MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $331.01M
• Dividend Yield: 2.65%
• Average Volume (3M): 36.52K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.88
• 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: 12,731,325
• 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: 1.10
• Enterprise Value/Revenue: 1.80
• Enterprise Value/Gross Profit: 2.87
• Enterprise Value/Ebitda: 7.81
• 1Y Price Target: $31.67
• Price Target Upside: 21.57% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $28.00 ▲(7.49% Upside)

MVB Financial's overall stock score is primarily influenced by its mixed financial performance, with profitability but declining growth and liquidity challenges. Technical analysis indicates weak momentum, while the valuation is reasonable with an attractive dividend yield. The absence of earnings call data and notable corporate events limits additional insights.

Positive Factors

Fintech Expansion

The successful sale of Victor Technologies validates MVB's fintech strategy, enhancing its reputation and potential for future fintech ventures.

Balance Sheet Strength

A strong balance sheet with low leverage provides MVB Financial with stability and flexibility to pursue growth opportunities.

Strategic Repositioning

Strategic repositioning of the securities portfolio and cost efficiencies improve financial performance and support long-term growth.

Negative Factors

Declining Revenue Growth

Declining revenue growth suggests challenges in maintaining market share and expanding business operations, potentially impacting future profitability.

Cash Flow Challenges

Declining free cash flow growth indicates potential liquidity issues, which could limit MVB's ability to invest in growth initiatives.

Decreased ROE

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

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: 26.05
• 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 26.05 is below the 20-day moving average (MA) of 26.19, above the 50-day MA of 25.82, and above the 200-day MA of 21.47, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 50.71 is Neutral, neither overbought nor oversold. The STOCH value of 38.16 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
FSBW	74 Outperform	$288.43M	9.27	10.77%	3.34%	4.43%	-12.94%
PBFS	73 Outperform	$332.12M	15.90	6.79%	―	28.90%	31.84%
NECB	71 Outperform	$285.73M	6.21	13.63%	4.66%	-0.72%	-7.24%
RBB	69 Neutral	$331.90M	13.10	5.11%	3.29%	-0.70%	-19.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	67 Neutral	$363.76M	13.77	7.65%	―	4.74%	86.27%
MVBF	66 Neutral	$331.01M	10.57	10.19%	2.65%	-14.00%	73.85%

MVB Financial Corporate Events

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.

The most recent analyst rating on (MVBF) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on MVB Financial stock, see the MVBF Stock Forecast page.

MVB Financial Reports Strong Q3 2025 Results

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

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.