MVB Financial (MVBF)
NASDAQ:MVBF
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MVB Financial
(NASDAQ:MVBF)
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Rating:65Neutral
Price Target:
$28.00
â–²(6.18% Upside)
Action:ReiteratedDate:04/09/26
Overall score reflects solid fundamental momentum and balance-sheet improvement but is held back by uneven cash flow conversion. Valuation is supportive (moderate P/E and healthy yield), while technicals are mixed with weak MACD and price below key medium-term averages. Corporate updates are mostly positive, tempered by a governance-related director resignation.
Positive Factors
Revenue Re-acceleration
A sharp 33.4% top-line rebound in 2025 signals durable demand and improving product/partner traction. Sustained revenue acceleration supports scale economics, underpins margin recovery potential, and provides a base to fund fintech investments and loan growth over the next several quarters.
Negative Factors
Volatile Cash Conversion
Sharp swings in operating cash flow and light free cash flow versus reported net income indicate inconsistent cash conversion. This reduces internal funding for growth, dividends, and buybacks, raising reliance on external liquidity and making capital allocation riskier over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Re-acceleration
A sharp 33.4% top-line rebound in 2025 signals durable demand and improving product/partner traction. Sustained revenue acceleration supports scale economics, underpins margin recovery potential, and provides a base to fund fintech investments and loan growth over the next several quarters.
Read all positive factors
MVB Financial (MVBF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$338.72M
Dividend Yield2.61%
Average Volume (3M)36.52K
Price to Earnings (P/E)12.2
Beta (1Y)0.93
Revenue Growth-14.00%
EPS Growth73.85%
CountryUS
Employees453
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.32
Shares Outstanding12,844,813
10 Day Avg. Volume45,209
30 Day Avg. Volume36,520
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.99
Price to Sales (P/S)1.22
P/FCF Ratio156.17
Enterprise Value/Market Cap0.58
Enterprise Value/Revenue1.01
Enterprise Value/Gross Profit1.66
Enterprise Value/Ebitda5.08
Forecast
1Y Price Target
$32.50Price Target Upside23.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.86
Revenue Forecast (FY)$157.59M
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 Financ...
How the Company Makes Money
MVB Financial makes money primarily through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on loans and other interest-earning assets a...
MVB Financial Key Performance Indicators (KPIs)
MVB Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 270.44M | 227.33M | 213.02M | 152.36M | 111.07M |
| Gross Profit | 193.79M | 147.15M | 148.40M | 124.01M | 111.08M |
| EBITDA | 36.85M | 30.27M | 32.30M | 20.35M | 51.68M |
| Net Income | 26.94M | 20.09M | 31.23M | 15.05M | 39.12M |
Balance Sheet | |||||
| Total Assets | 3.31B | 3.13B | 3.31B | 3.06B | 2.79B |
| Cash, Cash Equivalents and Short-Term Investments | 654.63M | 729.55M | 743.50M | 420.09M | 731.62M |
| Total Debt | 103.49M | 76.55M | 85.15M | 195.42M | 84.42M |
| Total Liabilities | 2.97B | 2.82B | 3.02B | 2.79B | 2.51B |
| Stockholders Equity | 333.97M | 305.68M | 289.38M | 261.39M | 275.30M |
Cash Flow | |||||
| Free Cash Flow | 2.11M | -1.91M | 56.32M | 4.31M | 29.95M |
| Operating Cash Flow | 4.03M | -285.00K | 58.23M | 7.35M | 34.81M |
| Investing Cash Flow | -208.60M | 144.46M | 88.25M | -571.13M | -571.95M |
| Financing Cash Flow | 130.78M | -224.49M | 211.57M | 296.62M | 580.68M |
MVB Financial Technical Analysis
Positive
26.37
Price Trends
26.55
Negative
26.60
Negative
25.35
Positive
Market Momentum
-0.02
Negative
55.96
Neutral
90.29
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 26.37 is above the 20-day moving average (MA) of 25.28, below the 50-day MA of 26.55, and above the 200-day MA of 25.35, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 55.96 is Neutral, neither overbought nor oversold. The STOCH value of 90.29 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $350.14M | 6.95 | 13.07% | 4.11% | -0.72% | -7.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $480.78M | 10.51 | 8.63% | ― | 4.74% | 86.27% | |
66 Neutral | $386.21M | 8.64 | 6.19% | 2.98% | -0.70% | -19.65% | |
65 Neutral | $338.72M | 12.25 | 8.46% | 2.61% | -14.00% | 73.85% | |
60 Neutral | $361.36M | 21.68 | 6.48% | ― | 28.90% | 31.84% | |
56 Neutral | $304.94M | 9.28 | 10.77% | 3.17% | 4.43% | -12.94% |
* Financial Sector Average
MVBF
MVB Financial
26.37
10.96
71.12%
NECB
Northeast Community Bancorp
25.31
4.86
23.80%
SFST
Southern First Bancshares
58.41
27.80
90.82%
FSBW
FS Bancorp
40.65
3.58
9.65%
RBB
Rbb Bancorp
22.63
7.89
53.50%
PBFS
Pioneer Bancorp
14.41
3.21
28.66%
MVB Financial Corporate Events
Business Operations and Strategy
MVB Financial Showcases Fintech Strategy at Centri Conference
Positive
Apr 8, 2026
MVB Financial Corp., parent of MVB Bank, is an innovation-oriented banking company that supports fintech firms with services spanning payments, card issuance, sponsorship lending and online gaming, alongside its traditional retail and commercial b...
Business Operations and StrategyExecutive/Board Changes
MVB Financial Appoints Michael Giorgio as New Chief Operating Officer
Positive
Apr 8, 2026
MVB Financial Corp. announced that on April 1, 2026, Michael L. Giorgio assumed the role of Chief Operating Officer of both the company and its subsidiary MVB Bank, Inc., while retaining his existing position as Chief Information Officer. The comp...
Business Operations and StrategyExecutive/Board Changes
MVB Financial Names CIO Mike Giorgio as Chief Operating Officer
Positive
Apr 1, 2026
On April 1, 2026, MVB Financial Corp. announced that Michael “Mike” L. Giorgio, Executive Vice President and Chief Information Officer since 2023, was also named Chief Operating Officer, formalizing operational duties he had already as...
Business Operations and StrategyFinancial Disclosures
MVB Financial Highlights Fintech-Focused Growth Strategy in Update
Positive
Mar 25, 2026
MVB Financial Corp. released an updated investor presentation for use in investor meetings, outlining its evolution from a community bank into a differentiated fintech-focused institution with $3.3 billion in assets, $2.8 billion in deposits and a...
Business Operations and StrategyExecutive/Board Changes
MVB Financial Director Resigns Over Governance and Strategy Concerns
Negative
Mar 4, 2026
On February 26, 2026, director Glen W. Herrick resigned from the boards of MVB Financial Corp. and MVB Bank, Inc., where he served as chair of the audit committee and a member of the finance committee, citing concerns over corporate governance, ex...
Business Operations and StrategyPrivate Placements and Financing
MVB Financial Redeems 2030 Subordinated Notes, Refinances Capital
Positive
Mar 3, 2026
On March 2, 2026, MVB Financial Corp. redeemed the entire $40 million principal amount of its 4.25% fixed-to-floating rate subordinated notes due 2030, which were structured to qualify as Tier 2 regulatory capital. At the time of redemption, the n...
Business Operations and StrategyPrivate Placements and Financing
MVB Financial Secures New $20 Million Credit Facility
Positive
Feb 26, 2026
On February 24, 2026, MVB Financial Corp. entered into a $20 million senior revolving credit agreement with Raymond James Bank to fund general corporate purposes and refinance existing subordinated debt. The three-year facility can be prepaid with...
Business Operations and StrategyExecutive/Board ChangesDividends
MVB Financial Declares Dividend and Appoints New Chairman
Positive
Feb 18, 2026
On February 18, 2026, MVB Financial Corp. announced that its board declared a quarterly cash dividend of $0.17 per share, payable on March 15, 2026, to shareholders of record as of March 1, 2026, maintaining the payout level from the prior quarter...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
MVB Financial Highlights Q4 Growth in Core and Fintech
Positive
Feb 13, 2026
MVB Financial reported key fourth-quarter 2025 operating metrics highlighting momentum in both its core bank and fintech-focused businesses, including a 6.5% increase in fully tax-equivalent net interest income and a 16-basis-point rise in net int...
Business Operations and Strategy
MVB Financial Announces Full Redemption of 2030 Subordinated Notes
Positive
Jan 28, 2026
On January 28, 2026, MVB Financial Corp., the holding company for MVB Bank Inc., announced its intention to redeem all $40 million aggregate principal amount of its 4.25% Fixed-to-Floating Rate Subordinated Notes due 2030. The company plans to red...
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.