MVB Financial Financials

MVBF Stock  USD 21.51  0.78  3.50%   
Based on the analysis of MVB Financial's profitability, liquidity, and operating efficiency, MVB Financial Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, MVB Financial's Total Stockholder Equity is most likely to increase significantly in the upcoming years. The MVB Financial's current Retained Earnings is estimated to increase to about 168.9 M, while Net Debt is forecasted to increase to (302 M). Key indicators impacting MVB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.320.2157
Way Up
Pretty Stable
Return On Assets0.00560.0094
Way Down
Slightly volatile
Return On Equity0.05880.1079
Way Down
Slightly volatile
Debt Equity Ratio0.260.2776
Notably Down
Slightly volatile
Operating Income44.2 M42.1 M
Sufficiently Up
Slightly volatile
Current Ratio13.3914.1
Notably Down
Slightly volatile
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

10.44 Million

  
Understanding current and past MVB Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of MVB Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in MVB Financial's assets may result in an increase in income on the income statement.

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

201920202021202220232024 (projected)
Total Assets1.9B2.3B2.8B3.1B3.3B3.5B
Net Debt182.3M(232.3M)(237.1M)145.1M(317.9M)(302.0M)
Retained Earnings72.5M105.2M138.2M144.9M160.9M168.9M
Cash40.6M275.7M310.2M40.3M398.2M418.1M
Other Assets1.3B1.1B1.5B2.1B2.4B2.5B
Net Receivables49.7M69.9M63.2M89.3M2.3B2.4B
Total Liab1.7B2.1B2.5B2.8B3.0B3.2B
Total Current Assets326.0M756.2M794.8M509.4M398.2M547.2M
Common Stock12.0M12.4M12.9M13.5M13.6M7.2M
Short Term Debt12.1M12.0M13.4M11.7M6.6M6.3M
Other Liab25.8M66.2M62.4M24.0M27.6M16.9M
Accounts Payable41.7M55.9M55.1M41.6M37.4M63.5M
Long Term Debt227.0M43.4M73.0M185.4M80.3M79.7M
Inventory(96.4M)(289.2M)(320.3M)(54.1M)(1.9B)(1.8B)
Intangible Assets3.5M2.4M2.3M1.6M1.8M2.4M
Other Current Liab(41.7M)(55.9M)(55.1M)(71.4M)2.2B2.3B
Other Current Assets96.4M289.2M320.3M54.1M414.3M485.6M
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

201920202021202220232024 (projected)
Interest Expense23.0M11.6M6.3M14.2M66.5M69.9M
Total Revenue124.0M160.7M139.8M150.1M144.8M152.0M
Gross Profit124.0M160.7M139.8M150.1M144.8M152.0M
Operating Income35.4M46.9M49.0M28.0M42.1M44.2M
Ebit35.4M46.9M48.6M15.0M4.0M3.8M
Ebitda38.7M50.2M52.8M20.4M9.0M8.6M
Income Before Tax35.0M46.9M48.6M18.5M27.3M28.7M
Net Income27.0M37.4M39.1M15.0M19.4M10.4M
Income Tax Expense8.5M9.5M9.9M4.1M5.1M3.1M
Tax Provision8.5M9.5M9.9M4.1M6.2M6.5M
Net Interest Income59.4M68.8M77.2M111.8M125.6M75.4M
Interest Income82.4M80.5M83.4M126.0M180.8M95.0M

MVB Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash5.8M235.9M43.5M(267.2M)357.9M375.8M
Free Cash Flow(10.1M)105.6M30.0M62.1M27.4M28.8M
Depreciation3.3M3.4M4.3M5.3M5.0M5.3M
Other Non Cash Items(24.6M)81.1M(18.7M)60.7M3.6M6.4M
Capital Expenditures2.0M6.6M4.9M3.0M1.9M3.0M
Net Income27.0M37.4M38.7M14.4M22.5M23.6M
End Period Cash Flow28.0M263.9M307.4M40.3M398.2M418.1M
Dividends Paid2.8M4.7M6.1M8.4M8.6M9.1M
Investments(120.7M)(231.4M)(485.5M)(623.3M)143.6M150.8M
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.
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  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for MVB Financial Corp is roughly  11.85 . 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.
The output start index for this execution was four with a total number of output elements of fifty-seven. 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.
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

0.0616

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

MVB Financial November 27, 2024 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.
Investing Opportunities
Build portfolios using our predefined set of ideas and optimize them against your investing preferences
AI Portfolio Architect
Use AI to generate optimal portfolios and find profitable investment opportunities
Risk-Return Analysis
View associations between returns expected from investment and the risk you assume
Portfolio Holdings
Check your current holdings and cash postion to detemine if your portfolio needs rebalancing
Portfolio Volatility
Check portfolio volatility and analyze historical return density to properly model market risk