MVB Financial Corp. (MVBF)

MVB Financial Statistics

Total Valuation

MVB Financial has a market cap or net worth of $327.13 million. The enterprise value is $100.50 million.

Market Cap	327.13M
Enterprise Value	100.50M

Important Dates

The last earnings date was Wednesday, October 29, 2025, after market close.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Aug 29, 2025

Share Statistics

MVB Financial has 12.57 million shares outstanding. The number of shares has increased by 0.47% in one year.

Current Share Class	12.57M
Shares Outstanding	12.57M
Shares Change (YoY)	+0.47%
Shares Change (QoQ)	-0.85%
Owned by Insiders (%)	9.26%
Owned by Institutions (%)	59.54%
Float	11.41M

Valuation Ratios

The trailing PE ratio is 10.59 and the forward PE ratio is 14.76.

PE Ratio	10.59
Forward PE	14.76
PS Ratio	1.99
Forward PS	2.11
PB Ratio	1.00
P/TBV Ratio	1.00
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.13
EV / Sales	0.60
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.19%.

Return on Equity (ROE)	10.19%
Return on Assets (ROA)	0.97%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$370,536
Profits Per Employee	$70,982
Employee Count	453
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MVB Financial has paid $11.50 million in taxes.

Income Tax	11.50M
Effective Tax Rate	26.35%

Stock Price Statistics

The stock price has increased by +36.13% in the last 52 weeks. The beta is 1.06, so MVB Financial's price volatility has been similar to the market average.

Beta (5Y)	1.06
52-Week Price Change	+36.13%
50-Day Moving Average	25.22
200-Day Moving Average	21.18
Relative Strength Index (RSI)	51.63
Average Volume (20 Days)	34,383

Short Selling Information

The latest short interest is 203,318, so 1.62% of the outstanding shares have been sold short.

Short Interest	203,318
Short Previous Month	197,702
Short % of Shares Out	1.62%
Short % of Float	1.78%
Short Ratio (days to cover)	5.33

Income Statement

In the last 12 months, MVB Financial had revenue of $167.85 million and earned $32.16 million in profits. Earnings per share was $2.45.

Revenue	167.85M
Gross Profit	167.85M
Operating Income	47.80M
Pretax Income	43.63M
Net Income	32.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.45

Balance Sheet

The company has $300.04 million in cash and $73.98 million in debt, giving a net cash position of $226.07 million or $17.98 per share.

Cash & Cash Equivalents	300.04M
Total Debt	73.98M
Net Cash	226.07M
Net Cash Per Share	$17.98
Equity (Book Value)	327.75M
Book Value Per Share	26.07
Working Capital	-2.48B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	28.48%
Pretax Margin	25.99%
Profit Margin	19.16%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 2.62%.

Dividend Per Share	$0.68
Dividend Yield	2.62%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	27.77%
Buyback Yield	-0.47%
Shareholder Yield	2.15%
Earnings Yield	9.85%
FCF Yield	n/a

Analyst Forecast

The average price target for MVB Financial is $26.60, which is 2.21% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$26.60
Price Target Difference	2.21%
Analyst Consensus	Strong Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 2, 2014. It was a forward split with a ratio of 2:1.

Last Split Date	Apr 2, 2014
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2