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

$365.19M

PER (TTM)

12.7

16.8

配当利回り

2.4%

52週高値

$29.59

52週安値

$20.15

52週レンジ

88%

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

Q1 2026 データ

売上高

$52.98M+0.00%

直近4四半期の推移

EPS

$0.41+0.00%

直近4四半期の推移

フリーCF

-$23.45M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Rises Substantially Net income available to common shareholders increased 34.1% to $26.94M in 2025, driven significantly by divestiture gains from Victor sale.

Total Loans Show Growth Total loans increased $243.0M year-over-year, reaching $2.34B by year-end 2025, supported by continued focus on commercial lending.

Strong Capital Adequacy Maintained Community Bank Leverage Ratio (CBLR) stood at 11.1% at year-end 2025, remaining well above the 9.0% minimum regulatory threshold.

Noninterest Income Boosted Noninterest income surged $17.4M to $60.3M in 2025, primarily due to the $34.2M pre-tax gain recognized from the sale of Victor.

リスク要因

Asset Quality Deterioration Noted Nonperforming loans rose to $30.7M (1.3% of loans) in 2025 from $24.6M (1.2%) in 2024; provision for credit losses increased to $8.74M.

Net Interest Margin Compression Tax-equivalent NIM slightly declined to 3.65% in 2025 from 3.67% in 2024; interest rate volatility remains a key market risk factor.

Commercial Real Estate Exposure Commercial and non-residential real estate loans represent 72.9% of the portfolio, exposing earnings to potential downturns in local markets.

Gaming Deposit Concentration Risk Gaming deposits, a low-cost funding source, totaled $184.3M on-balance sheet, creating concentration risk if clients seek more attractive returns.

見通し

Declining Rate Environment Expected Management anticipates a declining interest rate environment over the next one to two years, which is expected to impact earnings dynamics.

Credit Loss Provisioning Strategy Provision for credit losses increased significantly in 2025, driven by loan growth and recognized charge-offs, requiring ongoing portfolio monitoring.

Fintech Integration Continues Commitment remains to the gaming, payments, and banking-as-a-service industries, enhancing CoRe deposits via Fintech division expansion.

Liquidity Position Adequate Liquidity is supported by $244.1M in cash and $702.5M remaining FHLB borrowing capacity as of year-end 2025.

同業比較

売上高 (TTM)

RBB

$244.42M

+7.0%

PCB

$212.11M

+8.8%

BWFG

$211.83M

+7.8%

粗利益率 (最新四半期)

USCB

96.9%

-4.2pp

SFST

96.2%

+7.0pp

OBT

81.1%

+16.3pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
SFST	$573.74M	14.2	9.7%	5.8%
OBT	$492.47M	11.1	16.1%	1.3%
PDLB	$469.49M	14.2	5.9%	18.2%

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

3.3%

緩やかな成長

4四半期純利益CAGR

37.3%

収益性の大幅な改善

キャッシュフロー安定性

25%

キャッシュフローに注意が必要

深度リサーチ

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