MVB FINANCIAL CORP (MVBF) Stock Fundamental Analysis

NASDAQ:MVBF • US5538101024

28.1 USD
+0.62 (+2.26%)
At close: Feb 17, 2026
28.1 USD
0 (0%)
After Hours: 2/17/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, MVBF scores 2 out of 10 in our fundamental rating. MVBF was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of MVBF have multiple concerns. MVBF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

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 4 of the past 5 years.
  • In multiple years MVBF reported negative operating cash flow during the last 5 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

  • With a Return On Assets value of 0.99%, MVBF perfoms like the industry average, outperforming 58.53% of the companies in the same industry.
  • MVBF's Return On Equity of 9.81% is fine compared to the rest of the industry. MVBF outperforms 61.42% 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

  • MVBF's Profit Margin of 18.40% is on the low side compared to the rest of the industry. MVBF is outperformed by 70.08% 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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

  • 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's Debt to FCF ratio of 10.72 is on the low side compared to the rest of the industry. MVBF is outperformed by 78.48% of its industry peers.
  • A Debt/Equity ratio of 0.23 indicates that MVBF is not too dependend on debt financing.
  • MVBF's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. MVBF is outperformed by 61.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 10.72
Altman-Z N/A
ROIC/WACCN/A
WACC20.41%
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

More info and screens

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

4

3. Growth

3.1 Past

  • MVBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.64%, which is quite impressive.
  • Measured over the past years, MVBF shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.67% on average per year.
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

  • The Earnings Per Share is expected to grow by 19.65% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 14.35% on average over the next years. This is quite good.
EPS Next Y-1.45%
EPS Next 2Y19.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.43%
Revenue Next 2Y14.35%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.64 indicates a correct valuation of MVBF.
  • The rest of the industry has a similar Price/Earnings ratio as MVBF.
  • The average S&P500 Price/Earnings ratio is at 27.16. MVBF is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 13.84, MVBF is valued correctly.
  • MVBF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MVBF is more expensive than 69.03% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. MVBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.64
Fwd PE 13.84
MVBF Price Earnings VS Forward Price EarningsMVBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MVBF indicates a rather expensive valuation: MVBF more expensive than 82.41% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 49.23
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

  • MVBF's earnings are expected to grow with 19.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y19.65%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • MVBF has a Yearly Dividend Yield of 2.47%.
  • MVBF's Dividend Yield is comparable with the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.82, MVBF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.47%

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 Years16
MVBF Yearly Dividends per shareMVBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • 27.30% of the earnings are spent on dividend by MVBF. This is a low number and sustainable payout ratio.
  • MVBF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.3%
EPS Next 2Y19.65%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

MVB FINANCIAL CORP

NASDAQ:MVBF (2/17/2026, 8:00:02 PM)

After market: 28.1 0 (0%)

28.1

+0.62 (+2.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)04-28
Inst Owners53.67%
Inst Owner Change-7.58%
Ins Owners7.61%
Ins Owner Change4.03%
Market Cap353.50M
Revenue(TTM)N/A
Net Income(TTM)32.16M
Analysts82
Price Target32.13 (14.34%)
Short Float %2%
Short Ratio3.66
Dividend
Industry RankSector Rank
Dividend Yield 2.47%
Yearly Dividend0.68
Dividend Growth(5Y)23.42%
DP27.3%
Div Incr Years0
Div Non Decr Years16
Ex-DateN/A
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)12.5%
EPS NQ rev (1m)-0.77%
EPS NQ rev (3m)-2.06%
EPS NY rev (1m)0%
EPS NY rev (3m)36.75%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-4.91%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)-3.75%
Valuation
Industry RankSector Rank
PE 13.64
Fwd PE 13.84
P/S 2.02
P/FCF 49.23
P/OCF 40.55
P/B 1.08
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.06
EY7.33%
EPS(NY)2.03
Fwd EY7.22%
FCF(TTM)0.57
FCFY2.03%
OCF(TTM)0.69
OCFY2.47%
SpS13.89
BVpS26.05
TBVpS26.05
PEG (NY)N/A
PEG (5Y)N/A
Graham Number34.75
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
WACC20.41%
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-1.45%
EPS Next 2Y19.65%
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 Year10.43%
Revenue Next 2Y14.35%
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 FAQ

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

ChartMill assigns a fundamental rating of 2 / 10 to MVBF.


What is the valuation status for MVBF stock?

ChartMill assigns a valuation rating of 2 / 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 2 / 10.


Can you provide the PE and PB ratios for MVBF stock?

The Price/Earnings (PE) ratio for MVB FINANCIAL CORP (MVBF) is 13.64 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.