MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $355.38M
• Dividend Yield: 2.61%
• Average Volume (3M): 36.52K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.83
• 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: 0.38
• Enterprise Value/Revenue: 0.67
• Enterprise Value/Gross Profit: 1.08
• Enterprise Value/Ebitda: 2.92
• 1Y Price Target: $30.00
• Price Target Upside: 6.23% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $32.00 ▲(13.31% Upside)

The score is driven by solid technical strength and positive corporate actions (note redemption, dividend consistency, and buyback authorization), partially offset by mixed financial performance—most notably declining revenue growth and weak free cash flow growth despite continued profitability and low leverage.

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

Mixed fundamentals: profitability remains (TTM net margin 8.05%), and the balance sheet is conservatively levered (debt-to-equity 0.23), but revenue growth is negative (TTM -4.79%) and free cash flow growth declined sharply (TTM -63.15%), signaling pressure on growth and cash generation.

Income Statement

MVB Financial's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 4.79%, which is concerning. However, the company maintains a positive net profit margin of 8.05% and a gross profit margin of 57.15%. The EBIT and EBITDA margins have decreased compared to previous years, reflecting potential operational challenges. Overall, while profitability remains, the declining revenue growth and margins suggest caution.

Balance Sheet

The balance sheet of MVB Financial is relatively strong with a debt-to-equity ratio of 0.23, indicating a conservative leverage position. The return on equity (ROE) is 4.82%, which is lower than previous years, suggesting reduced efficiency in generating profits from equity. The equity ratio stands at 10.13%, reflecting a stable capital structure. Despite the lower ROE, the overall financial stability is commendable.

Cash Flow

Cash flow analysis reveals challenges, with a significant decline in free cash flow growth by 63.15% in the TTM period. 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 is strong at 98.42%, suggesting that the company is still generating cash relative to its net income. The cash flow situation requires attention to ensure liquidity and operational efficiency.

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: 28.24
• 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 28.24 is above the 20-day moving average (MA) of 27.02, above the 50-day MA of 26.91, and above the 200-day MA of 23.50, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 59.04 is Neutral, neither overbought nor oversold. The STOCH value of 62.40 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	75 Outperform	$315.63M	9.79	10.77%	3.17%	4.43%	-12.94%
MVBF	73 Outperform	$355.38M	11.50	10.19%	2.61%	-14.00%	73.85%
NECB	71 Outperform	$331.04M	7.26	13.26%	4.11%	-0.72%	-7.24%
RBB	71 Outperform	$353.55M	11.36	5.11%	2.98%	-0.70%	-19.65%
SFST	70 Outperform	$449.91M	14.69	7.65%	―	4.74%	86.27%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBFS	66 Neutral	$354.89M	17.17	6.79%	―	28.90%	31.84%

MVB Financial Corporate Events

MVB Financial Announces Full Redemption of 2030 Subordinated Notes

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 redeem the notes at 100% of the principal amount plus accrued and unpaid interest up to, but excluding, the anticipated redemption date of March 1, 2026, with holders to receive formal notice of the redemption terms and process, signaling a proactive move in managing its capital structure and outstanding debt obligations.

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 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.

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 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.