Saturday 17 October 2026 Export MVBF’s income statement to Excel — free account

Mvb Financial Corp.

Mvb Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $235.6 million, up 2.99% from fiscal 2024. In the quarter to June 2026, revenue grew 33.9%, EPS grew 493.8%, free cash flow fell 42.3% and total debt fell 26.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

29.23 0.16 +0.55%

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Market cap: $377.0M
P/E: 9.6×
Fwd P/E: 12.3×
Dividend yield: 2.33%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	1	—	—	—	—	—	1	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 9.63%

Capital & Financial Ratios $m

Market Cap 376.96

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 9.58

Fwd P/E 12.30

P/S ratio 1.47

P/B ratio 1.09

Past 5Y EPS Growth (7.61%)

This Y EPS Growth (13.87%)

Next Y EPS Growth 44.15%

Next Y revenue growth (33.10%)

Next 5Y EPS Growth 12.72%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 27.79%

10-year low 10-year high

P/S against its own 10 years 48.58%

10-year low 10-year high

P/B against its own 10 years 56.58%

10-year low 10-year high

Dividends

Payout Ratio 0.23

Annual Dividend Rate 0.68

Annual Dividend Yield 2.33%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

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 $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	14.00	20.40	20.10	27.00	24.98	45.94	44.22	27.49	25.24	28.96
People
People	Employees	382	397	—	443	344	458	477	445	453	403
	Revenue/emp, $m	0.25	0.25	0.00	0.33	0.50	0.30	0.32	0.47	0.50	0.58
Income, $m
Income, $m	Revenue	97	97	108	147	172	139	154	210	229	236
	Gross margin, %	88.56	87.36	83.67	84.38	93.25	95.50	90.78	68.25	66.50	71.17
	EBT	13	12	15	35	47	47	15	27	26	37
	EBT margin, %	13.72	12.67	14.18	23.82	27.25	34.09	9.79	13.03	11.52	15.64
	Net income	13	8	12	27	37	39	14	31	20	27
	Depreciation	4	4	4	4	7	11	10	8	8	4
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
	Earnings	1.51	0.69	1.04	2.26	3.13	3.32	1.23	2.46	1.56	2.11
	Cash flow	3.08	3.21	0.61	(0.69)	9.49	2.96	0.60	4.59	(0.02)	0.32
	Capex	(0.11)	(0.41)	(0.18)	(0.11)	0.29	(0.06)	(0.12)	(0.07)	1.23	0.02
	Free cash flow	2.96	2.81	0.43	(0.80)	9.78	2.89	0.48	4.51	1.21	0.34
	Book value	17.73	14.57	16.03	18.09	20.26	23.37	21.29	22.79	23.72	26.14
	Shares, m	8	10	11	12	12	12	12	13	13	13
Valuation, ×
Valuation, ×	P/E	8.65	29.41	17.35	10.98	7.29	12.51	17.74	9.09	13.27	12.13
	P/S	1.08	2.12	1.84	1.99	1.56	3.51	1.73	1.35	1.17	1.40
	P/B	0.81	1.45	1.18	1.43	1.16	1.78	1.02	0.98	0.87	0.99
	EV/Sales	2.03	3.67	3.64	3.26	0.21	1.81	2.61	(0.19)	0.10	0.68
	EV/FCF	8.12	12.33	83.77	(51.04)	0.31	7.40	68.64	(0.71)	1.46	37.05
Cash, $m
Cash, $m	Operating cash flow	25	33	7	(8)	112	35	7	58	0	4
	Capex	(1)	(4)	(2)	(1)	3	(1)	(2)	(1)	16	0
	Free cash flow	24	29	5	(9)	116	34	6	57	16	4
Balance, $m
Balance, $m	Working capital	41	27	99	249	(272)	(217)	(126)	(164)	(212)	(207)
	Total debt	124	186	232	227	43	73	176	74	74	74
	Net debt	93	151	195	186	(232)	(237)	135	(325)	(244)	(170)
	Shareholders’ equity	146	150	177	212	239	275	261	289	306	334
Returns, %
Returns, %	ROA	0.84	0.48	0.70	1.43	1.73	1.53	0.51	0.98	0.62	0.84
	ROIC	3.50	2.56	2.58	5.49	407.83	77.73	2.37	0.00	26.70	14.05
	ROE	10.35	5.21	7.40	14.19	16.92	15.40	5.61	11.34	6.75	8.42

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PCB PCB Bancorp	$390.4M	9.6×	8.7×	+1.21% (above 0%: growing)	+15.87% (above 0%: growing)	−67.53% (below 0%: shrinking)	57.65%	0.00%	Compare
CHMG Chemung Financial Corp	$383.8M	11.6×	9.9×	+85.38% (above 0%: growing)	n/m	−18.05% (below 0%: shrinking)	75.31%	0.00%	Compare
PKBK Parke Bancorp, Inc.	$383.7M	8.3×	—	+9.73% (above 0%: growing)	+48.57% (above 0%: growing)	−12.38% (below 0%: shrinking)	60.74%	0.00%	Compare
FRST Primis Financial Corp.	$382.9M	7.2×	12.8×	+19.34% (above 0%: growing)	+285.01% (above 0%: growing)	+85.35% (above 0%: growing)	71.20%	0.00%	Compare
FNLC First Bancorp, Inc (ME)	$381.4M	10.1×	10.2×	+1.24% (above 0%: growing)	+17.81% (above 0%: growing)	−281.41% (below 0%: shrinking)	58.03%	0.00%	Compare
NECB Northeast Community Bancorp Inc.	$381.0M	8.6×	8.3×	−5.64% (below 0%: shrinking)	−11.76% (below 0%: shrinking)	−14.85% (below 0%: shrinking)	68.91%	0.00%	Compare
CZFS Citizens Financial Services Inc.	$380.6M	9.4×	7.9×	+2.61% (above 0%: growing)	+20.45% (above 0%: growing)	−106.85% (below 0%: shrinking)	68.26%	0.00%	Compare
MVBF Mvb Financial Corp.	$377.0M	9.6×	12.3×	+33.88% (above 0%: growing)	+493.75% (above 0%: growing)	−42.33% (below 0%: shrinking)	75.80%	0.00%
NWFL Norwood Financial Corp.	$364.8M	11.7×	10.1×	+28.48% (above 0%: growing)	+28.36% (above 0%: growing)	+65.58% (above 0%: growing)	68.32%	0.00%	Compare
Median of peers	$382.1M	9.5×	9.9×	+6.17%	+20.45%	−16.45%	68.29%	0.00%

All 323 Banks Regional stocks →

Mvb Financial Corp. (MVBF) key facts

Strength: Mvb Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $235.6 million, up 2.99% from fiscal 2024.
Mvb Financial Corp. (MVBF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, MVBF traded at $29.23, a market capitalization of $377.0 million.
Mvb Financial Corp. pays an annual dividend of $0.68 per share, a yield of 2.33%, with a payout ratio of 23.0%.
Return on equity was 8.42% and debt-to-equity 0.16.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.