MVB Financial Corp.

NASDAQ•MVBF

CEO: Mr. Larry F. Mazza CPA

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2012-08-03

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The 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 fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1999 and is based in Fairmont, West Virginia.

Contact Information

301 Virginia Avenue, Fairmont, WV, 26554, United States

304-363-4800

www.mvbbanking.com

Market Cap

$339.42M

P/E (TTM)

12.5

14.1

Dividend Yield

2.5%

52W High

$29.59

52W Low

$15.59

52W Range

79%

Rank45Top 56.8%

3.6

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.6 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$56.35M+0.00%

4-Quarter Trend

EPS

$0.33+0.00%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Q3 Net Income Surge Net income $17.1M (3Q 2025) vs $2.1M (3Q 2024); driven by $34.1M pre-tax gain from Victor sale.

Loan Portfolio Expansion Total loans grew to $2.26B (9/30/25) from $2.10B (12/31/24); Fintech deposits reached $1.10B.

Stable Asset Quality Metrics NPL ratio slightly improved to 1.2% ($26.2M) from 1.3% ($28.6M) at year-end 2024; ACL increased to $23.3M.

NIM Compression Noted Tax-equivalent NIM decreased to 3.55% (3Q 2025) from 3.61% (3Q 2024); lower asset yields offset lower funding costs.

Risk Factors

Fintech Investment Write-Down Recognized $1.0M write-down on an AFS Fintech investment during the quarter; credit quality remains a key focus area.

Interest Rate Sensitivity Exposure NIM compression observed due to declining earning asset yields, despite lower overall cost of interest-bearing liabilities (3.38%).

Managing Growth Scalability Future success depends on achieving operational scalability and managing growing customer relationships efficiently to control costs.

Concentration in Gaming Deposits Significant deposit concentration exists, with $244.0M from the three largest gaming clients, posing potential liquidity risk.

Outlook

Post-Victor Portfolio Repositioning Strategic repositioning of securities portfolio completed, expecting $0.30 to $0.35 in additional annualized EPS prospectively.

Continued Fintech Focus Committed to gaming, payments, and banking-as-a-service sectors; expanding compliance and risk management teams to support growth.

Capital Strength Maintained CBLR remains strong at 11.1% (above 9% minimum); new $10M stock repurchase program announced for November 2025.

Credit Loss Forecasting Refinement ACL methodology relies on economic forecasts; management expects potential economic viability changes over the next one to two years.

Peer Comparison

Revenue (TTM)

RBB

$238.00M

+2.6%

SFST

$224.62M

+5.3%

PCB

$209.37M

+9.1%

Gross Margin (Latest Quarter)

OBT

78.7%

+16.3pp

PBFS

73.8%

+0.0pp

BCML

73.5%

+3.3pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
SFST	$453.21M	14.6	8.6%	6.0%
OBT	$441.10M	10.6	16.5%	1.3%
WTBA	$416.74M	12.8	13.0%	2.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

4.5%

Moderate Growth

4Q Net Income CAGR

5.7%

Profitability Improving

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 28, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data