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MVBFMVB Financial Corp.
$28.62$368M
Overview & Verdict
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MVBF logoMVB Financial Corp.(MVBF)Earnings, Financials & Key Ratios

MVBF•NASDAQ•Banking & Credit
$28.62
13.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
AboutMVB 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.Show more
  • Net Interest Income$107M-1.6%
  • Total Revenue$270M+19.0%
  • Net Income$27M+34.1%
  • Return on Equity8.42%+24.7%
  • Net Interest Margin3.25%-7.0%
  • Efficiency Ratio58.03%+9.2%
  • ROA0.84%+34.2%
  • Equity / Assets10.09%+3.3%
  • Book Value per Share25.48+9.5%

MVBF Price & Volume

MVB Financial Corp. (MVBF) stock price & volume — 10-year historical chart

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Persistent Margin Compression Challenges MVBF Growth Strategy

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Regulatory BaaS compliance exposure

Key Thesis Takeaways

  • MVB Financial Corp.
  • faces a complex outlook characterized by stagnant net interest income, which has remained range-bound between $24.9 million and $31.1 million over the last ten quarters.
  • While the bank maintains a significant liquidity buffer, its reliance on specialized fintech and gaming-focused deposits creates structural margin pressure, with net interest margins consistently compressed between 0.8% and 0.9%.
  • Investors should monitor the volatility in non-interest income and the recent spike in loan loss provisions to $4.4 million in 2025Q3, which suggests heightened sensitivity to credit and regulatory risks.

Verdict Logic

the bank's current valuation of 1.14x price-to-book and inconsistent earnings growth, highlighted by a 1.6% ROE in 2026Q1, warrant a cautious approach until operational efficiency improves beyond the 53.1% efficiency ratio.

MVBF Growth Metrics

MVB Financial Corp. (MVBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.55%
5 Years16.01%
3 Years21.08%
TTM-

Profit CAGR

10 Years14.73%
5 Years-6.36%
3 Years21.43%
TTM48.79%

EPS CAGR

10 Years10.34%
5 Years-7.61%
3 Years20.75%
TTM49.32%

Return on Capital

10 Years6.97%
5 Years7.99%
3 Years7%
Last Year8.23%

MVBF Recent Earnings

MVB Financial Corp. (MVBF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$0.39+5.4%
$0.37
Rev
$37M-2.8%
$38M
Q1 2026
Feb 12, 2026
Metric
Actual
Est
EPS
$0.32+3.2%
$0.31
Rev
$39M+11.2%
$35M
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$0.24-182.8%
$0.29
Rev
$42M+20.5%
$35M
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$0.15-51.6%
$0.31
Rev
$32M-8.3%
$35M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.39vs $0.37+5.4%
$37Mvs $38M-2.8%
Q1 2026Feb 12, 2026
$0.32vs $0.31+3.2%
$39Mvs $35M+11.2%
Q4 2025Oct 29, 2025
$0.24vs $0.29-182.8%
$42Mvs $35M+20.5%
Q3 2025Jul 28, 2025
$0.15vs $0.31-51.6%
$32Mvs $35M-8.3%
Based on last 12 quarters of dataView full earnings history →

Latest MVBF News

Recent stock market news and headlines for MVB Financial Corp. (MVBF)

Business Wire·Jun 23, 2026
M&G Financial and BT Valuation Announce Strategic Combination to Expand Middle-Market Advisory Platform

FRISCO, Texas--(BUSINESS WIRE)-- #FractionalCFO--M&G Financial (“M&G”), a strategic finance and fractional CFO firm, and BT Valuation (“BT”), an independent business valuation firm, today announced the strategic combination of their organizations. The combined firm will operate under the M&G Financial brand with Jeffrey Brewster joining M&G as a Partner of Valuation Services. This combination enhances M&G's capabilities and expands its strategic finance platform, allowing the firm to provide.

Peers Comparison

Key metrics vs top competitors for MVB Financial Corp. (MVBF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
MVBF logoMVBFMVB Financial Corp.Current
$28.62$367.76M13.8918.96%9.96%8.42%2.32%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
UVSP logoUVSPUnivest Financial Corporation
$43.69$1.22B13.833.58%18.28%10.19%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
CHMG logoCHMGChemung Financial Corporation
$74.33$358.26M23.75-6.46%12.83%7.33%—

Compare MVBF vs Peers

MVB Financial Corp. (MVBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for MVBF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare MVBF against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, NBTB, UVSP, CZWI

MVBF SEC Filings & Documents

MVB Financial Corp. (MVBF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 20, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 29, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 6, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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MVBF Frequently Asked Questions

MVB Financial Corp. (MVBF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is MVB Financial Corp. growing?

MVB Financial Corp. (MVBF) grew revenue by 19.0% over the past year. This is strong growth.

Is MVBF profitable?

Yes, MVB Financial Corp. (MVBF) is profitable, generating $28.5M in net income for fiscal year 2025 (10.0% net margin).

Dividend & Returns
Does MVBF pay dividends?

Yes, MVB Financial Corp. (MVBF) pays a dividend with a yield of 2.32%. This makes it attractive for income-focused investors.

What is MVBF's return on equity?

MVB Financial Corp. (MVBF) has a return on equity (ROE) of 8.4%. This is below average, suggesting room for improvement.

Industry Metrics
What is MVB Financial Corp.'s net interest margin?

MVB Financial Corp. (MVBF) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is MVB Financial Corp.'s efficiency ratio?

MVB Financial Corp. (MVBF) has an efficiency ratio of 58.0%. This is reasonable for a bank.

What if you invested $1,000 in MVBF back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →