MVB FINANCIAL CORP (MVBF)
US5538101024 - Common Stock
Taking everything into account, MVBF scores 4 out of 10 in our fundamental rating. MVBF was compared to 412 industry peers in the Banks industry. MVBF has a bad profitability rating. Also its financial health evaluation is rather negative. MVBF has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MVBF had positive earnings in the past year.
In the past year MVBF had a positive 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
MVBF has a Return On Assets (0.94%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 10.79%, MVBF is doing good in the industry, outperforming 66.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 10.79% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)1.16%
ROE(3y)10.26%
ROE(5y)11.75%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MVBF has a Profit Margin (21.84%) which is in line with its industry peers.
MVBF's Profit Margin has improved in the last couple of years.
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) | 21.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.76%
PM growth 5Y11.49%
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.
MVBF has a better debt/assets ratio than last year.
2.2 Solvency
MVBF has a debt to FCF ratio of 1.51. This is a very positive value and a sign of high solvency as it would only need 1.51 years to pay back of all of its debts.
MVBF has a Debt to FCF ratio of 1.51. This is in the better half of the industry: MVBF outperforms 66.02% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that MVBF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.29, MVBF is in line with its industry, outperforming 40.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 106.90% over the past year.
Measured over the past years, MVBF shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.40% on average per year.
The Revenue has been growing slightly by 0.52% in the past year.
MVBF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.53% yearly.
EPS 1Y (TTM)106.9%
EPS 3Y-7.88%
EPS 5Y21.4%
EPS growth Q2Q22%
Revenue 1Y (TTM)0.52%
Revenue growth 3Y-3.8%
Revenue growth 5Y9.53%
Revenue growth Q2Q-10.62%
3.2 Future
The Earnings Per Share is expected to decrease by -0.92% on average over the next years.
MVBF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.61% yearly.
EPS Next Y-22.76%
EPS Next 2Y-0.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.58%
Revenue Next 2Y6.61%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
MVBF is valuated cheaply with a Price/Earnings ratio of 7.72.
Compared to the rest of the industry, the Price/Earnings ratio of MVBF indicates a somewhat cheap valuation: MVBF is cheaper than 79.37% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, MVBF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.99, the valuation of MVBF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MVBF indicates a somewhat cheap valuation: MVBF is cheaper than 60.19% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of MVBF to the average of the S&P500 Index (20.41), we can say MVBF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 9.99 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MVBF indicates a rather cheap valuation: MVBF is cheaper than 91.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-0.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MVBF has a Yearly Dividend Yield of 3.67%.
MVBF's Dividend Yield is comparable with the industry average which is at 3.76.
MVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
5.2 History
The dividend of MVBF is nicely growing with an annual growth rate of 34.55%!
MVBF has been paying a dividend for at least 10 years, so it has a reliable track record.
As MVBF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)34.55%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
27.66% of the earnings are spent on dividend by MVBF. This is a low number and sustainable payout ratio.
DP27.66%
EPS Next 2Y-0.92%
EPS Next 3YN/A
MVB FINANCIAL CORP
NASDAQ:MVBF (5/3/2024, 7:07:46 PM)
After market: 18.52 0 (0%)18.52
+0.04 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap237.80M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.67% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 9.99 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 10.79% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.84% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)106.9%
EPS 3Y-7.88%
EPS 5Y
EPS growth Q2Q
EPS Next Y-22.76%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.52%
Revenue growth 3Y-3.8%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y