MVBF

+ Watchlist + Portfolio

MVB Financial Corp.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $30.30
52-Week Range: $22.87 – $31.99
Market Cap: $388.93M
P/E (TTM): 10.15
EPS (TTM): 2.96
Dividend Yield: 2.24%

Advanced Metrics

Price/Book: 1.13
PEG Ratio: —
Return on Equity: 12.00%
Return on Assets: 1.15%
Gross Margin: 0.00%
Operating Margin: 36.73%
Profit Margin: 22.27%
Current Ratio: —
Debt/Equity: —
Total Debt: $61.01M
Free Cash Flow: —
Revenue Growth: 46.20%
Earnings Growth: 520.00%
Enterprise Value: $134.03M

MVBF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$138.21M	$146.48M	$150.69M	$124.67M
Selling, General & Admin	$65.14M	$67.81M	$72.12M	$74.62M
Pretax Income	$15.03M	$27.29M	$26.34M	$36.85M
Income Tax	$3.29M	$5.07M	$6.10M	$9.93M
Net Income	$15.05M	$31.23M	$20.09M	$26.94M
Diluted EPS	1.17	2.40	1.53	2.06
Diluted Shares	12.94M	13.00M	13.14M	13.11M

MVBF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$40.28M	$398.23M	$317.91M	$244.13M
Receivables	$89.34M	—	—	—
Total Assets	$3.07B	$3.31B	$3.13B	$3.31B
Long-Term Debt	$185.38M	$80.33M	$73.79M	$74.03M
Total Debt	$185.38M	$80.33M	$73.79M	$74.03M
Total Liabilities	$2.81B	$3.02B	$2.82B	$2.97B
Retained Earnings	$144.91M	$160.86M	$172.18M	$190.41M
Shareholders' Equity	$261.08M	$289.38M	$305.68M	$333.97M
Net Debt	$145.10M	—	—	—

MVBF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$7.35M	$58.23M	-$285.00K	$4.03M
Capital Expenditure	-$3.04M	-$1.92M	-$1.62M	-$1.92M
Free Cash Flow	$4.31M	$56.32M	-$1.91M	$2.11M
Depreciation & Amortisation	$5.32M	$5.00M	$3.93M	$2.60M
Stock-Based Compensation	$3.22M	$2.66M	$2.91M	$3.80M
Investing Cash Flow	-$571.13M	$88.25M	$144.46M	-$208.60M
Financing Cash Flow	$296.62M	$211.47M	-$224.49M	$130.78M
Dividends Paid	-$8.36M	-$8.64M	-$8.77M	-$8.71M
Share Repurchases	$0.00	$0.00	$0.00	-$10.16M
Net Change in Cash	-$267.16M	$357.95M	-$80.32M	-$73.79M

MVBF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$31.41M	$24.70M	$36.12M	$34.70M	—
Selling, General & Admin	$16.88M	$22.32M	$18.06M	$18.15M	—
Pretax Income	$3.17M	$23.43M	$5.45M	$6.70M	—
Income Tax	$1.16M	$6.29M	$1.23M	$1.51M	—
Net Income	$2.00M	$17.14M	$4.22M	$5.18M	—
Diluted EPS	0.15	1.32	0.32	0.39	0.93
Diluted Shares	13.12M	13.01M	13.08M	13.19M	13.19M

MVBF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$251.45M	$399.38M	$300.04M	$244.13M	$177.63M
Total Assets	$3.02B	$3.22B	$3.23B	$3.31B	$3.32B
Long-Term Debt	$73.85M	$73.91M	$73.98M	$74.03M	$34.05M
Total Debt	$73.85M	$73.91M	$73.98M	$74.03M	$54.05M
Total Liabilities	$2.71B	$2.92B	$2.91B	$2.97B	$2.99B
Retained Earnings	$173.56M	$173.35M	$188.35M	$190.41M	$193.41M
Shareholders' Equity	$310.05M	$302.31M	$327.75M	$333.97M	$334.92M

MVBF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$14.13M	$7.44M	-$2.56M	-$14.97M	-$23.31M
Capital Expenditure	-$261.00K	-$191.00K	-$955.00K	-$508.00K	-$140.00K
Free Cash Flow	$13.87M	$7.25M	-$3.52M	-$15.48M	-$23.45M
Depreciation & Amortisation	$776.00K	$782.00K	$598.00K	$443.00K	$423.00K
Stock-Based Compensation	$711.00K	$1.10M	$1.11M	$878.00K	$741.00K
Investing Cash Flow	$31.27M	-$70.12M	-$62.73M	-$107.02M	-$78.62M
Financing Cash Flow	-$111.86M	$210.61M	-$34.04M	$66.07M	$35.43M
Dividends Paid	-$2.20M	-$2.21M	-$2.14M	-$2.16M	-$2.19M
Share Repurchases	—	—	-$3.64M	-$142.00K	—
Net Change in Cash	-$66.46M	$147.93M	-$99.34M	-$55.92M	-$66.49M

Market Snapshot

About

MVB Financial is the holding company for MVB Bank, a community bank serving West Virginia, Virginia, and Maryland. The bank provides commercial and consumer banking services including deposits, business loans, residential mortgages, treasury management, and wealth advisory. MVB also operates fintech-focused divisions offering payment processing, card issuing, and banking-as-a-service platforms for fintech companies and non-bank financial service providers. The company combines traditional community banking with technology-driven partnerships to diversify revenue and expand beyond its Appalachian footprint.