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MVB Financial Corp.

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
$349.60M
PER (TTM)
12.9
15
配当利回り
2.5%
52週高値
$29.59
52週安値
$15.59
52週レンジ
85%
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

$0.00+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 BancorpRBB
$238.00M
+2.6%
Southern First Bancshares, Inc.SFST
$224.62M
+5.3%
PCB BancorpPCB
$209.37M
+9.1%

粗利益率 (最新四半期)

BayCom CorpBCML
73.5%
+3.3pp
MVB Financial Corp.MVBF
65.8%
-12.1pp
Farmers & Merchants Bancorp, Inc.FMAO
64.3%
+7.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
SFST$478.60M15.48.6%6.0%
OBT$471.98M11.316.5%1.3%
WTBA$432.84M13.317.7%0.0%

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:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $42.35M-19.4%
    |
    EPS: $1.36+750.0%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $48.01M-9.1%
    |
    EPS: $0.16-50.0%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $49.33M-16.5%
    |
    EPS: $0.28-20.0%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月13日|
    売上高: $227.33M+6.7%
    |
    EPS: $1.56-36.6%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $52.54M-4.2%
    |
    EPS: $0.16-46.7%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $52.80M+0.4%
    |
    EPS: $0.32-50.0%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $59.04M+20.4%
    |
    EPS: $0.35-61.1%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月13日|
    売上高: $213.02M+39.8%
    |
    EPS: $2.46+100.0%
    予想を上回る