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MVB Financial (MVBF)
NASDAQ:MVBF

MVB Financial (MVBF) AI Stock Analysis

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MVB Financial

(NASDAQ:MVBF)

Rating:65Neutral
Price Target:
$25.00
â–²(8.04%Upside)
MVB Financial's overall stock score is driven by its solid financial performance and strategic corporate actions. While technical indicators suggest potential short-term volatility, the company's valuation and corporate strategy enhance its long-term investment appeal.

MVB Financial (MVBF) vs. SPDR S&P 500 ETF (SPY)

MVB Financial Business Overview & Revenue Model

Company DescriptionMVB 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 MoneyMVB 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 is facing significant financial challenges, with a drastic decline in revenue and profitability in 2024. The balance sheet remains robust with strong liquidity and no debt, but operational losses are impacting equity. Cash flows show reduced but still positive cash generation. The company needs strategic adjustments to restore revenue growth and profitability.
Income Statement
25
Negative
The income statement shows a troubling trend with a significant decrease in total revenue from $146.5 million in 2023 to $0 in 2024. Net income also turned negative, dropping to -$154,000 in 2024 from $31.2 million in 2023, indicating a severe decline in profitability. These factors contribute to a low score due to the lack of revenue and profitability.
Balance Sheet
60
Neutral
The balance sheet highlights a strong liquidity position with cash and short-term investments at $419.5 million in 2024. The company has no debt, leading to a favorable debt-to-equity ratio. However, the decline in stockholders' equity from the previous year due to the net loss poses a risk. Overall, the balance sheet is stable but impacted by recent operational losses.
Cash Flow
55
Neutral
Cash flow analysis indicates a reduction in operating cash flow from $29.3 million in 2023 to $20.1 million in 2024. Despite this, the company maintained a positive free cash flow due to negligible capital expenditures. The operating cash flow to net income ratio shows resilience in cash generation despite the negative net income. Cash flow stability is moderate but challenged by declining cash from operations.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue184.91M150.69M146.48M150.10M139.75M160.66M
Gross Profit162.51M150.69M144.81M150.10M139.75M160.66M
EBITDA9.31M30.27M0.0020.35M52.78M50.23M
Net Income19.19M20.09M31.23M15.05M39.12M37.41M
Balance Sheet
Total Assets3.02B3.13B3.31B3.06B2.79B2.33B
Cash, Cash Equivalents and Short-Term Investments426.31M419.52M398.23M420.09M731.62M686.32M
Total Debt0.0073.79M80.33M185.38M73.03M43.41M
Total Liabilities2.71B2.82B3.02B2.79B2.51B2.09B
Stockholders Equity310.05M305.68M289.38M261.39M275.30M239.48M
Cash Flow
Free Cash Flow38.41M-1.91M27.40M62.14M29.95M105.62M
Operating Cash Flow38.25M-1.14M29.31M65.18M34.81M112.23M
Investing Cash Flow151.07M144.46M117.07M-628.95M-571.95M-294.11M
Financing Cash Flow-578.01M-224.49M211.57M296.62M580.68M417.77M

MVB Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price23.14
Price Trends
50DMA
19.49
Positive
100DMA
18.45
Positive
200DMA
19.14
Positive
Market Momentum
MACD
1.10
Negative
RSI
78.29
Negative
STOCH
90.03
Negative
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 23.14 is above the 20-day moving average (MA) of 21.31, above the 50-day MA of 19.49, and above the 200-day MA of 19.14, indicating a bullish trend. The MACD of 1.10 indicates Negative momentum. The RSI at 78.29 is Negative, neither overbought nor oversold. The STOCH value of 90.03 is Negative, 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 35 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$250.25M8.789.81%3.35%9.76%24.43%
67
Neutral
$247.21M10.8910.65%2.54%6.05%-9.27%
65
Neutral
$304.73M16.086.38%2.90%-8.20%-22.46%
63
Neutral
$213.36M9.869.67%2.73%10.36%10.16%
63
Neutral
$243.52M11.645.58%0.86%22.97%27.73%
61
Neutral
C$14.64B6.1121.96%5.59%27.38%-22.40%
53
Neutral
$246.79M305.270.59%4.65%-3.66%-95.41%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
MVBF
MVB Financial
23.14
4.39
23.41%
CFFI
C&F Financial
65.87
22.50
51.88%
NWFL
Norwood Financial
26.47
2.75
11.59%
PKBK
Parke Bancorp
21.13
5.52
35.36%
CHMG
Chemung Financial
51.60
8.46
19.61%
INBK
First Internet Bancorp
27.33
-1.31
-4.57%

MVB Financial Corporate Events

Shareholder MeetingsDividendsBusiness Operations and Strategy
MVB Financial Holds 27th Annual Shareholder Meeting
Positive
May 21, 2025

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.

Shareholder MeetingsBusiness Operations and StrategyFinancial Disclosures
MVB Financial’s Strategic Focus at Shareholder Meeting
Positive
May 20, 2025

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.

Financial Disclosures
MVB Financial Reports Strong Q1 2025 Performance
Positive
May 15, 2025

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.

Executive/Board ChangesBusiness Operations and StrategyFinancial Disclosures
MVB Financial Highlights Growth in Investor Presentation
Positive
May 9, 2025

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.

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.Date of analysis: Jul 01, 2025