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
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
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)
$238.00M
$224.62M
$209.37M
Gross Margin (Latest Quarter)
78.7%
73.8%
73.5%
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