MVBF Fundamental Analysis - MVB FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MVBF. MVBF was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of MVBF have multiple concerns. MVBF is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year MVBF was profitable.

In the past year MVBF had a positive cash flow from operations.

Each year in the past 5 years MVBF has been profitable.

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

1.2 Ratios

MVBF's Return On Assets of 0.53% is on the low side compared to the rest of the industry. MVBF is outperformed by 72.19% of its industry peers.

Looking at the Return On Equity, with a value of 5.66%, MVBF is doing worse than 72.19% 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 80.10% 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)	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

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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.

Compared to 1 year ago, MVBF has more shares outstanding

Compared to 5 years ago, MVBF has more shares outstanding

Compared to 1 year ago, MVBF has an improved debt to assets ratio.

2.2 Solvency

MVBF has a debt to FCF ratio of 4.10. This is a neutral value as MVBF would need 4.10 years to pay back of all of its debts.

The Debt to FCF ratio of MVBF (4.10) is worse than 63.52% of its industry peers.

A Debt/Equity ratio of 0.25 indicates that MVBF is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.25, MVBF is doing worse than 64.80% 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

WACC21.04%

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

MVBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.13%.

Measured over the past years, MVBF shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.96% on average per year.

The Revenue has been growing slightly by 2.05% in the past year.

The Revenue has been growing slightly by 4.17% on average over the past years.

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

The Earnings Per Share is expected to grow by 15.08% on average over the next years. This is quite good.

Based on estimates for the next years, MVBF will show a quite strong growth in Revenue. The Revenue will grow by 10.16% on average per year.

EPS Next Y-31.33%

EPS Next 2Y15.08%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.18%

Revenue Next 2Y7.3%

Revenue Next 3Y10.16%

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

Based on the Price/Earnings ratio of 20.16, the valuation of MVBF can be described as rather expensive.

MVBF's Price/Earnings ratio is rather expensive when compared to the industry. MVBF is more expensive than 80.61% of the companies in the same industry.

MVBF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 12.93 indicates a correct valuation of MVBF.

Compared to the rest of the industry, the Price/Forward Earnings ratio of MVBF indicates a slightly more expensive valuation: MVBF is more expensive than 69.13% of the companies listed in the same industry.

MVBF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	20.16
Fwd PE	12.93

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MVBF is valued a bit more expensive than 66.07% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	17.78
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

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5. Dividend

5.1 Amount

MVBF has a Yearly Dividend Yield of 2.62%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.60, MVBF has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, MVBF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector 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 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.

MVBF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP51.71%

EPS Next 2Y15.08%

EPS Next 3YN/A

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MVB FINANCIAL CORP

NASDAQ:MVBF (10/3/2025, 8:00:01 PM)

After market: 26.21 0 (0%)

26.21

+0.28 (+1.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-28 2025-10-28/amc

Inst Owners55.41%

Inst Owner Change-3.51%

Ins Owners7.49%

Ins Owner Change1.91%

Market Cap333.65M

Analysts82

Price Target28.56 (8.97%)

Short Float %1.47%

Short Ratio3.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.62%

Yearly Dividend0.68

Dividend Growth(5Y)23.42%

DP51.71%

Div Incr Years0

Div Non Decr Years16

Ex-Date08-29 2025-08-29 (0.17)

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)9.09%

PT rev (3m)30.23%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-6.67%

EPS NY rev (1m)0%

EPS NY rev (3m)-14.88%

Revenue NQ rev (1m)0.21%

Revenue NQ rev (3m)0.91%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)-0.48%

Valuation

		Industry Rank	Sector Rank
PE	20.16
Fwd PE	12.93
P/S	2.27
P/FCF	17.78
P/OCF	16.97
P/B	1.1
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)1.3

EY4.96%

EPS(NY)2.03

Fwd EY7.73%

FCF(TTM)1.47

FCFY5.63%

OCF(TTM)1.54

OCFY5.89%

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

WACC21.04%

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 Year0.18%

Revenue Next 2Y7.3%

Revenue Next 3Y10.16%

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

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