MVB FINANCIAL CORP(NASDAQ:MVBF) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, MVBF scores 3 out of 10 in our fundamental rating. MVBF was compared to 395 industry peers in the Banks industry. MVBF has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, MVBF is valued expensive at the moment. Finally MVBF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year MVBF was profitable.

In the past year MVBF has reported a negative cash flow from operations.

In the past 5 years MVBF has always been profitable.

MVBF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of MVBF (0.64%) is worse than 65.82% of its industry peers.

Looking at the Return On Equity, with a value of 6.57%, MVBF is doing worse than 66.33% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	6.57%
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 (13.21%) is worse than 79.75% of its industry peers.

In the last couple of years the Profit Margin of MVBF has declined.

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)	13.21%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MVBF does not have a ROIC to compare to the WACC, probably because it is not profitable.

MVBF has more shares outstanding than it did 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

MVBF has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

MVBF's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. MVBF is outperformed by 63.80% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC24.89%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for MVBF have decreased strongly by -21.93% in the last year.

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 1.82%.

MVBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.17% yearly.

EPS 1Y (TTM)-21.93%

EPS 3Y-20.8%

EPS 5Y-5.96%

EPS Q2Q%-20.59%

Revenue 1Y (TTM)1.82%

Revenue growth 3Y2.85%

Revenue growth 5Y4.17%

Sales Q2Q%-11.31%

3.2 Future

MVBF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.91% yearly.

Based on estimates for the next years, MVBF will show a small growth in Revenue. The Revenue will grow by 7.03% on average per year.

EPS Next Y-19.78%

EPS Next 2Y19.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.43%

Revenue Next 2Y7.03%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.67 indicates a correct valuation of MVBF.

The rest of the industry has a similar Price/Earnings ratio as MVBF.

MVBF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.85.

With a Price/Forward Earnings ratio of 8.41, the valuation of MVBF can be described as very reasonable.

Based on the Price/Forward Earnings ratio, MVBF is valued a bit cheaper than 78.73% of the companies in the same industry.

MVBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.89, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	8.41

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

MVBF's earnings are expected to grow with 19.91% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y19.91%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.79%, MVBF has a reasonable but not impressive dividend return.

MVBF's Dividend Yield is a higher than the industry average which is at 3.42.

Compared to an average S&P500 Dividend Yield of 2.40, MVBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.79%

5.2 History

The dividend of MVBF is nicely growing with an annual growth rate of 23.42%!

MVBF has been paying a dividend for at least 10 years, so it has a reliable track record.

MVBF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)23.42%

Div Incr Years0

Div Non Decr Years16

5.3 Sustainability

43.66% 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.

DP43.66%

EPS Next 2Y19.91%

EPS Next 3YN/A

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MVB FINANCIAL CORP

NASDAQ:MVBF (5/14/2025, 8:00:02 PM)

After market: 18.5 0 (0%)

18.5

-0.02 (-0.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)07-28 2025-07-28/amc

Inst Owners52.58%

Inst Owner Change1.2%

Ins Owners8.27%

Ins Owner Change1.86%

Market Cap239.57M

Analysts80

Price Target21.42 (15.78%)

Short Float %0.7%

Short Ratio2.75

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.79%

Yearly Dividend0.68

Dividend Growth(5Y)23.42%

DP43.66%

Div Incr Years0

Div Non Decr Years16

Ex-Date02-28 2025-02-28 (0.17)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)52.89%

Min EPS beat(2)-52.47%

Max EPS beat(2)158.25%

EPS beat(4)1

Avg EPS beat(4)19.63%

Min EPS beat(4)-52.47%

Max EPS beat(4)158.25%

EPS beat(8)4

Avg EPS beat(8)18.73%

EPS beat(12)4

Avg EPS beat(12)1.46%

EPS beat(16)7

Avg EPS beat(16)13.62%

Revenue beat(2)1

Avg Revenue beat(2)4.64%

Min Revenue beat(2)-21.68%

Max Revenue beat(2)30.97%

Revenue beat(4)2

Avg Revenue beat(4)-0.17%

Min Revenue beat(4)-21.68%

Max Revenue beat(4)30.97%

Revenue beat(8)2

Avg Revenue beat(8)-5.57%

Revenue beat(12)2

Avg Revenue beat(12)-7.04%

Revenue beat(16)5

Avg Revenue beat(16)-3.95%

PT rev (1m)-11.27%

PT rev (3m)-14.86%

EPS NQ rev (1m)32.25%

EPS NQ rev (3m)-22.64%

EPS NY rev (1m)0%

EPS NY rev (3m)-28.8%

Revenue NQ rev (1m)3.39%

Revenue NQ rev (3m)-1.85%

Revenue NY rev (1m)-2.76%

Revenue NY rev (3m)-7.02%

Valuation

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	8.41
P/S	1.58
P/FCF	N/A
P/OCF	N/A
P/B	0.78
P/tB	0.78
EV/EBITDA	N/A

EPS(TTM)1.46

EY7.89%

EPS(NY)2.2

Fwd EY11.89%

FCF(TTM)-0.15

FCFYN/A

OCF(TTM)-0.02

OCFYN/A

SpS11.75

BVpS23.6

TBVpS23.6

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	6.57%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.21%
GM	N/A
FCFM	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

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-Score3

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	41.21%
Cap/Sales	1.07%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC24.89%

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)-21.93%

EPS 3Y-20.8%

EPS 5Y-5.96%

EPS Q2Q%-20.59%

EPS Next Y-19.78%

EPS Next 2Y19.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.82%

Revenue growth 3Y2.85%

Revenue growth 5Y4.17%

Sales Q2Q%-11.31%

Revenue Next Year0.43%

Revenue Next 2Y7.03%

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-103.38%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-100.49%

OCF growth 3YN/A

OCF growth 5YN/A

MVB FINANCIAL CORP (MVBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens