MVB Financial Corp.

NASDAQ•MVBF

CEO: Mr. Larry F. Mazza CPA

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

304-363-4800

www.mvbbanking.com

時価総額

$318.30M

PER (TTM)

11.7

14.5

配当利回り

2.7%

52週高値

$29.59

52週安値

$15.59

52週レンジ

67%

順位45Top 56.8%

3.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$56.35M+0.00%

直近4四半期の推移

EPS

$0.33+0.00%

直近4四半期の推移

フリーCF

-$15.69M+0.00%

直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

RBB

$238.00M

+2.6%

SFST

$224.62M

+5.3%

PCB

$209.37M

+9.1%

粗利益率 (最新四半期)

OBT

78.7%

+16.3pp

PBFS

73.8%

+0.0pp

BCML

73.5%

+3.3pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
SFST	$425.55M	13.7	8.6%	6.0%
OBT	$407.82M	9.8	16.5%	1.3%
PDLB	$391.22M	13.0	5.5%	20.3%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

4.5%

緩やかな成長

4四半期純利益CAGR

5.7%

収益性の着実な向上

キャッシュフロー安定性

50%

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月28日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし