MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $304.73M
• Dividend Yield: 2.9%
• Average Volume (3M): 47.18K
• Price to Earnings (P/E): 16.1
• Beta (1Y): 0.92
• Revenue Growth: -8.20%
• EPS Growth: -22.46%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.27
• Shares Outstanding: 12,994,736
• 10 Day Avg. Volume: 53,444
• 30 Day Avg. Volume: 47,181
• PEG Ratio: 0.07
• Price to Book (P/B): 1.38
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -28.89
• Enterprise Value/Market Cap: 1.36
• Enterprise Value/Revenue: 0.53
• Enterprise Value/Gross Profit: 2.56
• Enterprise Value/Ebitda: 18.01
• 1Y Price Target: $23.00
• Price Target Upside: -0.61% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 65 Neutral
• Price Target: $25.00 ▲(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 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 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	184.91M	150.69M	146.48M	150.10M	139.75M	160.66M
Gross Profit	162.51M	150.69M	144.81M	150.10M	139.75M	160.66M
EBITDA	9.31M	30.27M	0.00	20.35M	52.78M	50.23M
Net Income	19.19M	20.09M	31.23M	15.05M	39.12M	37.41M
Balance Sheet
Total Assets	3.02B	3.13B	3.31B	3.06B	2.79B	2.33B
Cash, Cash Equivalents and Short-Term Investments	426.31M	419.52M	398.23M	420.09M	731.62M	686.32M
Total Debt	0.00	73.79M	80.33M	185.38M	73.03M	43.41M
Total Liabilities	2.71B	2.82B	3.02B	2.79B	2.51B	2.09B
Stockholders Equity	310.05M	305.68M	289.38M	261.39M	275.30M	239.48M
Cash Flow
Free Cash Flow	38.41M	-1.91M	27.40M	62.14M	29.95M	105.62M
Operating Cash Flow	38.25M	-1.14M	29.31M	65.18M	34.81M	112.23M
Investing Cash Flow	151.07M	144.46M	117.07M	-628.95M	-571.95M	-294.11M
Financing Cash Flow	-578.01M	-224.49M	211.57M	296.62M	580.68M	417.77M

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PKBK	72 Outperform	$250.25M	8.78	9.81%	3.35%	9.76%	24.43%
CHMG	67 Neutral	$247.21M	10.89	10.65%	2.54%	6.05%	-9.27%
MVBF	65 Neutral	$304.73M	16.08	6.38%	2.90%	-8.20%	-22.46%
CFFI	63 Neutral	$213.36M	9.86	9.67%	2.73%	10.36%	10.16%
INBK	63 Neutral	$243.52M	11.64	5.58%	0.86%	22.97%	27.73%
Sector *	61 Neutral	C$14.64B	6.11	21.96%	5.59%	27.38%	-22.40%
NWFL	53 Neutral	$246.79M	305.27	0.59%	4.65%	-3.66%	-95.41%

MVB Financial Corporate Events

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.