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Mvb Financial Corp.

MVBF Financial Banks Regional

Mvb Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $235.6 million, up 2.99% from fiscal 2024.

Revenue
−27.7%
EPS
−97.8%
Free cash flow
+55.5%
Total debt
−26.8%

Quarter to September 2026, against a year earlier

25.85 0.28 +1.10%
Market cap
$332.5M
P/E
14.8×
Fwd P/E
12.8×
Dividend yield
2.66%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — 1 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.14%

Capital & Financial Ratios $m

Size
Market Cap 332.49
Revenue ttm 233.54
Net income ttm 22.10
Free cash flow ttm (34.30)
Net debt Q (209.96)
Valuation
P/E 14.84
Forward P/E 12.80
Price / sales 1.42
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.00
Financial health
Current ratio Q 0.92
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −27.72% (below 0%: shrinking)
Operating income growth Q −97.27% (below 0%: shrinking)
EPS, this year −44.17% (below 0%: weak)
EPS, next year A +115.65% (at or above 15%: strong)
Revenue, next year A −32.34% (below 0%: weak)
EPS, past 5 yrs −7.61% (below 0%: weak)
EPS, next 5 yrs A +12.72%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.42%
10-year low 10-year high
P/S against its own 10 years 44.00%
10-year low 10-year high
P/B against its own 10 years 39.60%
10-year low 10-year high

Dividends

Yield
2.66%
Annual rate
0.68
Payout ratio
40.7%
Growth, 2017–25
+27.1%/yr
  1. 0.10 ’17
  2. 0.11 ’18 +10
  3. 0.20 ’19 +77
  4. 0.36 ’20 +85
  5. 0.51 ’21 +42
  6. 0.68 ’22 +33
  7. 0.68 ’23 +0
  8. 0.68 ’24 +0
  9. 0.68 ’25 +0
  10. 0.68 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 398 318 244 210
Receivables — — — —
Inventory — — — —
Other — — — —
2,787 2,537 2,694 —
2023 2024 2025 Q'26
Payables 2,901 2,694 2,842 3,088
ST’ Debt — — — —
Other — — — —
2,951 2,748 2,901 —

Compound Annual Growth %

10y 5y 3y
Sales 11.54% 6.46% 15.34%
Cash Flow 0.00% (48.60%) (18.18%)
Earnings 15.75% (6.12%) 21.43%
Book Value 11.28% 6.88% 8.51%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.41 Actual 0.04

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.31 0.32 Beat by 0.01
Q1 FY26 0.37 0.39 Beat by 0.02
Q2 FY26 0.33 0.25 Miss by 0.08
Q3 FY26 0.41 0.04 Miss by 0.37
Q4 FY26 0.50 — Reports 11 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.39 0.93 0.03 — —
’25 0.27 0.15 1.32 0.32 2.06
’24 0.34 0.31 0.16 0.72 1.53
’23 0.87 0.63 0.29 0.61 2.40
’22 0.22 0.23 0.21 0.50 1.17
’21 0.66 0.73 0.92 0.77 3.10
’20 0.08 1.49 0.53 0.97 3.06
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 53 67 57 — —
’25 50 50 79 56 236
’24 58 53 53 64 229
’23 48 53 54 54 210
’22 33 37 39 44 154
’21 32 34 42 31 139
’20 32 67 38 35 172
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (23) 5 (1) — —
’25 14 7 (3) (15) 4
’24 (25) 27 9 (11) 0
’23 (5) 35 10 18 58
’22 (57) 47 14 4 7
’21 10 (5) 7 23 35
’20 (79) (42) 212 21 112
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (23) 5 (1) — —
’25 14 8 (3) (15) 4
’24 (26) 27 8 7 16
’23 (5) 35 10 17 57
’22 (58) 47 14 4 6
’21 9 (6) 8 23 34
’20 (80) (39) 215 19 116
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 97 97 108 147 172 139 154 210 229 236 234 +10.3% 159 177 195 (6.1%)
Gross margin, % 88.56 87.36 83.67 84.38 93.25 95.50 90.78 68.25 66.50 71.17 71.61 (17.4) pt
EBT 13 12 15 35 47 47 15 27 26 37 29 +11.9%
EBT margin, % 13.72 12.67 14.18 23.82 27.25 34.09 9.79 13.03 11.52 15.64 12.32 +1.9 pt
Net income 13 8 12 27 37 39 14 31 20 27 22 +8.5%
Per share, $
Per share, $ Revenue 11.85 9.44 9.83 12.55 14.57 11.82 12.50 16.51 17.75 18.44 18.00 +5.0%
Earnings 1.51 0.69 1.04 2.26 3.13 3.32 1.23 2.46 1.56 2.11 1.72 +3.8%
Cash flow 3.08 3.21 0.61 (0.69) 9.49 2.96 0.60 4.59 (0.02) 0.32 (2.64) (22.4%)
Capex (0.11) (0.41) (0.18) (0.11) 0.29 (0.06) (0.12) (0.07) 1.23 0.02 0.00 n/m
Free cash flow 2.96 2.81 0.43 (0.80) 9.78 2.89 0.48 4.51 1.21 0.34 (2.64) (21.4%)
Book value 17.73 14.57 16.03 18.09 20.26 23.37 21.29 22.79 23.72 26.14 25.41 +4.4%
Shares, m 8 10 11 12 12 12 12 13 13 13 13 +5.0%
Valuation, ×
Valuation, × P/E 8.65 29.41 17.35 10.98 7.29 12.51 17.74 9.09 13.27 12.13 14.84 13.8
P/S 1.08 2.12 1.84 1.99 1.56 3.51 1.73 1.35 1.17 1.40 1.42 1.8
P/B 0.81 1.45 1.18 1.43 1.16 1.78 1.02 0.98 0.87 0.99 1.00 1.2
EV/Sales 2.03 3.67 3.64 3.26 0.21 1.81 2.61 (0.19) 0.10 0.68 — 1.8
EV/FCF 8.12 12.33 83.77 (51.04) 0.31 7.40 68.64 (0.71) 1.46 37.05 — 16.7
Cash, $m
Cash, $m Operating cash flow 25 33 7 (8) 112 35 7 58 0 4 (34) (18.5%)
Capex (1) (4) (2) (1) 3 (1) (2) (1) 16 0 (1) n/m
Free cash flow 24 29 5 (9) 116 34 6 57 16 4 (34) (17.5%)
Balance, $m
Balance, $m Working capital 41 27 99 249 (272) (217) (126) (164) (212) (207) (251) n/m
Net debt 93 151 195 186 (232) (237) 135 (325) (244) (170) (210) n/m
Shareholders’ equity 146 150 177 212 239 275 261 289 306 334 330 +9.7%
Returns, %
Returns, % ROA 0.84 0.48 0.70 1.43 1.73 1.53 0.51 0.98 0.62 0.84 0.66 0.0 pt
ROIC 3.50 2.56 2.58 5.49 407.83 77.73 2.37 0.00 26.70 14.05 15.02 +10.6 pt
ROE 10.35 5.21 7.40 14.19 16.92 15.40 5.61 11.34 6.75 8.42 6.72 (1.9) pt
People
People Employees 382 397 — 443 344 458 477 445 453 403 — +0.6%
Revenue/emp, $m 0.25 0.25 0.00 0.33 0.50 0.30 0.32 0.47 0.50 0.58 — +9.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Mvb Financial Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00% Compare
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BCML Bay Commercial Bank $336.8M 25.7× 38.5× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
MVBF Mvb Financial Corp. $332.5M 14.8× 12.8× −27.72% (below 0%: shrinking) −97.79% (below 0%: shrinking) +55.49% (above 0%: growing) 70.96% 0.00%
COSO CoastalSouth Bancshares, Inc. $331.6M 12.3× 11.6× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $329.7M 12.2× 9.8× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $323.2M 13.2× 11.8× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
FRAF Franklin Financial Services Corp. $313.1M 12.8× 12.2× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00% Compare
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
Median of peers $330.7M 12.5× 11.9× +8.19% +19.12% +84.23% 72.05% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.06m 5.59m 128.16
2024 2.17m 1.89m 94.69
2023 2.80m 2.49m 99.42
2022 1.47m (643.63k) 94.52
2021 2.12m 5.24m 169.99

Ownership

Directors and executive officers, together 9.87%
Wellington Management Company LLP Wellington Group Holdings LLP Wellington Investment Advisors Holdings LLP Wellington Management Company LLP 13.97%
Larry F. Mazza 6.79%
BlackRock, Inc. 6.44%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Mvb Financial Corp. (MVBF) Latest News

31 Oct

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30 Oct

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6 Aug

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29 Jul

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28 Jul

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29 Apr

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22 Apr

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26 Mar

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12 Feb

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11 Feb

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10 Feb

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stockrow.com/MVBF · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com