MVB Financial Corp. (MVBF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 28.45M | 28.38M | 26.57M | 25.78M | 26.68M | 24.9M | 26.59M | 27.57M | 30.14M | 31.11M | 29.86M | 29.58M | 32.73M | 33.45M | 29.85M | 26.66M | 21.85M | 21.5M | 19.1M | 19.05M |
| NII Growth % | 6.66% | 13.95% | -0.05% | -6.49% | -11.49% | -19.94% | -10.98% | -6.8% | -7.91% | -7% | 0.06% | 10.96% | 49.8% | 55.55% | 56.29% | 39.91% | 24.81% | 18.23% | 19.28% | 3.23% |
| Net Interest Margin % | 0.86% | 0.86% | 0.82% | 0.8% | 0.88% | 0.8% | 0.78% | 0.84% | 0.85% | 0.94% | 0.87% | 0.88% | 0.92% | 1.09% | 0.95% | 0.89% | 0.76% | 0.77% | 0.68% | 0.7% |
| Interest Income | 44.77M | 45.49M | 44.22M | 42.38M | 43.23M | 43.06M | 46.63M | 46.13M | 50.03M | 49.7M | 48.33M | 47.03M | 44.76M | 40.7M | 33.9M | 28.09M | 23.26M | 23.05M | 20.48M | 20.83M |
| Interest Expense | 16.32M | 17.11M | 17.65M | 16.6M | 16.55M | 18.15M | 20.04M | 18.56M | 19.89M | 18.59M | 18.46M | 17.45M | 12.03M | 7.25M | 4.06M | 1.43M | 1.41M | 1.55M | 1.39M | 1.78M |
| Loan Loss Provision | 1.85M | 2.14M | 4.43M | 1.99M | 177K | 331K | 959K | 254K | 2M | -2.1M | -159K | -4.24M | 4.58M | 2.69M | 5.12M | 5.1M | 1.28M | -5.73M | 380K | -1.54M |
| Non-Interest Income | 8.21M | 10.86M | -1.87M | 5.63M | 6.1M | 19.96M | 5.91M | 6.67M | 9.01M | 6.87M | 6.54M | 5.53M | 4.26M | 7.7M | 6.49M | 8.76M | 6.34M | 11.69M | 7.59M | 9.12M |
| Non-Interest Income % | 15.49% | 19.27% | -4.41% | 11.73% | 12.36% | 31.67% | 11.25% | 12.63% | 15.26% | 12.14% | 11.92% | 10.52% | 8.69% | 15.91% | 16.06% | 23.78% | 21.41% | 33.64% | 27.05% | 30.44% |
| Total Revenue | 52.98M | 56.35M | 42.35M | 48.01M | 49.33M | 63.02M | 52.54M | 52.8M | 59.04M | 56.57M | 54.87M | 52.56M | 49.02M | 48.41M | 40.39M | 36.85M | 29.6M | 34.73M | 28.08M | 29.95M |
| Revenue Growth % | 7.41% | -10.58% | -19.39% | -9.06% | -16.45% | 11.41% | -4.24% | 0.45% | 20.44% | 16.86% | 35.84% | 42.63% | 65.61% | 39.36% | 43.85% | 23.06% | 18.16% | 61.28% | 15.07% | -42.51% |
| Non-Interest Expense | 28.11M | 31.65M | -3.15M | 26.25M | 27.79M | 32.3M | 28.74M | 28.46M | 31.37M | 30.73M | 31.48M | 29.39M | 29.51M | 30.12M | 29.2M | 27.35M | 24.32M | 26.24M | 11.47M | 18.88M |
| Efficiency Ratio | 53.06% | 56.16% | -7.44% | 54.68% | 56.34% | 51.26% | 54.7% | 53.9% | 53.14% | 54.33% | 57.37% | 55.92% | 60.2% | 62.23% | 72.29% | 74.22% | 82.15% | 75.56% | 40.86% | 63.02% |
| Operating Income | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M | 12.23M | 2.8M | 5.53M | 5.79M | 9.35M | 5.09M | 9.95M | 2.9M | 8.34M | 2.02M | 2.97M | 2.59M | 12.68M | 14.84M | 10.84M |
| Operating Margin % | 12.64% | 9.67% | 55.32% | 6.59% | 9.74% | 19.41% | 5.33% | 10.47% | 9.8% | 16.52% | 9.28% | 18.94% | 5.92% | 17.22% | 4.99% | 8.06% | 8.75% | 36.5% | 52.84% | 36.18% |
| Operating Income Growth % | 39.3% | -55.44% | 737.28% | -42.73% | -16.92% | 30.88% | -45.03% | -44.46% | 99.28% | 12.11% | 152.35% | 234.93% | 12.08% | -34.24% | -86.41% | -72.57% | -74.67% | -3.68% | 74.32% | -54.93% |
| Pretax Income | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M | 12.23M | 2.8M | 5.53M | 5.79M | 9.35M | 5.09M | 9.95M | 2.9M | 8.34M | 2.02M | 2.97M | 2.59M | 12.68M | 14.84M | 10.84M |
| Pretax Margin % | 12.64% | 9.67% | 55.32% | 6.59% | 9.74% | 19.41% | 5.33% | 10.47% | 9.8% | 16.52% | 9.28% | 18.94% | 5.92% | 17.22% | 4.99% | 8.06% | 8.75% | 36.5% | 52.84% | 36.18% |
| Income Tax | 1.51M | 1.23M | 6.29M | 1.16M | 1.25M | 2.79M | 642K | 1.38M | 1.28M | 1.43M | 1.22M | 1.96M | 465K | 1.97M | 184K | 699K | 680K | 2.88M | 3.16M | 1.67M |
| Effective Tax Rate % | 22.57% | 22.49% | 26.85% | 36.77% | 25.95% | 22.85% | 22.94% | 24.95% | 22.18% | 15.31% | 23.93% | 19.65% | 16.02% | 23.59% | 9.12% | 23.52% | 26.25% | 22.69% | 21.32% | 15.44% |
| Net Income | 5.18M | 4.22M | 17.14M | 2M | 3.58M | 9.44M | 2.08M | 4.09M | 4.48M | 7.91M | 3.87M | 8.11M | 11.34M | 6.51M | 2.72M | 2.96M | 2.86M | 9.96M | 11.83M | 9.25M |
| Net Margin % | 9.78% | 7.5% | 40.46% | 4.17% | 7.25% | 14.98% | 3.96% | 7.74% | 7.59% | 13.99% | 7.05% | 15.43% | 23.14% | 13.45% | 6.73% | 8.02% | 9.68% | 28.68% | 42.12% | 30.88% |
| Net Income Growth % | 44.93% | -55.24% | 723.85% | -51.04% | -20.19% | 19.33% | -46.21% | -49.59% | -60.48% | 21.54% | 42.27% | 174.42% | 296.02% | -34.66% | -77.02% | -68.03% | -64.42% | -15.86% | 82.22% | -48.72% |
| Net Income (Continuing) | 5.18M | 4.22M | 17.14M | 2M | 3.56M | 9.44M | 2.16M | 4.15M | 4.5M | 7.92M | 3.87M | 8M | 2.44M | 6.37M | 1.83M | 2.27M | 1.91M | 9.8M | 11.67M | 9.16M |
| EPS (Diluted) | 0.39 | 0.32 | 1.32 | 0.15 | 0.27 | 0.72 | 0.16 | 0.31 | 0.34 | 0.61 | 0.29 | 0.63 | 0.87 | 0.50 | 0.21 | 0.23 | 0.22 | 0.77 | 0.92 | 0.73 |
| EPS Growth % | 44.44% | -55.56% | 725% | -51.61% | -20.59% | 18.03% | -44.83% | -50.79% | -60.92% | 22% | 38.1% | 173.91% | 295.45% | -35.06% | -77.17% | -68.49% | -66.67% | -20.62% | 73.58% | -51.01% |
| EPS (Basic) | 0.41 | 0.33 | 1.36 | 0.16 | 0.28 | 0.73 | 0.16 | 0.32 | 0.35 | 0.62 | 0.30 | 0.64 | 0.90 | 0.52 | 0.22 | 0.24 | 0.24 | 0.83 | 1.00 | 0.79 |
| Diluted Shares Outstanding | 13.19M | 13.08M | 13.01M | 13.12M | 13.18M | 13.2M | 13.17M | 13.05M | 13.12M | 13.02M | 13.12M | 12.92M | 13.02M | 12.89M | 12.85M | 12.9M | 12.93M | 12.94M | 12.82M | 12.61M |