MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $334.07M
• Dividend Yield: 2.59%
• Average Volume (3M): 36.52K
• Price to Earnings (P/E): 20.8
• Beta (1Y): 0.91
• Revenue Growth: -10.30%
• EPS Growth: -16.98%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.32
• Shares Outstanding: 12,731,325
• 10 Day Avg. Volume: 45,209
• 30 Day Avg. Volume: 36,520
• PEG Ratio: -0.36
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 1.17
• P/FCF Ratio: -140.06
• Enterprise Value/Market Cap: 1.09
• Enterprise Value/Revenue: 1.85
• Enterprise Value/Gross Profit: 2.64
• Enterprise Value/Ebitda: 13.83
• 1Y Price Target: $30.00
• Price Target Upside: 14.11% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 67 Neutral
• Price Target: $28.00 ▲(6.50% Upside)

MVB Financial's overall stock score reflects a stable financial position and strong technical momentum, despite challenges in revenue growth and cash flow management. The valuation is moderate, with some income potential from dividends. The stock's overbought technical indicators suggest caution in the short term.

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 a stable financial position with positive profitability margins. However, challenges in revenue growth and cash flow management, along with declining profitability margins, pose risks. The balance sheet remains strong with low leverage, providing a buffer against financial volatility.

Income Statement

MVB Financial's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate at -9.67%, which is concerning. However, the company maintains positive net profit and EBIT margins at 8.03% and 9.72% respectively, indicating operational efficiency. Historical data shows fluctuating revenue growth, with strong growth in 2023 but a decline in 2025. Profitability margins have decreased over time, suggesting potential challenges in maintaining profitability.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.25 in the most recent annual report, indicating prudent leverage management. Return on equity has decreased from 14.21% in 2021 to 5.60% in TTM, suggesting reduced profitability on equity. The equity ratio remains healthy, showing a strong equity base relative to total assets.

Cash Flow

Cash flow analysis reveals challenges, with a significant decline in free cash flow growth at -50.81% in TTM. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio remains strong at 97.55%, suggesting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	196.62M	227.33M	213.02M	152.36M	111.07M	128.73M
Gross Profit	138.10M	147.15M	148.40M	124.01M	111.08M	100.53M
EBITDA	26.35M	30.27M	32.30M	20.35M	51.68M	50.23M
Net Income	17.10M	20.09M	31.23M	15.05M	39.12M	37.41M
Balance Sheet
Total Assets	3.22B	3.13B	3.31B	3.06B	2.79B	2.33B
Cash, Cash Equivalents and Short-Term Investments	795.93M	729.55M	743.50M	420.09M	731.62M	686.32M
Total Debt	76.94M	76.55M	85.15M	195.42M	84.42M	53.67M
Total Liabilities	2.92B	2.82B	3.02B	2.79B	2.51B	2.09B
Stockholders Equity	302.31M	305.68M	289.38M	261.39M	275.30M	239.48M
Cash Flow
Free Cash Flow	18.76M	-1.91M	56.32M	4.31M	29.95M	105.62M
Operating Cash Flow	19.66M	-285.00K	58.23M	7.35M	34.81M	112.23M
Investing Cash Flow	18.44M	144.46M	88.25M	-571.13M	-571.95M	-294.11M
Financing Cash Flow	-94.23M	-224.49M	211.57M	296.62M	580.68M	417.77M

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 26.29 is above the 20-day moving average (MA) of 26.27, above the 50-day MA of 25.07, and above the 200-day MA of 20.88, indicating a bullish trend. The MACD of 0.35 indicates Positive momentum. The RSI at 54.59 is Neutral, neither overbought nor oversold. The STOCH value of 61.03 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
PBFS	―	$334.90M	15.82	6.98%	―	31.28%	23.21%
NECB	―	$281.08M	6.09	13.63%	3.74%	-0.72%	-7.24%
RBB	―	$327.42M	12.89	5.11%	3.37%	-0.70%	-19.65%
FSBW	―	$291.55M	9.41	10.83%	3.35%	4.56%	-12.45%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MVBF	―	$334.07M	20.84	10.19%	2.59%	-10.30%	-16.98%
SFST	―	$359.46M	13.63	7.65%	―	4.74%	86.27%

MVB Financial Corporate Events

MVB Financial Announces Balance Sheet Repositioning Strategy

On October 6, 2025, MVB Financial Corp. announced a balance sheet repositioning strategy involving the sale of approximately $73 million in available-for-sale investment securities. This move, resulting in a pre-tax loss of $7.6 million, is aimed at redeploying proceeds into higher-yielding securities to enhance profitability and shareholder value. Despite the loss, the impact on shareholders’ equity is expected to be neutral, and the company’s regulatory capital ratios will remain strong.

The most recent analyst rating on (MVBF) stock is a Hold with a $28.00 price target. To see the full list of analyst forecasts on MVB Financial stock, see the MVBF Stock Forecast page.

MVB Financial Sells Victor Technologies to Jack Henry

On September 30, 2025, MVB Financial Corp. completed the sale of Victor Technologies to Jack Henry & Associates, a move expected to generate a pre-tax gain of approximately $33 million and enhance MVB’s earnings per share. The transaction, which aligns with MVB’s strategy of incubating Fintech solutions, will allow the company to pursue capital management strategies and maintain a strategic partnership with Victor, benefiting from its growth through Jack Henry’s extensive client network.

The most recent analyst rating on (MVBF) stock is a Hold with a $28.00 price target. To see the full list of analyst forecasts on MVB Financial stock, see the MVBF Stock Forecast page.

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.

The most recent analyst rating on (MVBF) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on MVB Financial stock, see the MVBF Stock Forecast page.

MVB Financial Reports Q2 2025 Results with Loan Growth

MVB Financial Corp., a financial holding company based in Fairmont, West Virginia, operates through its subsidiary MVB Bank to offer financial services to individuals and corporate clients primarily in the Mid-Atlantic region.

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.

The most recent analyst rating on (MVBF) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on MVB Financial stock, see the MVBF Stock Forecast page.