MVB Financial (MVBF)
NASDAQ:MVBF
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MVB Financial
(NASDAQ:MVBF)
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Rating:59Neutral
Price Target:
$30.00
▲(12.02% Upside)
Action:Reiterated
Date:05/21/26
The score is primarily held back by weak and volatile cash generation despite solid reported profitability and a stronger, de-levered balance sheet. Technical indicators point to soft near-term momentum, while reasonable valuation and a maintained dividend help offset risks. Corporate events are mostly constructive, though governance concerns from a director resignation add uncertainty.
Positive Factors
Deleveraged balance sheet and solid capital base
Material de‑leveraging and a steady equity base improve financial resilience. With debt-to-equity down to ~0.16 and ~$335M equity against ~$3.3B assets, MVB can absorb shocks, fund fintech partnerships and maintain capital returns without immediate refinancing pressure.
Negative Factors
Negative and volatile operating & free cash flow
Sustained negative TTM operating and free cash flow undermines earnings quality and limits internal funding for growth or capital returns. Over the medium term this raises reliance on external funding and increases execution risk for fintech investments and dividend sustainability.
Read all positive and negative factors
Positive Factors
Negative Factors
Deleveraged balance sheet and solid capital base
Material de‑leveraging and a steady equity base improve financial resilience. With debt-to-equity down to ~0.16 and ~$335M equity against ~$3.3B assets, MVB can absorb shocks, fund fintech partnerships and maintain capital returns without immediate refinancing pressure.
Read all positive factors
MVB Financial Key Performance Indicators (KPIs)
MVB Financial (MVBF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$355.56M
Dividend Yield2.61%
Average Volume (3M)36.52K
Price to Earnings (P/E)12.4
Beta (1Y)0.92
Revenue Growth-7.02%
EPS Growth51.80%
CountryUS
Employees453
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.26
Shares Outstanding12,849,901
10 Day Avg. Volume45,209
30 Day Avg. Volume36,520
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.99
Price to Sales (P/S)1.22
P/FCF Ratio156.17
Enterprise Value/Market Cap1.14
Enterprise Value/Revenue2.03
Enterprise Value/Gross Profit3.34
Enterprise Value/Ebitda9.90
Forecast
1Y Price Target
$32.00Price Target Upside19.49% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.82
Revenue Forecast (FY)$152.12M
MVB Financial Business Overview & Revenue Model
Company Description
MVB Financial Corp. operates as a financial holding company, delivering a comprehensive suite of financial services to both individual consumers and corporate clients. The company serves customers across the Mid-Atlantic region and extends its rea...
How the Company Makes Money
MVB Financial primarily makes money through banking revenue streams generated by its bank subsidiary. The largest driver for most banks is net interest income: the bank earns interest and fees on loans (e.g., commercial real estate, commercial and...
MVB Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 199.70M | 270.44M | 227.33M | 213.02M | 152.36M | 111.07M |
| Gross Profit | 121.60M | 193.79M | 147.15M | 148.40M | 124.01M | 111.08M |
| EBITDA | 40.98M | 39.45M | 30.27M | 32.30M | 20.35M | 51.68M |
| Net Income | 28.55M | 26.94M | 20.09M | 31.23M | 15.05M | 39.12M |
Balance Sheet | ||||||
| Total Assets | 3.32B | 3.31B | 3.13B | 3.31B | 3.06B | 2.79B |
| Cash, Cash Equivalents and Short-Term Investments | 9.37M | 249.86M | 729.55M | 743.50M | 420.09M | 731.62M |
| Total Debt | 58.48M | 77.36M | 76.55M | 85.15M | 195.42M | 84.42M |
| Total Liabilities | 2.99B | 2.97B | 2.82B | 3.02B | 2.79B | 2.51B |
| Stockholders Equity | 334.92M | 333.97M | 305.68M | 289.38M | 261.39M | 275.30M |
Cash Flow | ||||||
| Free Cash Flow | -35.41M | 2.11M | -1.91M | 56.32M | 4.31M | 29.95M |
| Operating Cash Flow | -33.41M | 4.03M | -285.00K | 58.23M | 7.35M | 34.81M |
| Investing Cash Flow | -318.49M | -208.60M | 144.46M | 88.25M | -571.13M | -571.95M |
| Financing Cash Flow | 278.08M | 130.78M | -224.49M | 211.57M | 296.62M | 580.68M |
MVB Financial Technical Analysis
Positive
26.78
Price Trends
26.22
Positive
26.36
Positive
26.00
Positive
Market Momentum
0.58
Negative
59.56
Neutral
62.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MVBF, the sentiment is Positive. The current price of 26.78 is below the 20-day moving average (MA) of 26.84, above the 50-day MA of 26.22, and above the 200-day MA of 26.00, indicating a bullish trend. The MACD of 0.58 indicates Negative momentum. The RSI at 59.56 is Neutral, neither overbought nor oversold. The STOCH value of 62.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MVBF.
MVB Financial Risk Analysis
MVB Financial disclosed 36 risk factors in its most recent earnings report. MVB Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MVB Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $423.40M | 10.71 | 7.85% | 2.98% | 6.99% | 103.96% | |
74 Outperform | $419.53M | 20.46 | 6.48% | ― | 23.76% | 16.08% | |
73 Outperform | $350.70M | 7.76 | 12.62% | 4.11% | -4.89% | -7.62% | |
73 Outperform | $306.59M | 9.48 | 10.88% | 3.17% | 5.91% | -1.54% | |
69 Neutral | $555.77M | 13.73 | 9.65% | ― | 6.94% | 90.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $355.56M | 12.44 | 8.79% | 2.61% | -7.02% | 51.80% |
* Financial Sector Average
MVBF
MVB Financial
27.75
7.96
40.22%
NECB
Northeast Community Bancorp
25.81
4.93
23.64%
SFST
Southern First Bancshares
58.84
23.77
67.78%
FSBW
FS Bancorp
41.82
5.27
14.43%
RBB
Rbb Bancorp
25.71
10.19
65.66%
PBFS
Pioneer Bancorp
16.82
5.30
46.01%
MVB Financial Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresShareholder Meetings
MVB Financial Maintains Dividend as Earnings Grow Strongly
Positive
May 20, 2026
MVB Financial Corp. reported that on May 19, 2026, it successfully held its 28th Annual Meeting of Shareholders via live webcast, with about 75% of outstanding voting shares represented, establishing a quorum. Shareholders elected four directors, ...
Business Operations and StrategyFinancial Disclosures
MVB Financial unveils fintech-focused investor presentation highlighting growth
Positive
Apr 29, 2026
MVB Financial Corp. announced that it has made available a new set of investor presentation slides for use in investor meetings, which detail its evolution from a community bank into a scaled fintech-focused banking platform and highlight key fina...
Business Operations and Strategy
MVB Financial Showcases Fintech Strategy at Centri Conference
Positive
Apr 8, 2026
MVB Financial Corp., parent of MVB Bank, is an innovation-oriented banking company that supports fintech firms with services spanning payments, card issuance, sponsorship lending and online gaming, alongside its traditional retail and commercial b...
Business Operations and StrategyExecutive/Board Changes
MVB Financial Appoints Michael Giorgio as New Chief Operating Officer
Positive
Apr 8, 2026
MVB Financial Corp. announced that on April 1, 2026, Michael L. Giorgio assumed the role of Chief Operating Officer of both the company and its subsidiary MVB Bank, Inc., while retaining his existing position as Chief Information Officer. The comp...
Business Operations and StrategyExecutive/Board Changes
MVB Financial Names CIO Mike Giorgio as Chief Operating Officer
Positive
Apr 1, 2026
On April 1, 2026, MVB Financial Corp. announced that Michael “Mike” L. Giorgio, Executive Vice President and Chief Information Officer since 2023, was also named Chief Operating Officer, formalizing operational duties he had already as...
Business Operations and StrategyFinancial Disclosures
MVB Financial Highlights Fintech-Focused Growth Strategy in Update
Positive
Mar 25, 2026
MVB Financial Corp. released an updated investor presentation for use in investor meetings, outlining its evolution from a community bank into a differentiated fintech-focused institution with $3.3 billion in assets, $2.8 billion in deposits and a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.