Edge Ventures wholly-owns Victor Technologies, Inc. (“Victor”) and MVB Technology, LLC ("MVB Technology"). The Bank also owns an equity method investment in Intercoastal Mortgage Company, LLC (“ICM”) and MVB Financial owns equity method investments in Warp Speed Holdings, LLC (“Warp Speed”) and Ayers Socure II, LLC (“Ayers Socure II”). MVB Financial's consolidated subsidiaries also includes SPE PR, LLC.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 171M | 236M | 229M | 210M | 154M | 139M |
| Net Income | 29M | 27M | 20M | 31M | 15M | 39M |
| EPS | $2.26 | $2.06 | $1.53 | $2.40 | $1.17 | $3.10 |
| Free Cash Flow | -35M | 2.1M | -1.9M | 56M | 4.3M | 30M |
| ROIC | 8.5% | 8.4% | 6.8% | 11.3% | 5.3% | 13.4% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.06 | 8.91 | 9.23 | 0.02 | 0.04 | 0.11 |
| Dividends/Share | $0.68 | $0.68 | $0.68 | $0.68 | $0.68 | $0.51 |
| Operating Income | 2.7M | 3.2M | 5.5M | 7.8M | 3.6M | 4.7M |
| Operating Margin | 1.6% | 1.3% | 2.4% | 3.7% | 2.4% | 3.4% |
| ROE | 8.5% | 8.4% | 6.8% | 11.3% | 5.6% | 15.2% |
| Shares Outstanding | 13M | 13M | 13M | 13M | 13M | 13M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 58M | 79M | 97M | 97M | 108M | 147M | 172M | 139M | 154M | 210M | 229M | 236M | 171M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.5M | 3.6M | 4.9M | 4.9M |
| SG&A | 28M | 36M | 45M | 44M | 46M | 56M | 62M | 53M | 63M | 63M | 68M | 71M | 71M |
| EBIT | 133K | 9.5M | 850K | 1.3M | 3.3M | 4.6M | 47M | 4.7M | 3.6M | 7.8M | 5.5M | 3.2M | 2.7M |
| Op. Margin | 0.2% | 12.0% | 0.9% | 1.3% | 3.0% | 3.1% | 27.2% | 3.4% | 2.4% | 3.7% | 2.4% | 1.3% | 1.6% |
| Net Income | 1.7M | 6.2M | 12M | 7.1M | 12M | 27M | 37M | 39M | 15M | 31M | 20M | 27M | 29M |
| Net Margin | 3.0% | 7.9% | 12.1% | 7.3% | 10.6% | 18.0% | 21.4% | 28.1% | 9.8% | 14.9% | 8.8% | 11.4% | 16.7% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 18M | 11M | 0 | -986K | 0 | 35M | 35M |
| Returns on Capital | |||||||||||||
| ROIC | 1.0% | 2.2% | 3.9% | 2.3% | 3.1% | 6.3% | 10.3% | 13.4% | 5.3% | 11.3% | 6.8% | 8.4% | 8.5% |
| ROE | 1.7% | 5.6% | 9.1% | 4.8% | 7.0% | 13.6% | 16.4% | 15.2% | 5.6% | 11.3% | 6.8% | 8.4% | 8.5% |
| ROA | 0.2% | 0.5% | 0.8% | 0.5% | 0.7% | 1.4% | 1.7% | 1.5% | 0.5% | 1.0% | 0.6% | 0.8% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 24M | -23M | 25M | 33M | 6.7M | -8.1M | 112M | 35M | 7.4M | 58M | -285K | 4.0M | -33M |
| Free Cash Flow | 15M | -25M | 24M | 29M | 4.0M | -10M | 106M | 30M | 4.3M | 56M | -1.9M | 2.1M | -35M |
| Owner Earnings | 23M | -26M | 21M | 30M | 2.5M | -13M | 107M | 28M | -769K | 51M | -7.1M | -2.4M | -39M |
| CapEx | 9.8M | 2.2M | 1.7M | 4.5M | 2.7M | 2.0M | 6.6M | 4.9M | 3.0M | 1.9M | 1.6M | 1.9M | 1.8M |
| Maint. CapEx | 1.2M | 2.9M | 3.4M | 2.7M | 2.9M | 3.3M | 3.3M | 4.2M | 5.3M | 5.0M | 3.9M | 2.6M | 2.2M |
| Growth CapEx | 8.6M | 0 | 0 | 1.8M | 0 | 0 | 3.3M | 667K | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.2M | 2.9M | 3.4M | 2.7M | 2.9M | 3.3M | 3.3M | 4.2M | 5.3M | 5.0M | 3.9M | 2.6M | 2.2M |
| CapEx/OCF | 39.0% | N/A | 6.6% | 13.6% | 40.2% | N/A | 5.9% | 14.0% | 41.4% | 3.3% | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 636K | 641K | 646K | 1.0M | 1.2M | 2.3M | 4.3M | 6.0M | 8.4M | 8.6M | 8.8M | 8.7M | 8.7M |
| Dividend Yield | 0.6% | 0.7% | 0.7% | 0.8% | 0.7% | 1.2% | 2.5% | 1.4% | 2.1% | 3.3% | 3.4% | N/A | 2.3% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 16M | 0 | 0 | 0 | 0 | 10M | 10M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 6.7% | N/A | N/A | N/A | N/A | 0.0% | 2.7% |
| Stock-Based Comp | 321K | 413K | 568K | 813K | 1.3M | 1.8M | 2.4M | 2.6M | 2.8M | 2.7M | 2.9M | 3.8M | 3.8M |
| Debt Repayment | 0 | 0 | 0 | 0 | 35K | 0 | 717K | 552K | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | 37M | 123M | -47M | -66M | -11M | -37M | -635M | -280M | -35M | -391M | N/A | N/A | -158M |
| Cash & Equiv. | 30M | 29M | 17M | 20M | 22M | 28M | 264M | 307M | 40M | 398M | 318M | 244M | 178M |
| Long-Term Debt | 135M | 217M | 124M | 186M | 232M | 227M | 40M | 30M | 0 | 0 | N/A | N/A | 132K |
| Debt/Equity | 1.23 | 1.89 | 0.85 | 1.24 | 1.31 | 1.07 | 0.17 | 0.11 | 0.04 | 0.02 | 9.23 | 8.91 | 0.06 |
| Interest Coverage | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 5.0 | 0.7 | 0.3 | 0.1 | 0.1 | 0.0 | 0.0 |
| Equity | 109M | 115M | 146M | 150M | 177M | 212M | 239M | 274M | 261M | 289M | 306M | 334M | 335M |
| Total Assets | 1.1B | 1.4B | 1.4B | 1.5B | 1.8B | 1.9B | 2.3B | 2.8B | 3.1B | 3.3B | 3.1B | 3.3B | 3.3B |
| Total Liabilities | 1.0B | 1.3B | 1.3B | 1.4B | 1.6B | 1.7B | 2.1B | 2.5B | 2.8B | 3.0B | 2.8B | 3.0B | 3.0B |
| Intangibles | N/A | 845K | 744K | 646K | 550K | 3.5M | 2.4M | 2.3M | 1.6M | 352K | 262K | 0 | 0 |
| Retained Earnings | 14M | 20M | 31M | 37M | 48M | 72M | 105M | 138M | 145M | 161M | 172M | 190M | 193M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | 10M | 13M | 17M | 16M | 18M | 42M | 56M | 55M | 36M | 38M | 52M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.22 | 0.77 | 1.31 | 0.68 | 1.00 | 2.20 | 3.06 | 3.10 | 1.17 | 2.40 | 1.53 | 2.06 | 2.26 |
| Owner EPS | 2.88 | -3.24 | 2.37 | 2.85 | 0.22 | -1.09 | 8.83 | 2.22 | -0.06 | 3.89 | -0.54 | -0.18 | -3.07 |
| Book Value | 13.78 | 14.15 | 16.19 | 14.43 | 15.35 | 17.59 | 19.83 | 21.76 | 20.30 | 22.24 | 23.28 | 25.54 | 26.07 |
| Cash Flow/Share | 3.08 | -2.83 | 2.81 | 3.18 | 0.58 | -0.67 | 9.29 | 2.76 | 0.57 | 4.47 | -0.02 | 0.31 | 2.40 |
| Dividends/Share | 0.08 | 0.08 | 0.08 | 0.10 | 0.11 | 0.20 | 0.36 | 0.51 | 0.68 | 0.68 | 0.68 | 0.68 | 0.68 |
| Shares Out. | 7.9M | 8.1M | 9.0M | 10.4M | 11.5M | 12.1M | 12.1M | 12.6M | 12.9M | 13.0M | 13.1M | 13.1M | 12.8M |
| Valuation | |||||||||||||
| P/E Ratio | 55.6 | 14.2 | 8.2 | 24.9 | 14.8 | 9.7 | 6.3 | 11.8 | 16.7 | 9.2 | 13.0 | N/A | 12.9 |
| P/FCF | 6.6 | N/A | 4.1 | 6.1 | 42.5 | N/A | 2.2 | 15.4 | 58.3 | 5.1 | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 81.1 |
| Price/Book | 0.9 | 0.8 | 0.7 | 1.2 | 1.0 | 1.2 | 1.0 | 1.7 | 1.0 | 1.0 | 0.9 | N/A | 1.1 |
| Price/Sales | 1.9 | 1.4 | 1.1 | 1.5 | 2.0 | 1.5 | 1.1 | 3.0 | 2.8 | 1.8 | 1.7 | N/A | 2.2 |
| FCF Yield | 15.0% | -28.3% | 24.4% | 16.3% | 2.4% | -3.9% | 45.3% | 6.5% | 1.7% | 19.7% | -0.7% | N/A | -9.4% |
| Market Cap | 97M | 89M | 97M | 176M | 170M | 256M | 233M | 462M | 251M | 286M | 262M | 0 | 374M |
| Avg. Price | 13.20 | 11.89 | 10.60 | 12.58 | 15.83 | 15.34 | 14.11 | 33.37 | 30.28 | 19.99 | 19.55 | 0.00 | 29.10 |
| Year-End Price | 12.24 | 10.93 | 10.75 | 16.91 | 14.77 | 21.25 | 19.32 | 36.66 | 19.54 | 21.98 | 19.96 | 0.00 | 29.10 |
MVB FINANCIAL CORP passes 1 of 9 quality checks, indicating weak fundamentals.
MVB FINANCIAL CORP trades at 11.9x trailing earnings, compared to its 15-year median P/E of 11.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 53.0x vs a median of 6.1x. The company's 5-year average ROIC is 9.0%. Total shareholder yield (dividends + buybacks) is 5.0%. At current prices, the estimated annualized return to fair value is -0.1%.
MVB FINANCIAL CORP (MVBF) has a net profit margin of 11.4%. This is a healthy margin.
MVB FINANCIAL CORP (MVBF) generated $2 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
MVB FINANCIAL CORP (MVBF) has a debt-to-equity ratio of 8.91. This indicates higher leverage, which may increase financial risk.
MVB FINANCIAL CORP (MVBF) reported earnings per share (EPS) of $2.06 in its most recent fiscal year.
MVB FINANCIAL CORP (MVBF) has a return on equity (ROE) of 8.4%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for MVB FINANCIAL CORP (MVBF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
MVB FINANCIAL CORP (MVBF) has a book value per share of $25.54, based on its most recent annual SEC filing.