MVB FINANCIAL CORP (MVBF) Stock Fundamental Analysis
USA - NASDAQ:MVBF - US5538101024 - Common Stock
23.95 USD
-0.22 (-0.91%)
23.75 USD
-0.2 (-0.84%)
We assign a fundamental rating of 2 out of 10 to MVBF. MVBF was compared to 392 industry peers in the Banks industry. MVBF has a bad profitability rating. Also its financial health evaluation is rather negative. MVBF is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
MVBF had positive earnings in the past year.
In the past year MVBF had a positive cash flow from operations.
MVBF had positive earnings in each of the past 5 years.
MVBF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of MVBF (0.53%) is worse than 71.94% of its industry peers.
Looking at the Return On Equity, with a value of 5.66%, MVBF is doing worse than 71.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 5.66% | ||
| ROIC | N/A |
ROA(3y)0.69%
ROA(5y)1.01%
ROE(3y)7.7%
ROE(5y)10.56%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of MVBF (11.65%) is worse than 79.59% of its industry peers.
MVBF's Profit Margin has declined in the last couple of years.
MVBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.13%
PM growth 5Y-9.18%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MVBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MVBF has been increased compared to 1 year ago.
The number of shares outstanding for MVBF has been increased compared to 5 years ago.
The debt/assets ratio for MVBF has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MVBF is 4.10, which is a neutral value as it means it would take MVBF, 4.10 years of fcf income to pay off all of its debts.
MVBF has a worse Debt to FCF ratio (4.10) than 63.01% of its industry peers.
MVBF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, MVBF is doing worse than 63.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MVBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.13%.
The Earnings Per Share has been decreasing by -5.96% on average over the past years.
MVBF shows a small growth in Revenue. In the last year, the Revenue has grown by 2.05%.
Measured over the past years, MVBF shows a small growth in Revenue. The Revenue has been growing by 4.17% on average per year.
EPS 1Y (TTM)-16.13%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%-51.61%
Revenue 1Y (TTM)2.05%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%-2.84%
3.2 Future
Based on estimates for the next years, MVBF will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.08% on average per year.
Based on estimates for the next years, MVBF will show a small growth in Revenue. The Revenue will grow by 7.47% on average per year.
EPS Next Y-31.33%
EPS Next 2Y15.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.19%
Revenue Next 2Y7.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.42 indicates a rather expensive valuation of MVBF.
Compared to the rest of the industry, the Price/Earnings ratio of MVBF indicates a slightly more expensive valuation: MVBF is more expensive than 76.53% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. MVBF is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.82 indicates a reasonable valuation of MVBF.
MVBF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MVBF is more expensive than 63.78% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.73. MVBF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.42 | ||
| Fwd PE | 11.82 |
4.2 Price Multiples
MVBF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MVBF is more expensive than 60.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as MVBF's earnings are expected to grow with 15.08% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.08%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.81%, MVBF has a reasonable but not impressive dividend return.
MVBF's Dividend Yield is comparable with the industry average which is at 3.65.
MVBF's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
5.2 History
On average, the dividend of MVBF grows each year by 23.42%, which is quite nice.
MVBF has been paying a dividend for at least 10 years, so it has a reliable track record.
MVBF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)23.42%
Div Incr Years0
Div Non Decr Years16
5.3 Sustainability
51.71% of the earnings are spent on dividend by MVBF. This is a bit on the high side, but may be sustainable.
The dividend of MVBF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP51.71%
EPS Next 2Y15.08%
EPS Next 3YN/A
23.95
-0.22 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.72%
Inst Owner Change-3.51%
Ins Owners7.5%
Ins Owner Change2.89%
Market Cap304.88M
Analysts82.22
Price Target26.18 (9.31%)
Short Float %1.59%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
Yearly Dividend0.68
Dividend Growth(5Y)23.42%
DP51.71%
Div Incr Years0
Div Non Decr Years16
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.68%
Min EPS beat(2)-43.44%
Max EPS beat(2)28.08%
EPS beat(4)2
Avg EPS beat(4)22.61%
Min EPS beat(4)-52.47%
Max EPS beat(4)158.25%
EPS beat(8)3
Avg EPS beat(8)11.57%
EPS beat(12)5
Avg EPS beat(12)6.07%
EPS beat(16)7
Avg EPS beat(16)12.16%
Revenue beat(2)0
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-4.46%
Max Revenue beat(2)-4.23%
Revenue beat(4)1
Avg Revenue beat(4)0.15%
Min Revenue beat(4)-21.68%
Max Revenue beat(4)30.97%
Revenue beat(8)2
Avg Revenue beat(8)-2.81%
Revenue beat(12)2
Avg Revenue beat(12)-6.02%
Revenue beat(16)4
Avg Revenue beat(16)-4.43%
PT rev (1m)0%
PT rev (3m)22.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-28.21%
EPS NY rev (1m)-14.88%
EPS NY rev (3m)-13.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.06%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.42 | ||
| Fwd PE | 11.82 | ||
| P/S | 2.08 | ||
| P/FCF | 16.24 | ||
| P/OCF | 15.51 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.3
EY5.43%
EPS(NY)2.03
Fwd EY8.46%
FCF(TTM)1.47
FCFY6.16%
OCF(TTM)1.54
OCFY6.45%
SpS11.53
BVpS23.75
TBVpS23.75
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 5.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11.65% | ||
| GM | N/A | ||
| FCFM | 12.78% |
ROA(3y)0.69%
ROA(5y)1.01%
ROE(3y)7.7%
ROE(5y)10.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.13%
PM growth 5Y-9.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 4.1 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.63% | ||
| Cap/Sales | 0.61% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 109.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC21.9%
ROIC/WACCN/A
Cap/Depr(3y)45.36%
Cap/Depr(5y)90.55%
Cap/Sales(3y)1.47%
Cap/Sales(5y)2.4%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.13%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%-51.61%
EPS Next Y-31.33%
EPS Next 2Y15.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.05%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%-2.84%
Revenue Next Year0.19%
Revenue Next 2Y7.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-81.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-81.5%
OCF growth 3YN/A
OCF growth 5YN/A