(MVBF) MVB Financial - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US5538101024

Stock: Deposits, Loans, Cards, Fintech, Digital

Total Rating 44

Risk 43

Buy Signal 0.34

Banks - Regional » Regional Banks
Age: 17.5y

Market Cap: 369m
Avg Trading Vol: 1.41M USD

ATR: 3.23%
Peers RS (IBD): 83.00

EPS (Earnings per Share)

EPS CAGR: -43.19%
EPS Trend: 5.4%

Last SUE: -0.92
Qual. Beats: 0

Revenue

Rev. CAGR: 5.43%
Rev. Trend: 60.9%

Last SUE: 0.23
Qual. Beats: 0

Dividends

Dividend Yield	3.12%
Yield on Cost 5y	3.26%
Yield CAGR 5y	7.46%
Payout Consistency	97.9%
Payout Ratio	39.1%

Risk 5d forecast
Volatility	36.5%
Relative Tail Risk	-9.51%

Reward TTM
Sharpe Ratio	1.47
Alpha	41.57

Character TTM
Beta	0.593
Beta Downside	0.627

Drawdowns 3y
Max DD	38.77%
CAGR/Max DD	0.25

Description: MVBF MVB Financial December 30, 2025

MVB Financial Corp. (NASDAQ: MVBF) is a bank holding company that operates MVB Bank, Inc., offering traditional banking products-such as demand deposits, savings accounts, CDs, and a range of commercial, consumer, and real-estate mortgage loans-alongside fintech solutions for gaming, payments, BaaS, and digital-asset sectors. Its business is organized into three segments: Core Banking, Mortgage Banking, and Financial Holding Company, with a branch footprint in West Virginia and Virginia.

As of the latest quarterly filing (Q3 2024), MVBF reported a loan-to-deposit ratio of roughly 70 %, a net interest margin of 3.2 %, and a CET1 capital ratio near 9.5 %, indicating modest profitability and adequate capital buffers for a regional bank. The company’s fintech arm is expanding its merchant-fraud-prevention platform, a segment that has grown ~15 % YoY, reflecting broader industry demand for digital risk-management tools. Macro-level drivers include the Federal Reserve’s high-rate environment, which pressures loan demand but also widens spreads for banks with strong deposit bases.

For a deeper quantitative view, you might explore MVBF’s metrics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income: 32.2m TTM > 0 and > 6% of Revenue
FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.58 > 1.0
NWC/Revenue: -1063 % < 20% (prev -914.6%; Δ -148.2% < -1%)
CFO/TA 0.00 > 3% & CFO 8.46m > Net Income 32.2m
Net Debt (-223.1m) to EBITDA (46.6m): -4.78 < 3
Current Ratio: 0.22 > 1.5 & < 3
Outstanding Shares: last quarter (13.0m) vs 12m ago -1.20% < -2%
Gross Margin: 62.57% > 18% (prev 0.65%; Δ 6192 % > 0.5%)
Asset Turnover: 6.09% > 50% (prev 6.46%; Δ -0.37% > 0%)
Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 46.6m / Interest Expense TTM 69.0m)

Altman Z'' -4.03

A: -0.67 (Total Current Assets 624.8m - Total Current Liabilities 2.78b) / Total Assets 3.23b
B: 0.06 (Retained Earnings 188.3m / Total Assets 3.23b)
C: 0.01 (EBIT TTM 43.6m / Avg Total Assets 3.33b)
D: 0.06 (Book Value of Equity 187.0m / Total Liabilities 2.91b)
Altman-Z'' Score: -4.03 = D

Beneish M -2.86

DSRI: 1.13 (Receivables 2.24b/2.15b, Revenue 202.7m/220.9m)
GMI: 1.03 (GM 62.57% / 64.61%)
AQI: 1.14 (AQ_t 0.80 / AQ_t-1 0.71)
SGI: 0.92 (Revenue 202.7m / 220.9m)
TATA: 0.01 (NI 32.2m - CFO 8.46m) / TA 3.23b)
Beneish M-Score: -2.86 (Cap -4..+1) = A

What is the price of MVBF shares?

As of February 08, 2026, the stock is trading at USD 28.90 with a total of 69,282 shares traded.
Over the past week, the price has changed by +2.34%, over one month by +11.15%, over three months by +9.66% and over the past year by +51.74%.

Is MVBF a buy, sell or hold?

MVB Financial has received a consensus analysts rating of 3.67. Therefor, it is recommend to hold MVBF.

StrongBuy: 0
Buy: 2
Hold: 1
Sell: 0
StrongSell: 0

What are the forecasts/targets for the MVBF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	31.5	9%
Analysts Target Price	31.5	9%
ValueRay Target Price	33	14.2%

MVBF Fundamental Data Overview February 05, 2026

P/E Trailing = 11.8286
P/E Forward = 13.2275
P/S = 2.1965
P/B = 1.1249
Revenue TTM = 202.7m USD
EBIT TTM = 43.6m USD
EBITDA TTM = 46.6m USD
Long Term Debt = 74.0m USD (from longTermDebt, last quarter)
Short Term Debt = 2.98m USD (from shortTermDebt, last quarter)
Debt = 77.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -223.1m USD (from netDebt column, last quarter)
Enterprise Value = -179.1m USD (368.7m + Debt 77.0m - CCE 624.8m)
Interest Coverage Ratio = 0.63 (Ebit TTM 43.6m / Interest Expense TTM 69.0m)
EV/FCF = -25.90x (Enterprise Value -179.1m / FCF TTM 6.92m)
FCF Yield = -3.86% (FCF TTM 6.92m / Enterprise Value -179.1m)
FCF Margin = 3.41% (FCF TTM 6.92m / Revenue TTM 202.7m)
Net Margin = 15.86% (Net Income TTM 32.2m / Revenue TTM 202.7m)
Gross Margin = 62.57% ((Revenue TTM 202.7m - Cost of Revenue TTM 75.9m) / Revenue TTM)
Gross Margin QoQ = 47.88% (prev 61.27%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -179.1m / Total Assets 3.23b)
Interest Expense / Debt = 22.93% (Interest Expense 17.6m / Debt 77.0m)
Taxrate = 26.85% (6.29m / 23.4m)
NOPAT = 31.9m (EBIT 43.6m * (1 - 26.85%))
Current Ratio = 0.22 (Total Current Assets 624.8m / Total Current Liabilities 2.78b)
Debt / Equity = 0.23 (Debt 77.0m / totalStockholderEquity, last quarter 327.8m)
Debt / EBITDA = -4.78 (Net Debt -223.1m / EBITDA 46.6m)
Debt / FCF = -32.26 (Net Debt -223.1m / FCF TTM 6.92m)
Total Stockholder Equity = 311.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 32.2m / Total Assets 3.23b)
RoE = 10.32% (Net Income TTM 32.2m / Total Stockholder Equity 311.4m)
RoCE = 11.32% (EBIT 43.6m / Capital Employed (Equity 311.4m + L.T.Debt 74.0m))
RoIC = 8.28% (NOPAT 31.9m / Invested Capital 385.3m)
WACC = 9.60% (E(368.7m)/V(445.6m) * Re(8.10%) + D(77.0m)/V(445.6m) * Rd(22.93%) * (1-Tc(0.27)))
Discount Rate = 8.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.05%
[DCF Debug] Terminal Value 63.36% ; FCFF base≈15.0m ; Y1≈9.83m ; Y5≈4.48m
Fair Price DCF = 22.94 (EV 68.8m - Net Debt -223.1m = Equity 291.9m / Shares 12.7m; r=9.60% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 5.39 | EPS CAGR: -43.19% | SUE: -0.92 | # QB: 0
Revenue Correlation: 60.86 | Revenue CAGR: 5.43% | SUE: 0.23 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=1.99 | Chg30d=+0.002 | Revisions Net=-1 | Growth EPS=+300.0% | Growth Revenue=+15.0%

Additional Sources for MVBF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle