Mvb Financial Corp. MVBF

30.12 0.32 1.07% as of 25 Sep
Market cap
$388.6M
P/E
9.9×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.07
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 1 — — — — — 1 — — —
Sell — — — — — — — — — — — —
Insider Ownership 9.63%

Capital & Financial Ratios

Market Cap 388.63
Revenue 255.39
Net Income 38.80
Free Cash Flow (36.74)
Net Debt (258.52)
Current Ratio 0.92
Debt/Equity 0.16
P/E ratio 9.88
P/S ratio 1.52
P/B ratio 1.13
Past 5Y EPS Growth (7.02%)
This Y EPS Growth 6.47%
Next Y EPS Growth 19.30%
Next 5Y EPS Growth 23.65%
in millions of $

Dividends

Payout Ratio 0.41
Annual Dividend Rate 0.68
Annual Dividend Yield 3.16%
total individual payouts
2027 Powerpack
2026 0.68
0.17
0.17
0.17
2025 0.68
0.17
0.17
0.17
0.17
2024 0.68
0.17
0.17
0.17
0.17
2023 0.68
0.17
0.17
0.17
0.17
2022 0.68
0.17
0.17
0.17
0.17
2021 0.51
0.10
0.12
0.14
0.15
2020 0.36
0.09
0.09
0.09
0.09
2019 0.20
0.04
0.04
0.05
0.07
2018 0.11
0.03
0.03
0.03
0.03
2017 0.10
0.03
0.03
0.03
0.03
2016 0.08
0.02
0.02
0.02
0.02
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 398 318 244 313
Receivables — — — —
Inventory — — — —
Other — — — —
2,787 2,537 2,694 2,896
2023 2024 2025 Q'26
Payables 2,901 2,694 2,842 3,111
ST’ Debt — — — —
Other — — — —
2,951 2,748 2,901 3,147
in millions of $

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%

Revenue

Mar Jun Sep Dec Year
’26 53 67 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (23) 5 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (23) 5 — — —
’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
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.39 0.93 — — —
’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

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
9.50 12.50 14.65 14.31 8.22 21.24 21.37 16.26 17.51 15.59

Analyst estimates 2026–2028

Powerpack
Low Price
14.00 20.40 20.10 27.00 24.98 45.94 44.22 27.49 25.24 28.96
High Price
382 397 — 443 344 458 477 445 453 403
Employees
0 0 0 0 1 0 0 0 1 1
Revenue/Emp
97 97 108 147 172 139 154 210 229 236
Revenue
88.56% 87.36% 83.67% 84.38% 93.25% 95.50% 90.78% 68.25% 66.50% 71.17%
Gross Margin
13 12 15 35 47 47 15 27 26 37
EBT
13.72% 12.67% 14.18% 23.82% 27.25% 34.09% 9.79% 13.03% 11.52% 15.64%
EBT Margin
13 8 12 27 37 39 14 31 20 27
Net Income
4 4 4 4 7 11 10 8 8 4
Depreciation
11.85 9.44 9.83 12.55 14.57 11.82 12.50 16.51 17.75 18.44
Revenue/Sh
1.51 0.69 1.04 2.26 3.13 3.32 1.23 2.46 1.56 2.11
Earnings/Sh
3.08 3.21 0.61 (0.69) 9.49 2.96 0.60 4.59 (0.02) 0.32
Cash Flow/Sh
(0.11) (0.41) (0.18) (0.11) 0.29 (0.06) (0.12) (0.07) 1.23 0.02
Capex/Sh
2.96 2.81 0.43 (0.80) 9.78 2.89 0.48 4.51 1.21 0.34
Free CF/Sh
17.73 14.57 16.03 18.09 20.26 23.37 21.29 22.79 23.72 26.14
Book Value/Sh
8 10 11 12 12 12 12 13 13 13
Shares
8.65 29.41 17.35 10.98 7.29 12.51 17.74 9.09 13.27 12.13
PE Ratio
1.08 2.12 1.84 1.99 1.56 3.51 1.73 1.35 1.17 1.40
PS Ratio
0.81 1.45 1.18 1.43 1.16 1.78 1.02 0.98 0.87 0.99
PB Ratio
2.03 3.67 3.64 3.26 0.21 1.81 2.61 (0.19) 0.10 0.68
EV/Sales
8.12 12.33 83.77 (51.04) 0.31 7.40 68.64 (0.71) 1.46 37.05
EV/FCF
25 33 7 (8) 112 35 7 58 0 4
Op' Cash Flow
(1) (4) (2) (1) 3 (1) (2) (1) 16 0
Capex
24 29 5 (9) 116 34 6 57 16 4
FCF
41 27 99 249 (272) (217) (126) (164) (212) (207)
Working Cap'
124 186 232 227 43 73 176 74 74 74
Total Debt
93 151 195 186 (232) (237) 135 (325) (244) (170)
Net Debt
146 150 177 212 239 275 261 289 306 334
Sh' Equity
0.84% 0.48% 0.70% 1.43% 1.73% 1.53% 0.51% 0.98% 0.62% 0.84%
ROA
3.50% 2.56% 2.58% 5.49% 407.83% 77.73% 2.37% 0.00% 26.70% 14.05%
ROIC
10.35% 5.21% 7.40% 14.19% 16.92% 15.40% 5.61% 11.34% 6.75% 8.42%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Mvb Financial Corp. peers in Banks Regional

All 325 Banks Regional stocks →

Mvb Financial Corp. (MVBF) key facts

  • Mvb Financial Corp. (MVBF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Mvb Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $235.6 million, up 2.99% from fiscal 2024.
  • As of September 25, 2026, MVBF traded at $30.12, a market capitalization of $388.6 million.
  • Mvb Financial Corp. pays an annual dividend of $0.68 per share, a yield of 3.16%, with a payout ratio of 41.5%.
  • Return on equity was 8.42% and debt-to-equity 0.16.

Source: company filings (standardised) and stockrow calculations.

Mvb Financial Corp. (MVBF) Latest News

News by impact score

Fine-tune

25 Sep

4

FAIRMONT, W.Va., Sept 25, 2026 — DingoBlu Financial, Inc., a fintech developing a mobile-first platform for personal financial products, announced a strategic partnership with MVB Bank, Inc. The alliance provides the regulated banking infrastructure for eligible DingoBlu deposit products, while DingoBlu supplies the technology platform and digital experience to access and manage accounts. DingoBlu, a Visa fintech partner, will have its debit cards run on the Visa network through MVB Bank. Planned offerings include checking and savings accounts, digital account-management tools, and Visa debit card access, with product features, rates, fees, terms, and availability to be announced closer to launch. Executives from both sides described the collaboration as a milestone toward bringing DingoBlu to market. Banking services will be provided by MVB Bank, Member FDIC. DingoBlu is not a bank; MVB is the bank partner. Strategic fintech partnership with a mobile-first platform and Visa debit integration could meaningfully broaden MVB’s product reach and deposits.

22 Sep

4

MVB Bank (MVBF) is partnering with Kobalt Labs to automate compliance and risk workflows for fintech partner collaboration, due diligence, ongoing monitoring and marketing compliance. The AI-powered platform will streamline partner reviews, extract evidence, identify control gaps, and generate defensible risk analyses, aligning with evolving regulations and reducing manual effort. Klaros Group facilitated introductions between Kobalt and MVB. The initiative aims to elevate the partner experience while strengthening regulatory oversight and risk management at scale. Kobalt CEO Kalyani Ramadurgam and MVB CEO Larry F. Mazza emphasized consistency, speed and regulator-ready reporting. MVBF’s fintech activities include payments, card issuance, sponsorship lending and embedded finance, and the bank intends to use the platform to accelerate time-to-market for its partners while maintaining compliance. Scales MVBF's third-party risk management and accelerates fintech partner onboarding and regulatory compliance.

6 Aug

4

MVB Bank selects Bretton AI to manage back-office operations supporting fintech business scaling. Adoption of Bretton AI enables operational efficiency gains and fintech expansion for MVB Bank.

29 Jul

3 transcript

MVB Financial Corp achieved strong loan growth and fintech progress in its Q2 2026 earnings call. Strong loan growth and fintech progress indicate moderately noticeable influence on MVBF financial performance and market position.

28 Jul

3

MVBF Q2 earnings call highlighted revenue, net income, loan growth, expense trends and management outlook on credit quality and expansion plans. Quarterly earnings details and guidance can move near-term sentiment and valuation but rarely shift long-term trajectory alone.

3

MVB Financial Corp. announced its second quarter 2026 financial results. Quarterly earnings releases update financial performance and can shift near-term market views on the company.

29 Apr

4

MVB Financial Corp. (MVBF) Q1 earnings call highlights key financial results, operational updates, and forward guidance. Q1 earnings highlights provide critical insights into financial health, growth strategies, and market outlook directly affecting MVBF's stock trajectory.

4

MVB Financial Corp. announced first quarter 2026 financial results. Quarterly earnings releases for financial firms significantly influence stock performance, investor sentiment, and future trajectory.

3

MVB Financial Corp. (MVBF) surpassed Q1 earnings estimates. Surpassing Q1 earnings estimates boosts financial performance and investor sentiment moderately.

22 Apr

3

MVB Financial Corp. (MVBF) earnings are expected to grow, raising the question of whether investors should buy the stock. Expected earnings growth signals potential positive financial performance influencing investor sentiment.

16 Apr

3

Several insiders invested heavily in MVB Financial Corp. (MVBF), signaling positive internal confidence and potential upside. Insider investments signal management optimism, moderately boosting market sentiment without fundamentally altering operations.

26 Mar

3

MVB Financial Corp. (MVBF) highlighted AI-driven efficiency improvements and fintech expansion during a virtual investor banking conference. AI efficiencies and fintech growth touted at investor conference moderately boost innovation perception and market sentiment.

13 Feb

3

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock experiencing notable insider activity in February 2026. The article emphasizes the potential for growth in MVBF, driven by recent investments and strategic decisions made by insiders, suggesting a positive outlook for the company's future performance. Insider activity indicates confidence in the company's prospects, which may moderately influence market sentiment and financial performance.

12 Feb

4

MVB Financial Corp. (MVBF) reported Q4 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The results indicate robust growth and effective management strategies, positioning the company favorably in the market. Investors reacted positively to the news, reflecting confidence in the company's future prospects. Earnings and revenue beats can significantly enhance investor sentiment and influence future performance.

4

MVB Financial Corp. reported its fourth quarter and full year 2025 results, highlighting significant growth in net income and total assets. The company achieved a notable increase in loans and deposits, reflecting strong demand and effective management strategies. Additionally, MVB Financial announced plans for future expansion and investment in technology to enhance customer experience. Overall, the financial performance indicates a positive trajectory for the company, positioning it well for upcoming challenges and opportunities in the market. The reported growth in net income and assets, along with strategic expansion plans, suggests a significant impact on future performance.

3

MVB Financial Corp. reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results reflect the company's operational efficiency and strategic initiatives undertaken during the quarter. Investors are keenly observing these figures to gauge future growth potential and market positioning. Q4 earnings results may moderately influence financial performance and investor sentiment.

3

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock with notable insider activity in February 2026. The article emphasizes the potential for growth and investment opportunities due to recent insider transactions, suggesting that these actions may indicate confidence in the company's future performance. Investors are encouraged to consider MVBF as part of their portfolio strategy, particularly in the context of small-cap investments that may be overlooked by the broader market. Insider activity suggests potential confidence in the company's future, which may moderately influence market sentiment and performance.

11 Feb

3

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock experiencing insider buying activity, indicating potential confidence from executives in the company's future performance. The article emphasizes the significance of insider transactions as a positive signal for investors, suggesting that such actions may lead to increased market interest and potential price appreciation for MVBF. The focus on small-cap stocks with insider action across various regions underscores a broader trend in the market, where investors are encouraged to consider these opportunities for potential growth. Insider buying activity may moderately influence investor sentiment and market performance for MVBF.

10 Feb

4

MVB Financial Corp. (MVBF) has been upgraded to a 'Buy' rating by analysts, indicating a positive outlook for the stock. This upgrade reflects confidence in the company's growth potential and financial stability, suggesting that investors may see favorable returns in the near future. The decision is based on recent performance metrics and market conditions that favor MVBF's business model. The upgrade to 'Buy' signals significant positive sentiment and potential for improved market performance.

3

Middlefield Banc Corp. (MBCN) reported Q4 earnings and revenue that fell short of analysts' expectations, leading to concerns about its financial performance. The company cited various challenges impacting its results, which may affect investor sentiment and future growth prospects. Earnings miss could moderately influence investor confidence and financial performance.

3

Mvb Financial Corp. (MVBF) is highlighted as one of three undervalued small-cap stocks experiencing insider buying activity. The article emphasizes the potential for growth in MVBF, particularly in the context of its financial performance and market positioning. Insider purchases are viewed as a positive signal, indicating confidence in the company's future prospects. The broader market context is also considered, with insights into how these small caps may perform amid global economic conditions. Insider buying suggests confidence in MVBF's future, which may moderately influence its market performance.

5 Feb

4

MVB Financial Corp. (MVBF) is positioned as a strong long-term investment due to its strategic growth initiatives, robust financial performance, and commitment to innovation in the banking sector. The company has shown resilience in adapting to market changes and is focused on expanding its services, which enhances its competitive edge. Additionally, MVB's emphasis on technology and customer experience is expected to drive future growth, making it an appealing choice for investors seeking stability and potential returns. Strategic growth initiatives and a focus on innovation are likely to significantly impact MVB Financial's future performance and investor sentiment.

3

MVB Financial Corp. (MVBF) is expected to report a decline in earnings for the fourth quarter. Analysts predict that the company's financial performance will be negatively impacted due to various market conditions and operational challenges. Investors are closely monitoring these developments as they could influence future performance and market sentiment. A decline in earnings is likely to moderately affect financial performance and investor sentiment.

30 Jan

4

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock with notable insider buying activity in January 2026. This trend suggests confidence from company executives in the stock's future performance, potentially indicating a positive outlook for investors. The article emphasizes the significance of insider actions as a bullish signal in the market, particularly for small-cap stocks like MVBF, which may be poised for growth. Insider buying activity often signals strong confidence in a company's future, which can significantly influence market sentiment and performance.

29 Jan

3

Mvb Financial Corp. (MVBF) is highlighted as one of the top undervalued small-cap stocks for January 2026, attracting attention due to recent insider buying activity. The article emphasizes the potential for growth in MVBF, suggesting that the company's current valuation does not reflect its underlying performance and prospects. Insider actions are viewed as a positive signal, indicating confidence from those within the company. The analysis includes comparisons with other small-cap stocks across various regions, reinforcing the notion that MVBF is positioned for potential upward movement in the market. Insider buying activity suggests confidence in the company's future, which may moderately influence market sentiment and performance.

27 Jan

5

Needham has upgraded Affirm, suggesting that obtaining a bank license could significantly enhance its business model and competitive edge. This development is viewed as a potential game-changer for the company, indicating a shift in its operational capabilities and market positioning. The potential acquisition of a bank license could fundamentally redefine Affirm's competitive position and long-term prospects.

3

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock with notable insider activity, suggesting potential growth opportunities. The article emphasizes the importance of monitoring insider transactions as indicators of future performance and market sentiment. Investors are encouraged to consider MVBF among other small-cap stocks showing similar trends in January 2026. Insider activity may influence investor sentiment and financial performance, but the overall effect is expected to be limited.

22 Jan

4

MVB Financial Corp. (NASDAQ:MVBF) has a strong institutional backing, with 56% of its shares owned by institutional investors. This significant ownership indicates confidence in the company's stability and growth potential, which may positively influence its market performance and investor sentiment. Strong institutional ownership typically signals confidence in the company's future prospects and can lead to increased market stability and investor interest.

12 Jan

3

Mvb Financial Corp. (MVBF) is highlighted as one of three undervalued small-cap stocks showing insider buying activity. The article emphasizes the potential for growth in MVBF, particularly in the context of its financial performance and market positioning. Insider purchases are viewed as a positive signal, suggesting confidence in the company's future prospects. The analysis includes insights into the broader market trends affecting small-cap stocks and the significance of insider actions in evaluating investment opportunities. Insider buying indicates confidence in the company's future, which may moderately influence market sentiment and performance.

9 Jan

3

Mvb Financial Corp. (MVBF) is highlighted as an undervalued small-cap stock with notable insider activity, suggesting potential growth opportunities. The article emphasizes the importance of monitoring insider transactions as indicators of future performance. Investors are encouraged to consider MVBF alongside other small-cap stocks exhibiting similar insider trends in January 2026. Insider activity may influence investor sentiment and market performance, but its overall impact on the company's trajectory is expected to be limited.

stockrow.com/MVBF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com