MVB FINANCIAL CORP

MVBF

MVB FINANCIAL CORP

MVBF

Insider Sentiment (TTM):

Last Purchase:2026-06-12Last Sale:2025-05-01Shares Purchased (TTM):4,335Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,944,402Shares Outstanding:12,795,271Institutional Ownership Pct.:54.27%

Earnings Market Reaction:

Filing Date:2026-08-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents…
Cash And Due From Banks	10	9	11	10	8	7	8	5	4	5	7	8
Interest Bearing Deposits In Banks	302	168	234	290	391	245	310	606	452	636	392	579
Cash And Cash Equivalents At Carrying Value	313	178	244	300	399	251	318	611	456	640	398	587
Debt Securities Available For Sale Excluding Accru…	430	422	411	325	397	420	411	375	361	350	345	312
Equity Securities Fv Ni	63	51	51	44	44	44	43	42	41	41	41	41
Loans Receivable Held For Sale Amount	-	-	-	-	-	-	0	0	0	0	1	8
Financing Receivable Excluding Accrued Interest Be…	-	2,404	2,343	2,259	2,153	2,063	2,100	2,171	2,207	2,267	2,318	2,270
Financing Receivable Allowance For Credit Loss Exc…	-	-23	-22	-23	-21	-19	-20	-21	-22	-23	-22	-24
Financing Receivable Excluding Accrued Interest Af…	-	2,381	2,321	2,236	2,133	2,044	2,080	2,150	2,185	2,245	2,295	2,246
Property Plant And Equipment And Finance Lease Rig…	-	10	10	10	11	11	12	19	20	20	21	21
Bank Owned Life Insurance	57	57	56	56	46	46	45	45	45	45	44	44
Equity Method Investments	90	89	87	84	81	79	78	77	76	76	76	77
Assets Of Disposal Group Including Discontinued Op…	-	-	0	0	0	0	2	-	-	-	0	0
Interest Receivable And Other Assets	135	135	129	178	113	124	138	100	105	131	92	99
Assets	3,546	3,322	3,309	3,233	3,224	3,020	3,129	3,419	3,288	3,547	3,314	3,438
Goodwill	-	-	-	-	-	-	-	-	-	-	3	3
Liabilities And Stockhold…
Deposits Liabilities Bala…
Noninterest Bearing Deposit Liabilities Domestic	1,069	1,011	1,145	1,027	1,050	1,033	941	989	984	1,391	1,197	1,094
Interest Bearing Deposit Liabilities Domestic	2,042	1,886	1,697	1,749	1,754	1,551	1,753	2,013	1,899	1,754	1,704	1,945
Deposits Domestic	3,111	2,897	2,842	2,776	2,804	2,584	2,694	3,002	2,883	3,145	2,901	3,039
Accrued Liabilities Current And Noncurrent	32	32	56	52	40	48	52	35	32	26	38	41
Securities Sold Under Agreements To Repurchase	4	4	3	3	3	4	3	5	2	4	5	5
Subordinated Debt	34	34	74	74	74	74	74	74	74	74	74	73
Liabilities Of Disposal Group Including Discontinu…	-	-	0	0	0	0	1	-	-	-	0	0
Secured Debt	-	-	-	-	-	-	0	0	0	7	7	8
Line Of Credit	20	20	-	-	-	-	-	-	-	-	-	-
Liabilities	3,201	2,987	2,975	2,905	2,922	2,710	2,823	3,116	2,991	3,256	3,025	3,166
Stockholders Equity
Common Stock Value	14	14	14	14	14	14	14	14	14	14	14	14
Additional Paid In Capital Common Stock	173	172	170	168	166	166	165	164	163	163	160	160
Retained Earnings Accumulated Deficit	203	193	190	188	173	174	172	165	165	163	161	155
Accumulated Other Comprehensive Income Loss Net Of…	-18	-18	-14	-15	-28	-26	-28	-22	-28	-31	-29	-40
Treasury Stock Common Value	-28	-27	-27	-27	-23	-17	-17	-17	-17	-17	-17	-17
Stockholders Equity	345	335	334	328	302	310	306	303	297	292	289	271
Minority Interest	-	-	0	0	0	0	0	0	0	-0	-0	-0
Liabilities And Stockholders Equity	3,546	3,322	3,309	3,233	3,224	3,020	3,129	3,419	3,288	3,547	3,314	3,438
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	14	14	14	14	14	14	14	14	14	14	14	14
Shares Outstanding	13	13	13	13	13	13	13	13	13	13	13	13
Treasury Stock Common Shares	1	1	1	1	1	1	1	1	1	1	1	1

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.88%	12.21%	12.64%	-	-	-	-	-	-	-	-	-
2025	11.78%	27.49%	34.98%	6.16%	8.55%	16.38%	2.04%	-1.42%	6.82%	-1.74%	1.54%	5.77%
2024	1.42%	0.93%	34.13%	2.60%	-6.83%	-3.80%	14.60%	9.34%	3.82%	-3.59%	5.12%	16.05%
2023	-	-	-	-8.23%	-12.64%	-24.06%	8.42%	13.76%	15.07%	3.26%	-11.26%	-9.42%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.55	-0.65	-0.66	-0.58	-0.78	-0.76	-0.33	0.08	0.65	1.41	1.55	1.63
Per Share Metrics
Diluted EPS TTM	2.94	2.16	2.06	2.47	1.30	1.46	1.53	1.42	1.57	1.86	2.40	2.23
Free Cash Flow Per Share TTM	-2.92	-2.75	0.17	0.55	1.45	2.95	-0.15	2.00	2.12	2.80	4.44	3.34
Dividend Per Share TTM	0.67	0.68	0.68	0.70	0.98	0.94	0.94	0.93	0.63	0.67	0.68	0.68
Margin Metrics
Gross Profit Margin TTM	63.19%	61.73%	61.26%	60.11%	59.30%	59.06%	58.76%	53.70%	54.92%	55.70%	58.61%	69.47%
Operating Profit Margin TTM	28.16%	21.90%	21.02%	25.24%	13.12%	14.17%	14.18%	12.19%	13.26%	15.47%	14.38%	14.04%
Net Profit Margin TTM	21.19%	16.14%	15.37%	18.56%	9.72%	10.72%	10.81%	9.73%	10.57%	12.49%	16.45%	16.16%
Growth Metrics
Net Revenue Growth (1Y)	4.43%	-1.21%	-5.66%	-10.18%	-9.72%	-8.22%	-2.09%	6.45%	16.70%	32.30%	50.70%	66.96%
Net Income Growth (1Y)	127.69%	48.79%	34.09%	71.35%	-16.98%	-21.28%	-35.67%	-35.91%	-26.46%	6.59%	117.08%	57.75%
EPS Growth (1Y)	128.44%	50.57%	35.30%	75.59%	-17.16%	-22.11%	-36.65%	-36.93%	-27.57%	5.03%	109.99%	51.76%
Valuation Metrics
P/E TTM	9.62	11.06	12.10	9.67	16.64	11.29	12.71	12.69	11.03	10.95	8.49	9.03
P/B TTM	1.08	0.94	0.98	0.95	0.94	0.70	0.84	0.78	0.76	0.91	0.92	0.97
P/S TTM	2.04	1.78	1.86	1.79	1.62	1.21	1.37	1.23	1.17	1.37	1.40	1.46
Market Cap	373.36M	315.69M	325.90M	310.27M	283.47M	216.66M	255.42M	237.70M	226.27M	266.81M	265.19M	263.76M
Enterprise Value	60.76M	138.05M	81.78M	10.23M	-115.91M	-34.79M	-62.49M	-373.21M	-229.24M	-373.62M	-133.04M	-323.34M
Calculated Values
Free Cash Flow TTM	-37.59M	-35.20M	2.11M	6.92M	18.76M	38.14M	-1.91M	25.85M	27.37M	35.82M	56.32M	42.51M
Net Debt	-312.60M	-177.64M	-244.13M	-300.04M	-399.38M	-251.45M	-317.91M	-610.91M	-455.52M	-640.43M	-398.23M	-587.10M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-12Purchase

Owner: Famularo, Adam Francis

Title: -

Shares: 1,835

Price/Share: -

Value: -

Shares Owned: 1,835

Relationship: Director

Ownership: Direct

2025-12-05Purchase

Owner: Cordella, Richard James J…

Title: -

Shares: 500

Price/Share: $27.70

Value: $13,850.00

Shares Owned: 500

Relationship: Director

Ownership: Direct

2025-11-03Purchase

Owner: Sumbs, Michael Robert

Title: Chief Financial Officer

Shares: 2,000

Price/Share: $26.00

Value: $52,000.00

Shares Owned: 2,000

Relationship: Officer

Ownership: Direct

2025-05-12Purchase

Owner: Rodriguez, Joseph Ryan

Title: Chief Risk Officer

Shares: 1,125

Price/Share: $19.20

Value: $21,600.00

Shares Owned: 5,250

Relationship: Officer

Ownership: Direct

2025-05-08Purchase

Owner: Rodriguez, Joseph Ryan

Title: Chief Risk Officer

Shares: 4,125

Price/Share: $18.00

Value: $74,250.00

Shares Owned: 4,125

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-12	Famularo, Adam Francis	Director	-	Direct	Purchase	1,835	-	-	1,835	4
2025-12-05	Cordella, Richard James J…	Director	-	Direct	Purchase	500	27.70	$13,850.00	500	4
2025-11-03	Sumbs, Michael Robert	Officer	Chief Financial Officer	Direct	Purchase	2,000	26.00	$52,000.00	2,000	4
2025-05-12	Rodriguez, Joseph Ryan	Officer	Chief Risk Officer	Direct	Purchase	1,125	19.20	$21,600.00	5,250	4/A
2025-05-08	Rodriguez, Joseph Ryan	Officer	Chief Risk Officer	Direct	Purchase	4,125	18.00	$74,250.00	4,125	4
2025-05-01	Mazza, Larry F	Director,Officer	CEO	Direct	Sale	6,962	17.49	$121,765.38	626,358	4
2025-05-01	Greathouse, Craig Bradley	Officer	Chief Administrative Officer	Direct	Sale	1,285	17.49	$22,474.65	25,103	4
2025-03-14	Robinson, Donald T	Officer	President and CFO	Direct	Purchase	1,450	17.23	$24,983.50	62,758	4
2025-03-12	Giorgio, Michael Louis	Officer	Chief Information Officer	Direct	Purchase	5,700	17.60	$100,320.00	7,504	4
2025-03-12	Becker, W Marston	Director	-	Direct	Purchase	5,780	-	-	60,059	4
2025-03-11	Herrick, Glen William	Director	-	Direct	Purchase	3,000	-	-	3,000	4
2025-03-11	Mazza, Larry F	Director,Officer	CEO	Direct	Purchase	5,818	-	-	613,636	4
2025-03-11	Maculaitis, Victor Ray	Director	-	Direct	Purchase	250	17.08	$4,270.00	250	4
2025-03-11	Robinson, Donald T	Officer	President and CFO	Direct	Purchase	1,450	-	-	61,308	4
2023-08-02	Giorgio, Michael Louis	Officer	Chief Information Officer	Direct	Purchase	1,804	25.96	$46,831.84	1,804	4
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Institutional Ownership

No data available for chart

2026-03-31

54.27%

Inst. Shares: 6,944,402

Shares Outstanding: 12,795,271

2025-12-31

53.39%

Inst. Shares: 6,820,462

Shares Outstanding: 12,775,242

2025-09-30

54.71%

Inst. Shares: 6,901,700

Shares Outstanding: 12,615,475

2025-06-30

51.35%

Inst. Shares: 6,629,960

Shares Outstanding: 12,912,113

2025-03-31

52.89%

Inst. Shares: 6,848,182

Shares Outstanding: 12,948,178

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,944,402	12,795,271	54.27%
2025-12-31	6,820,462	12,775,242	53.39%
2025-09-30	6,901,700	12,615,475	54.71%
2025-06-30	6,629,960	12,912,113	51.35%
2025-03-31	6,848,182	12,948,178	52.89%
2024-12-31	6,788,662	12,890,161	52.67%
2024-09-30	6,263,054	12,927,962	48.45%
2024-06-30	6,331,886	12,883,426	49.15%
2024-03-31	5,270,445	12,810,956	41.14%
2023-12-31	5,327,967	12,694,206	41.97%
2023-09-30	5,116,941	12,722,010	40.22%
2023-06-30	5,129,082	12,689,669	40.42%
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MVB FINANCIAL CORP (MVBF) — SEC Financial Statements & Analysis

MVB FINANCIAL CORP (MVBF) is a state commercial banks company, incorporated in WV. MVB FINANCIAL CORP trades on Nasdaq as: MVBF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), MVB FINANCIAL CORP reported a 4.43% year-over-year revenue growth, a Gross Profit Margin of 63.19% (TTM), a Price-to-Sales (P/S) ratio of 2.04x (TTM), a Price-to-Book (P/B) ratio of 1.08x (TTM), at a market cap of $373.36M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.43%
Gross Profit Margin TTM: 63.19%
P/S TTM: 2.04x
P/B TTM: 1.08x
Market Cap: $373.36M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is MVB FINANCIAL CORP in?

MVB FINANCIAL CORP (MVBF) operates in the State Commercial Banks industry.

What is MVBF's market cap?

MVB FINANCIAL CORP (MVBF) has a market capitalization of $373.36M as of 2026-06-30.

What is MVBF's P/E ratio?

MVB FINANCIAL CORP (MVBF)'s trailing twelve month P/E ratio is 9.62x as of 2026-06-30.

What exchange does MVBF trade on?

MVB FINANCIAL CORP (MVBF) trades on the Nasdaq.

Where is MVB FINANCIAL CORP incorporated?

MVB FINANCIAL CORP is incorporated in WV.