MVB Financial Financials

MVBF Stock  USD 18.49  0.10  0.54%   
MVB Financial Corp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in April. At this time, MVB Financial's Total Stockholder Equity is most likely to increase significantly in the upcoming years. The MVB Financial's current Property Plant And Equipment Net is estimated to increase to about 40.8 M, while Other Assets are projected to decrease to roughly 4.2 M. Key indicators impacting MVB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.320.25
Significantly Up
Pretty Stable
Return On Assets0.00560.0085
Way Down
Slightly volatile
Return On Equity0.05880.0971
Way Down
Slightly volatile
Debt Equity Ratio0.30.32
Notably Down
Slightly volatile
Operating Income50.9 M48.4 M
Sufficiently Up
Slightly volatile
Current Ratio158150
Sufficiently Up
Pretty Stable
The financial analysis of MVB Financial is a critical element in measuring its lifeblood. Investors should not minimize MVB Financial's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

37.71 Million

12.27.37.39.15.31.35.37.125%39%5%-62%108%15%5%100%
  

MVB Financial Stock Summary

MVB Financial competes with Community West, First Financial, CF Bankshares, Home Federal, and First Community. MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia. MVB Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 458 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS5538101024
CUSIP553810102
LocationWest Virginia; U.S.A
Business Address301 Virginia Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.mvbbanking.com
Phone304 363 4800
CurrencyUSD - US Dollar

MVB Financial Key Financial Ratios

MVB Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.3B2.8B3.1B3.3B3.8B4.0B
Net Debt(232.3M)(237.1M)145.1M(317.9M)(286.1M)(271.8M)
Retained Earnings105.2M138.2M144.9M160.9M185.0M194.2M
Cash275.7M310.2M40.3M398.2M458.0M480.9M
Other Assets1.1B1.5B2.1B3.8M4.4M4.2M
Net Receivables69.9M63.2M89.3M2.3B2.6B2.8B
Total Liab2.1B2.5B2.8B3.0B3.5B3.7B
Total Current Assets756.2M794.8M509.4M398.2M458.0M547.2M
Common Stock12.4M12.9M13.5M13.6M15.6M16.4M
Short Term Debt12.0M13.4M11.7M6.6M6.0M5.7M
Other Liab25.8M66.2M62.4M24.0M27.6M16.9M
Accounts Payable41.7M55.9M55.1M41.6M37.4M63.5M
Long Term Debt43.4M73.0M185.4M80.3M92.4M79.7M
Good Will19.6M2.4M4.0M2.8M3.3M3.1M
Inventory(289.2M)(320.3M)(54.1M)(1.9B)(1.7B)(1.6B)
Intangible Assets2.4M2.3M1.6M1.8M1.6M2.4M
Other Current Liab(55.9M)(55.1M)(71.4M)2.4M2.1M2.3M
Other Current Assets289.2M320.3M54.1M414.3M372.9M485.6M
Net Tangible Assets185.0M229.8M271.3M257.1M295.7M181.0M
Long Term Debt Total4.1M43.4M73.0M83.1M95.5M100.3M
Capital Surpluse122.5M129.1M143.5M157.2M180.7M123.4M

MVB Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense11.6M6.3M14.2M66.5M76.5M80.3M
Total Revenue160.7M139.8M150.1M146.5M168.5M176.9M
Gross Profit160.7M139.8M150.1M144.8M166.5M174.9M
Operating Income46.9M49.0M28.0M42.1M48.4M50.9M
Ebit46.9M48.6M15.0M4.0M4.6M4.4M
Ebitda50.2M52.8M20.4M9.0M10.4M20.0M
Income Before Tax46.9M48.6M18.5M27.3M31.4M33.0M
Net Income37.4M39.1M15.0M31.2M35.9M37.7M
Income Tax Expense9.5M9.9M4.1M5.1M5.8M3.1M
Tax Provision9.5M9.9M4.1M6.2M7.1M6.5M
Net Interest Income68.8M77.2M111.8M125.6M144.5M75.4M
Interest Income80.5M83.4M126.0M180.8M207.9M218.3M

MVB Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash235.9M43.5M(267.2M)357.9M411.6M432.2M
Free Cash Flow105.6M30.0M62.1M27.4M31.5M33.1M
Depreciation3.4M4.3M5.3M5.0M5.8M6.0M
Other Non Cash Items81.1M(18.7M)60.7M(4.9M)(5.7M)(5.4M)
Capital Expenditures6.6M4.9M3.0M1.9M2.2M3.0M
Net Income37.4M38.7M14.4M31.0M35.7M37.4M
End Period Cash Flow263.9M307.4M40.3M398.2M458.0M480.9M
Dividends Paid4.7M6.1M8.4M(8.6M)(9.9M)(9.4M)
Investments(231.4M)(485.5M)(623.3M)143.6M129.2M135.7M
Net Borrowings54.4M(623K)567K8.5M9.8M7.4M
Change To Netincome15.4M132.4M(10.5M)59.3M68.2M71.6M

MVB Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining MVB Financial's current stock value. Our valuation model uses many indicators to compare MVB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across MVB Financial competition to find correlations between indicators driving MVB Financial's intrinsic value. More Info.
JavaScript chart by amCharts 3.21.15FCAPFCCOCIVBCFBKFNWDHFBLMVBF -0.05-0.04-0.03-0.02-0.0100.01 -0.0500.050.100.15
MVB Financial Corp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for MVB Financial Corp is roughly  10.79 . At this time, MVB Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value MVB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

MVB Financial Corp Systematic Risk

MVB Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. MVB Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on MVB Financial Corp correlated with the market. If Beta is less than 0 MVB Financial generally moves in the opposite direction as compared to the market. If MVB Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one MVB Financial Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of MVB Financial is generally in the same direction as the market. If Beta > 1 MVB Financial moves generally in the same direction as, but more than the movement of the benchmark.
JavaScript chart by amCharts 3.21.15Dec2025FebJan 20Jan 27FebFeb 10Feb 17Feb 2418.519.019.520.020.5 15K20K25K30K35K40K45K50K 43.5K44K44.5K Show all
JavaScript chart by amCharts 3.21.15MVB Financial Corp Volume MVB Financial Corp Closing Prices Dow Jones Industrial Closing Prices - Benchmark MVB Financial Corp Beta

MVB Financial Thematic Clasifications

MVB Financial Corp is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in MVB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various MVB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of MVB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0706

At this time, MVB Financial's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

MVB Financial March 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of MVB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of MVB Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of MVB Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing MVB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build MVB Financial's daily price indicators and compare them against related drivers.

Complementary Tools for MVB Stock analysis

When running MVB Financial's price analysis, check to measure MVB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy MVB Financial is operating at the current time. Most of MVB Financial's value examination focuses on studying past and present price action to predict the probability of MVB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move MVB Financial's price. Additionally, you may evaluate how the addition of MVB Financial to your portfolios can decrease your overall portfolio volatility.
Latest Portfolios
Quick portfolio dashboard that showcases your latest portfolios
Fundamentals Comparison
Compare fundamentals across multiple equities to find investing opportunities