MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $306.94M
• Dividend Yield: 2.88%
• Average Volume (3M): 71.11K
• Price to Earnings (P/E): 16.2
• Beta (1Y): 0.91
• Revenue Growth: -10.47%
• EPS Growth: -16.98%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 12,994,736
• 10 Day Avg. Volume: 121,825
• 30 Day Avg. Volume: 71,115
• PEG Ratio: -3.52
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.98
• Enterprise Value/Market Cap: 0.42
• Enterprise Value/Revenue: 0.15
• Enterprise Value/Gross Profit: 0.91
• Enterprise Value/Ebitda: 1.11
• 1Y Price Target: $25.33
• Price Target Upside: 8.53% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 76 Outperform
• Price Target: $26.00 ▲(11.40%Upside)

MVB Financial demonstrates strong financial fundamentals and positive corporate developments. Although valuation is moderate, technical indicators show a favorable trend. The absence of earnings call data does not detract significantly from the overall positive outlook.

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 a combination of interest income, non-interest income, and fee-based services. Interest income is primarily derived from loans and advances to customers, including personal, commercial, and mortgage loans. Non-interest income includes fees and service charges from banking operations, such as account maintenance, overdraft fees, and transaction charges. The company also earns revenue from wealth management services through advisory fees and asset management. Additionally, MVB Financial has strategic partnerships in the fintech sector, which contribute to its earnings by offering innovative digital banking and payment solutions that attract a broader customer base.

MVB Financial Financial Statement Overview

Summary

MVB Financial demonstrates strong financial performance with solid profitability metrics, supported by a stable balance sheet. The company's cash flow is robust, emphasizing financial flexibility. Despite a slight decline in revenue growth, the firm maintains healthy margins and operational efficiency.

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

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 23.34
• 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 Neutral. The current price of 23.34 is below the 20-day moving average (MA) of 23.65, above the 50-day MA of 21.40, and above the 200-day MA of 19.51, indicating a neutral trend. The MACD of 0.75 indicates Positive momentum. The RSI at 54.50 is Neutral, neither overbought nor oversold. The STOCH value of 31.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MVBF.

MVB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RBB	79 Outperform	$335.46M	14.65	4.47%	3.38%	-0.13%	-32.16%
MVBF	76 Outperform	$306.94M	16.20	5.71%	2.88%	-10.47%	-16.98%
NECB	75 Outperform	$309.92M	6.60	14.25%	3.85%	4.02%	-0.62%
PBFS	73 Outperform	$319.03M	17.61	6.04%	―	16.29%	-12.22%
FSBW	73 Outperform	$310.36M	9.58	11.35%	2.73%	5.13%	-6.84%
SFST	73 Outperform	$362.45M	16.46	6.58%	―	4.79%	58.67%
Sector *	58 Neutral	HK$92.81B	5.81	-3.20%	4.80%	5.50%	-56.25%

MVB Financial Corporate Events

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.

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.

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 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.

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.

MVB Financial’s Strategic Focus at Shareholder Meeting

At the 2025 Annual Meeting of Shareholders scheduled for May 20, MVB Financial Corp.’s CEO, Larry F. Mazza, will present the company’s strategic initiatives and financial performance. The presentation will highlight MVB’s significant growth in payment revenue and deposit base, alongside its fintech banking expansion. The company has maintained top-tier asset quality and a strong capital position, reflecting its strategic focus on fintech partnerships and tech-forward banking 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.

MVB Financial Reports Strong Q1 2025 Performance

MVB Financial Corp. has released its Q1 2025 financial highlights, reporting a 20 basis point increase in net interest margin to 3.63% and a 7.1% rise in net interest income from the previous quarter. The company also saw a decrease in noninterest expenses by 14.6% and an increase in book value per share by 1.4%. The leadership’s confidence in the company’s prospects is demonstrated by insider stock purchases in March 2025, including significant acquisitions by key executives.

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.

MVB Financial Highlights Growth in Investor Presentation

MVB Financial Corp. presented its investor presentation on May 9, 2025, highlighting significant growth and strategic shifts in its operations. The company reported a 117.7% increase in noninterest income for 2024, along with a 4.1% and 4.2% rise in book value per share and tangible book value, respectively. MVB exited the digital asset space and invested $22 million in risk and compliance infrastructure, reflecting its commitment to operational excellence and strategic realignment. The board of directors saw new appointments, enhancing its oversight capabilities with experienced professionals in the fintech and financial sectors.