MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $310.64M
• Dividend Yield: 2.79%
• Average Volume (3M): 57.15K
• Price to Earnings (P/E): 18.4
• Beta (1Y): 0.92
• Revenue Growth: -10.30%
• EPS Growth: -16.98%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 12,731,325
• 10 Day Avg. Volume: 43,691
• 30 Day Avg. Volume: 57,147
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 1.67
• Enterprise Value/Gross Profit: 2.56
• Enterprise Value/Ebitda: 12.58
• 1Y Price Target: $26.00
• Price Target Upside: 6.56% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 73 Outperform
• Price Target: $26.00 ▲(6.56% Upside)

MVB Financial's overall stock score reflects strong financial performance and positive corporate events, which are offset by neutral technical indicators. The company's stable financial metrics and strategic initiatives support its position in the regional banking sector, while the fair valuation and dividend yield add to its attractiveness.

MVB Financial Business Overview & Revenue Model

Company Description

MVB Financial (MVBF) is a diversified financial services holding company based in the United States, primarily focused on providing banking, financial, and mortgage services. The company operates through its wholly-owned subsidiary, MVB Bank, which offers a range of products including personal and commercial banking, investment services, and mortgage lending. MVB Financial also engages in technology-driven services, catering to both individual and business clients, thereby enhancing its competitive edge in the financial sector.

How the Company Makes Money

MVB Financial generates revenue through various channels, primarily by earning interest on loans and other financial products offered by MVB Bank. Key revenue streams include interest income from commercial and residential loans, fees from banking services, and income from investment activities. The company also benefits from non-interest income sources such as service charges on deposit accounts, mortgage origination fees, and transaction fees related to its fintech initiatives. Additionally, strategic partnerships with technology firms enhance its service offerings and drive customer acquisition, contributing to overall earnings.

MVB Financial Financial Statement Overview

Summary

MVB Financial demonstrates strong financial performance with solid profitability and cash flow metrics, supported by a stable balance sheet. Despite a slight revenue decline, the company maintains healthy margins and a balanced financial structure, reducing exposure to financial risks.

Income Statement

MVB Financial shows a stable income performance with a gross profit margin of 65.5% and a net profit margin of 8.8% in TTM (Trailing-Twelve-Months). Despite a slight revenue decline from the previous period, margins remain healthy, indicating efficient cost management. The EBIT and EBITDA margins are also strong, at 11.7% and 13.3% respectively, highlighting operational efficiency. However, the revenue growth is a concern, as it decreased slightly in the latest period.

Balance Sheet

The balance sheet of MVB Financial is strong, with a debt-to-equity ratio of 0.25, indicating low leverage and financial stability. The return on equity (ROE) stands at 6.2%, which is modest but stable. The equity ratio is 10.3%, reflecting a solid equity base relative to total assets. The company's financial position is robust, with a good balance between debt and equity, reducing financial risk.

Cash Flow

The cash flow situation at MVB Financial is favorable, with a positive free cash flow of $38.1 million in the TTM period. The operating cash flow to net income ratio is 2.04, indicating strong cash generation relative to net income. The free cash flow to net income ratio is also positive, suggesting effective cash management. The free cash flow growth rate is impressive, turning from negative to positive, which enhances financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	217.65M	227.33M	213.02M	152.36M	111.07M	128.73M
Gross Profit	142.64M	147.15M	148.40M	124.01M	111.08M	100.53M
EBITDA	28.97M	30.27M	32.30M	20.35M	51.68M	50.23M
Net Income	19.19M	20.09M	31.23M	15.05M	39.12M	37.41M
Balance Sheet
Total Assets	3.02B	3.13B	3.31B	3.06B	2.79B	2.33B
Cash, Cash Equivalents and Short-Term Investments	671.07M	729.55M	743.50M	420.09M	731.62M	686.32M
Total Debt	77.90M	76.55M	85.15M	195.42M	84.42M	53.67M
Total Liabilities	2.71B	2.82B	3.02B	2.79B	2.51B	2.09B
Stockholders Equity	310.05M	305.68M	289.38M	261.39M	275.30M	239.48M
Cash Flow
Free Cash Flow	38.14M	-1.91M	56.32M	4.31M	29.95M	105.62M
Operating Cash Flow	39.10M	-285.00K	58.23M	7.35M	34.81M	112.23M
Investing Cash Flow	149.93M	144.46M	88.25M	-571.13M	-571.95M	-294.11M
Financing Cash Flow	-578.01M	-224.49M	211.57M	296.62M	580.68M	417.77M

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 24.4 is above the 20-day moving average (MA) of 23.26, above the 50-day MA of 23.05, and above the 200-day MA of 19.84, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 66.92 is Neutral, neither overbought nor oversold. The STOCH value of 72.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MVBF.

MVB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NECB	78 Outperform	$316.28M	6.77	14.25%	3.77%	4.02%	-0.62%
RBB	76 Outperform	$348.98M	15.93	4.47%	3.16%	-0.13%	-32.16%
MVBF	73 Outperform	$310.64M	18.38	5.71%	2.79%	-10.30%	-16.98%
SFST	73 Outperform	$369.77M	16.77	6.58%	―	4.79%	58.67%
PBFS	73 Outperform	$331.62M	15.67	6.98%	―	31.28%	23.21%
FSBW	72 Outperform	$324.44M	10.18	11.31%	3.11%	5.10%	-7.22%
Sector *	68 Neutral	$17.90B	11.92	10.28%	3.72%	9.73%	1.69%

MVB Financial Corporate Events

MVB Financial Announces Quarterly Dividend Approval

On August 20, 2025, MVB Financial Corp. announced the approval of a quarterly cash dividend of $0.17 per share, maintaining the dividend from the previous quarter, with shareholders of record on September 1, 2025, and payable on September 15, 2025. The company experienced accelerated loan growth and an 8.5% increase in deposits during a typically challenging quarter, indicating strong business momentum and confidence in delivering long-term value to stakeholders.

MVB Financial Reports Strong Q2 2025 Performance

In the second quarter of 2025, MVB Financial Corp. reported a 3.5% growth in pre-tax, pre-provision income and a net interest margin increase to 3.66%. The company also saw a 13.4% rise in total noninterest income, a 4.4% increase in loan growth, and an 8.5% growth in deposits. MVB repurchased 314,580 shares for $6.4 million, reflecting strong insider support. The company continues to focus on fintech partnerships and stablecoin opportunities, aiming to enhance its market position and offer innovative financial solutions.

MVB Financial Announces Executive Leadership Restructuring

On July 14, 2025, MVB Financial Corp. will undergo significant executive changes as Donald T. Robinson departs from his roles as President and Chief Financial Officer to pursue other opportunities. Larry F. Mazza, the current CEO, will reassume the role of President, while Michael R. Sumbs and Jonathan T. Logan will be appointed as Executive Vice President and Chief Financial Officer, and Chief Accounting Officer, respectively. This transition is expected to support MVB’s growth and enhance shareholder value, with Robinson remaining available for consulting during the transition period.

MVB Financial Holds 27th Annual Shareholder Meeting

On May 20, 2025, MVB Financial Corp. held its 27th Annual Meeting of Shareholders virtually, where key proposals were voted on, including the election of directors and approval of executive compensation. Additionally, the company declared a quarterly cash dividend of $0.17 per share, reflecting its strategic business repositioning and strong first-quarter performance, which supports its long-term value delivery for stakeholders.