28.05 USD
-0.1 (-0.36%)
28.05 USD
0 (0%)
MVBF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of MVBF have multiple concerns. While showing a medium growth rate, MVBF is valued expensive at the moment. Finally MVBF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year MVBF was profitable.
- MVBF had a positive operating cash flow in the past year.
- 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
- MVBF has a Return On Assets (0.99%) which is comparable to the rest of the industry.
- With a decent Return On Equity value of 9.81%, MVBF is doing good in the industry, outperforming 61.62% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 18.40%, MVBF is doing worse than 69.97% of the companies in the same industry.
- In the last couple of years the Profit Margin of MVBF has declined.
- The Operating Margin and Gross Margin are not available for MVBF so they could not be analyzed.
| Industry Rank | Sector 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
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
- MVBF has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, MVBF has an improved debt to assets ratio.
2.2 Solvency
- MVBF has a debt to FCF ratio of 10.72. This is a negative value and a sign of low solvency as MVBF would need 10.72 years to pay back of all of its debts.
- MVBF has a Debt to FCF ratio of 10.72. This is in the lower half of the industry: MVBF underperforms 79.11% of its industry peers.
- MVBF has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.23, MVBF is not doing good in the industry: 62.40% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MVBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.24%, which is quite impressive.
- The Earnings Per Share has been decreasing by -5.96% on average over the past years.
- MVBF shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.54%.
- 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)73.24%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%725%
Revenue 1Y (TTM)23.54%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%112.88%
3.2 Future
- Based on estimates for the next years, MVBF will show a very strong growth in Earnings Per Share. The EPS will grow by 24.45% on average per year.
- The Revenue is expected to grow by 7.97% on average over the next years.
EPS Next Y-10.38%
EPS Next 2Y15.19%
EPS Next 3Y24.45%
EPS Next 5YN/A
Revenue Next Year-3.95%
Revenue Next 2Y5.2%
Revenue Next 3Y7.97%
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
- The Price/Earnings ratio is 11.40, which indicates a very decent valuation of MVBF.
- Based on the Price/Earnings ratio, MVBF is valued a bit cheaper than the industry average as 65.54% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.25, MVBF is valued rather cheaply.
- MVBF is valuated correctly with a Price/Forward Earnings ratio of 13.82.
- MVBF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MVBF is more expensive than 71.80% of the companies in the same industry.
- MVBF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 13.82 |
4.2 Price Multiples
- MVBF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. MVBF is more expensive than 81.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.14 | ||
| 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 24.45% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.19%
EPS Next 3Y24.45%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.38%, MVBF has a reasonable but not impressive dividend return.
- MVBF's Dividend Yield is comparable with the industry average which is at 2.64.
- Compared to an average S&P500 Dividend Yield of 1.82, MVBF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
5.2 History
- The dividend of MVBF is nicely growing with an annual growth rate of 23.42%!
- 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 Years16
5.3 Sustainability
- MVBF pays out 27.30% of its income as dividend. This is a sustainable payout ratio.
- The dividend of MVBF is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP27.3%
EPS Next 2Y15.19%
EPS Next 3Y24.45%
MVB FINANCIAL CORP / MVBF 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.
How profitable is MVB FINANCIAL CORP (MVBF) stock?
MVB FINANCIAL CORP (MVBF) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for MVBF stock?
The Price/Earnings (PE) ratio for MVB FINANCIAL CORP (MVBF) is 11.4 and the Price/Book (PB) ratio is 1.08.
How financially healthy is MVB FINANCIAL CORP?
The financial health rating of MVB FINANCIAL CORP (MVBF) is 1 / 10.