MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $349.72M
• Dividend Yield: 2.45%
• Average Volume (3M): 36.52K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.85
• Revenue Growth: -14.00%
• EPS Growth: 73.85%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.32
• Shares Outstanding: 12,584,334
• 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: 1.04
• Enterprise Value/Revenue: 1.80
• Enterprise Value/Gross Profit: 2.87
• Enterprise Value/Ebitda: 7.81
• 1Y Price Target: $31.67
• Price Target Upside: 11.36% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $30.00 ▲(5.49% Upside)

MVB Financial's overall stock score is driven by strong corporate events and positive technical indicators. The company's strategic actions, such as the sale of Victor Technologies and share repurchase program, enhance shareholder value. However, financial performance shows mixed results with declining revenue growth and cash flow challenges, which slightly temper the overall score.

Positive Factors

Strategic Sale of Victor Technologies

The strategic sale of Victor Technologies strengthens MVB Financial's balance sheet and enhances earnings per share, supporting long-term growth and capital management strategies.

Share Repurchase Program

The new share repurchase program reflects management's confidence in the company's future and commitment to enhancing shareholder value, which can improve long-term stock performance.

Fintech Sector Growth

Expanding in the fintech sector positions MVB Financial to capitalize on technological advancements and evolving client needs, driving sustainable revenue growth.

Negative Factors

Declining Revenue Growth

A decline in revenue growth suggests challenges in expanding market share and could impact long-term profitability if not addressed.

Cash Flow Challenges

Declining free cash flow growth indicates potential liquidity issues, which could hinder operational efficiency and limit strategic investments.

Decreased ROE

A lower ROE suggests reduced efficiency in generating profits from equity, which may affect investor confidence and long-term financial health.

MVB Financial Business Overview & Revenue Model

Company Description

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. 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 also 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 title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.

How the Company Makes Money

MVB Financial generates revenue through multiple key streams. The primary source is interest income from loans made to customers, including personal, commercial, and mortgage loans. This interest income is supplemented by non-interest income derived from fees associated with banking services, including account maintenance fees, transaction fees, and service charges. Additionally, MVB Financial benefits from its fintech operations, which include revenue from technology solutions and partnerships with other financial institutions. Strategic partnerships, particularly in the fintech sector, enhance its service offerings and create new revenue opportunities. Overall, the combination of traditional banking services and innovative financial technology solutions positions MVB Financial for sustainable growth.

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	202.71M	227.33M	213.02M	152.36M	111.07M	128.73M
Gross Profit	126.83M	147.15M	148.40M	124.01M	111.08M	100.53M
EBITDA	46.65M	30.27M	32.30M	20.35M	51.68M	50.23M
Net Income	32.16M	20.09M	31.23M	15.05M	39.12M	37.41M
Balance Sheet
Total Assets	3.23B	3.13B	3.31B	3.06B	2.79B	2.33B
Cash, Cash Equivalents and Short-Term Investments	624.75M	729.55M	743.50M	420.09M	731.62M	686.32M
Total Debt	76.95M	76.55M	85.15M	195.42M	84.42M	53.67M
Total Liabilities	2.91B	2.82B	3.02B	2.79B	2.51B	2.09B
Stockholders Equity	327.75M	305.68M	289.38M	261.39M	275.30M	239.48M
Cash Flow
Free Cash Flow	6.92M	-1.91M	56.32M	4.31M	29.95M	105.62M
Operating Cash Flow	8.46M	-285.00K	58.23M	7.35M	34.81M	112.23M
Investing Cash Flow	-72.06M	144.46M	88.25M	-571.13M	-571.95M	-294.11M
Financing Cash Flow	-247.26M	-224.49M	211.57M	296.62M	580.68M	417.77M

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.44
• 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 28.44 is above the 20-day moving average (MA) of 26.89, above the 50-day MA of 26.41, and above the 200-day MA of 21.97, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 60.58 is Neutral, neither overbought nor oversold. The STOCH value of 68.50 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
SFST	75 Outperform	$452.53M	16.99	7.65%	―	4.74%	86.27%
FSBW	75 Outperform	$329.91M	10.71	10.77%	3.05%	4.43%	-12.94%
MVBF	73 Outperform	$349.72M	11.31	10.19%	2.45%	-14.00%	73.85%
PBFS	73 Outperform	$364.17M	17.44	6.79%	―	28.90%	31.84%
NECB	71 Outperform	$332.59M	7.23	13.63%	4.01%	-0.72%	-7.24%
RBB	70 Outperform	$378.78M	14.95	5.11%	2.88%	-0.70%	-19.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

MVB Financial Corporate Events

MVB Financial Announces Quarterly Dividend of $0.17

On November 19, 2025, MVB Financial Corp. announced a quarterly cash dividend of $0.17 per share, payable on December 15, 2025, to shareholders of record as of December 1, 2025. This marks the fourth quarterly dividend for the year, maintaining the previous quarter’s dividend. The company highlighted the sale of Victor Technologies as a significant contributor to shareholder returns and strategic flexibility, which is expected to enhance annualized earnings per share by $0.30 to $0.35.

MVB Financial Authorizes New $10M Share Repurchase

In Q3 2025, MVB Financial Corp. reported a strategic sale of Victor Technologies, resulting in a pre-tax gain of $34.1 million and an increase in tangible book value per share by 9.7% from Q2 2025. The company also completed a $10 million share repurchase program and authorized another $10 million program in October 2025, reflecting strong insider support and a focus on enhancing shareholder value.

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.

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.