MVB Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	28.55	26.92	20.25	31.01	14.39	38.7
Depreciation & Amortization	2.25	2.6	3.93	5	5.32	4.2
Provision for Credit Losses	10.41	8.74	3.54	-1.92	14.19	-6.28
Stock-Based Compensation	3.94	3.8	2.91	2.66	3.22	3.21
Net Change in Loans Held-for-Sale	-	-	0.86	28.92	-21.78	-8.01
Other Adjustments	-6.48	-4.32	-10.41	-3.89	6.88	1.75
Changes in Other Operating Activities	-37.39	0.98	-21.36	-4.53	-14.86	1.25
Operating Cash Flow	-33.41	4.03	-0.29	58.23	7.35	34.82
Operating Cash Flow Growth	-	-	-	691.96%	-78.88%	-68.98%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	-	-	-5.48	10.04
Net Change in Loans Held-for-Investment	-348.16	-251.06	200.83	54.03	-514.64	-460.67
Net Change in Securities and Investments	-0.57	10.58	-70.06	41.64	-7.99	-21.36
Payments for Business Acquisitions	-	-	-	-3.94	-	-96.27
Proceeds from Business Divestments	-3.46	45.75	17.31	-0.01	-	-
Capital Expenditures	-1.79	-1.92	-1.62	-1.92	-3.04	-4.87
Sale of Property, Plant & Equipment	1.44	2.2	0.17	0.96	1.53	4.12
Other Investing Activities	-2.5	-14.15	-2.16	-2.52	-41.5	-2.94
Investing Cash Flow	-318.49	-208.6	144.46	88.25	-571.13	-571.95
Net Change in Deposits	313.55	147.23	-207.86	330.99	192.88	558.34
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	0.38	0.58	-2.06	-5.22	-1.35	1.12
Short-Term Debt Issued	20	-	-	-	-	-
Net Short-Term Debt Issued (Repaid)	20	-	-	-	-	-
Long-Term Debt Issued	-	-	-	-102.33	112.33	30
Long-Term Debt Repaid	-40	-	-6.85	-3.03	-0.13	-
Net Long-Term Debt Issued (Repaid)	-40	-	-6.85	-105.36	112.21	30
Issuance of Common Stock	4.16	2.3	1.49	0.64	2.07	4.93
Repurchase of Common Stock	-7.81	-10.62	-0.44	-0.85	-0.67	-0.25
Net Common Stock Issued (Repurchased)	-3.65	-8.32	1.05	-0.21	1.4	4.68
Repurchase of Preferred Stock	-	-	-	-	-	-7.33
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	-7.33
Common Dividends Paid	-8.69	-8.71	-8.77	-8.64	-8.36	-6.04
Preferred Share Dividends Paid	-	-	-	-	-	-0.04
Other Financing Activities	-0.18	-	-	-0.1	-0.16	-0.05
Financing Cash Flow	278.08	130.79	-224.49	211.47	296.62	580.68
Net Cash Flow	-73.82	-73.79	-80.32	357.95	-267.16	43.54
Free Cash Flow	-35.2	2.11	-1.91	56.32	4.31	29.95
Free Cash Flow Growth	-	-	-	1206.08%	-85.60%	-71.64%
FCF Margin	-21.92%	1.33%	-1.28%	38.86%	3.44%	21.50%
Free Cash Flow Per Share	-2.69	0.16	-0.15	4.33	0.34	2.37
Levered Free Cash Flow	-28.39	28.61	-5.8	-75.58	114.67	69.67
Unlevered Free Cash Flow	-36.94	1.67	-19.05	-1.45	-12.58	0.58

Updated May 6, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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