MVB FINANCIAL CORP (MVBF) Fundamental Analysis & Valuation

NASDAQ:MVBF • US5538101024

Current stock price

25.9 USD
-0.34 (-1.3%)
At close:
25.9 USD
0 (0%)
After Hours:

This MVBF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MVBF Profitability Analysis

1.1 Basic Checks

  • In the past year MVBF was profitable.
  • MVBF had a positive operating cash flow in the past year.
  • Of the past 5 years MVBF 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: MVBF reported negative operating cash flow in multiple years.
MVBF Yearly Net Income VS EBIT VS OCF VS FCFMVBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

1.2 Ratios

  • MVBF has a Return On Assets of 0.99%. This is comparable to the rest of the industry: MVBF outperforms 54.52% of its industry peers.
  • MVBF's Return On Equity of 9.81% is in line compared to the rest of the industry. MVBF outperforms 57.71% of its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 9.81%
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
MVBF Yearly ROA, ROE, ROICMVBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of MVBF (18.40%) is worse than 76.60% 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 RankSector Rank
OM N/A
PM (TTM) 18.4%
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
MVBF Yearly Profit, Operating, Gross MarginsMVBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. MVBF Health Analysis

2.1 Basic Checks

  • MVBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for MVBF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MVBF Yearly Shares OutstandingMVBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MVBF Yearly Total Debt VS Total AssetsMVBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of MVBF is 10.72, which is on the high side as it means it would take MVBF, 10.72 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of MVBF (10.72) is worse than 80.05% of its industry peers.
  • A Debt/Equity ratio of 0.23 indicates that MVBF is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.23, MVBF is doing worse than 61.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 10.72
Altman-Z N/A
ROIC/WACCN/A
WACC21.18%
MVBF Yearly LT Debt VS Equity VS FCFMVBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MVBF Yearly Current Assets VS Current LiabilitesMVBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MVBF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.64% over the past year.
  • The Earnings Per Share has been decreasing by -7.67% on average over the past years.
EPS 1Y (TTM)34.64%
EPS 3Y21.1%
EPS 5Y-7.67%
EPS Q2Q%-55.56%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-15.38%

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 18.75% on average per year.
  • MVBF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.14% yearly.
EPS Next Y-4.7%
EPS Next 2Y18.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.7%
Revenue Next 2Y15.14%
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.
MVBF Yearly Revenue VS EstimatesMVBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
MVBF Yearly EPS VS EstimatesMVBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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3

4. MVBF Valuation Analysis

4.1 Price/Earnings Ratio

  • MVBF is valuated correctly with a Price/Earnings ratio of 12.57.
  • The rest of the industry has a similar Price/Earnings ratio as MVBF.
  • When comparing the Price/Earnings ratio of MVBF to the average of the S&P500 Index (27.95), we can say MVBF is valued rather cheaply.
  • A Price/Forward Earnings ratio of 13.19 indicates a correct valuation of MVBF.
  • Based on the Price/Forward Earnings ratio, MVBF is valued a bit more expensive than 71.28% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MVBF to the average of the S&P500 Index (38.68), we can say MVBF is valued rather cheaply.
Industry RankSector Rank
PE 12.57
Fwd PE 13.19
MVBF Price Earnings VS Forward Price EarningsMVBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MVBF is valued more expensive than 83.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 46.31
EV/EBITDA N/A
MVBF Per share dataMVBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • A more expensive valuation may be justified as MVBF's earnings are expected to grow with 18.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y18.75%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MVBF Dividend Analysis

5.1 Amount

  • MVBF has a Yearly Dividend Yield of 2.62%. Purely for dividend investing, there may be better candidates out there.
  • MVBF's Dividend Yield is comparable with the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, MVBF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.62%

5.2 History

  • On average, the dividend of MVBF grows each year by 23.42%, which is quite nice.
  • MVBF has paid a dividend for at least 10 years, which is 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 Years17
MVBF Yearly Dividends per shareMVBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • MVBF pays out 27.30% of its income as dividend. This is a sustainable payout ratio.
  • MVBF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.3%
EPS Next 2Y18.75%
EPS Next 3YN/A
MVBF Yearly Income VS Free CF VS DividendMVBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M
MVBF Dividend Payout.MVBF Dividend Payout, showing the Payout Ratio.MVBF Dividend Payout.PayoutRetained Earnings

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MVBF Fundamentals: All Metrics, Ratios and Statistics

MVB FINANCIAL CORP

NASDAQ:MVBF (4/21/2026, 4:30:01 PM)

After market: 25.9 0 (0%)

25.9

-0.34 (-1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners55.63%
Inst Owner Change0%
Ins Owners8.13%
Ins Owner Change3.98%
Market Cap332.56M
Revenue(TTM)N/A
Net Income(TTM)32.16M
Analysts82
Price Target32.64 (26.02%)
Short Float %2.18%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 2.62%
Yearly Dividend0.68
Dividend Growth(5Y)23.42%
DP27.3%
Div Incr Years0
Div Non Decr Years17
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)159.37%
Min EPS beat(2)-43.44%
Max EPS beat(2)362.19%
EPS beat(4)3
Avg EPS beat(4)126.27%
Min EPS beat(4)-43.44%
Max EPS beat(4)362.19%
EPS beat(8)4
Avg EPS beat(8)63.32%
EPS beat(12)6
Avg EPS beat(12)41.01%
EPS beat(16)7
Avg EPS beat(16)32.42%
Revenue beat(2)1
Avg Revenue beat(2)31.19%
Min Revenue beat(2)-4.46%
Max Revenue beat(2)66.83%
Revenue beat(4)2
Avg Revenue beat(4)22.28%
Min Revenue beat(4)-4.46%
Max Revenue beat(4)66.83%
Revenue beat(8)3
Avg Revenue beat(8)6.16%
Revenue beat(12)3
Avg Revenue beat(12)0.79%
Revenue beat(16)4
Avg Revenue beat(16)-0.98%
PT rev (1m)0%
PT rev (3m)1.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.77%
EPS NY rev (1m)0%
EPS NY rev (3m)24.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 12.57
Fwd PE 13.19
P/S 1.9
P/FCF 46.31
P/OCF 38.15
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.06
EY7.95%
EPS(NY)1.96
Fwd EY7.58%
FCF(TTM)0.56
FCFY2.16%
OCF(TTM)0.68
OCFY2.62%
SpS13.61
BVpS25.53
TBVpS25.53
PEG (NY)N/A
PEG (5Y)N/A
Graham Number34.3966 (32.81%)
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 9.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.4%
GM N/A
FCFM 4.11%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 10.72
Debt/EBITDA N/A
Cap/Depr 50.94%
Cap/Sales 0.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 22.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC21.18%
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)34.64%
EPS 3Y21.1%
EPS 5Y-7.67%
EPS Q2Q%-55.56%
EPS Next Y-4.7%
EPS Next 2Y18.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-15.38%
Revenue Next Year16.7%
Revenue Next 2Y15.14%
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-92.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-91.36%
OCF growth 3YN/A
OCF growth 5YN/A

MVB FINANCIAL CORP / MVBF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for MVB FINANCIAL CORP?

ChartMill assigns a fundamental rating of 3 / 10 to MVBF.


What is the valuation status for MVBF stock?

ChartMill assigns a valuation rating of 3 / 10 to MVB FINANCIAL CORP (MVBF). This can be considered as Overvalued.


Can you provide the profitability details for MVB FINANCIAL CORP?

MVB FINANCIAL CORP (MVBF) has a profitability rating of 2 / 10.


What is the earnings growth outlook for MVB FINANCIAL CORP?

The Earnings per Share (EPS) of MVB FINANCIAL CORP (MVBF) is expected to decline by -4.7% in the next year.


Can you provide the dividend sustainability for MVBF stock?

The dividend rating of MVB FINANCIAL CORP (MVBF) is 6 / 10 and the dividend payout ratio is 27.3%.