MVB Financial Income 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	Sep '26 Sep 30, 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
Interest Income on Loans	159.03	146.37	156.34	163.2	120.82	80.52
Interest Income on Investments	28.96	28.96	29.51	26.62	5.13	2.91
Total Interest Income	187.99	175.32	185.84	189.82	125.96	83.43
Interest Paid on Deposits	62.87	64.49	73.11	61.66	10.48	3.98
Interest Paid on Borrowings	3.42	3.42	3.54	4.88	3.68	2.29
Total Interest Expense	66.29	67.92	76.64	66.54	14.15	6.27
Net Interest Income	121.7	107.41	109.2	123.28	111.8	77.16
Net Interest Income Growth	17.10%	-1.64%	-11.43%	10.27%	44.90%	12.11%
Gain (Loss) on Sale of Assets	-0.9	33.8	11.7	-1.1	4.98	-
Gain (Loss) on Sale of Investments	14.64	-3.66	1.95	-1.66	0.93	7.66
Gain (Loss) on Sale of Equity Investments	8.25	8.15	1.42	-2.5	-0.71	17.43
Other Non-Interest Income	23.04	21.47	26.81	25.6	20.72	15.81
Total Non-Interest Income	44.89	59.61	42.91	19.6	27.57	45.07
Non-Interest Income Growth	-36.64%	38.91%	118.93%	-28.89%	-38.84%	-39.26%
Revenues Before Loan Losses	166.59	167.02	152.11	142.88	139.37	122.23
Provision for Loan Losses	18.62	8.74	3.54	-1.92	14.19	-6.28
Revenue	147.97	158.28	148.57	144.81	125.17	128.5
Revenue Growth	-11.85%	6.54%	2.60%	15.68%	-2.59%	1.63%
Salaries and Employee Benefits	64.49	67.18	65.04	60.71	59.32	49.76
Federal Deposit Insurance	3.64	3.64	4.17	4.44	2.61	2.03
Selling, General & Administrative	40.67	40.67	44.84	41.96	39.46	34.93
Other Non-Interest Expense	11.05	10.59	8.17	10.51	8.77	5.09
Total Non-Interest Expense	119.86	122.09	122.23	117.63	110.15	91.81
EBT Excluding Unusual Items	28.11	36.2	26.34	27.18	15.03	36.7
Other Unusual Items	0.65	0.65	-	0.11	-	10.78
Pretax Income	28.77	36.85	26.34	27.29	15.03	47.48
Income Tax Expense	6.67	9.93	6.1	5.07	3.29	9.64
Earnings From Continuing Operations	22.1	26.92	20.25	22.22	11.73	37.84
Earnings From Discontinued Operations	-	-	-	8.78	2.65	0.86
Minority Interest in Earnings	-	0.02	-0.15	0.23	0.66	0.43
Net Income	22.1	26.94	20.09	31.23	15.05	39.12
Preferred Dividends & Other Adjustments	-	-	-	-	-	0.04
Net Income to Common	22.1	26.94	20.09	31.23	15.05	39.09
Net Income Growth	-31.28%	34.09%	-35.67%	107.56%	-61.50%	5.78%
Basic Shares Outstanding	13	13	13	13	12	12
Diluted Shares Outstanding	13	13	13	13	13	13
Shares Change	0.52%	-0.24%	1.07%	0.98%	2.04%	4.35%
EPS (Basic)	1.72	2.11	1.56	2.46	1.23	3.32
EPS (Diluted)	1.68	2.06	1.53	2.40	1.17	3.10
EPS Growth	-31.36%	34.64%	-36.13%	105.44%	-62.36%	1.24%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.680	0.680	0.680	0.680	0.680	0.510
Dividend Growth	0%	0%	0%	0%	33.33%	41.67%
Effective Tax Rate	23.18%	26.94%	23.15%	18.58%	21.92%	20.31%

SEC Filings: 10-K · 10-Q