MVB FINANCIAL CORP (MVBF) Stock Fundamental Analysis
USA - NASDAQ:MVBF - US5538101024 - Common Stock
25.6101 USD
+0.01 (+0.04%)
Taking everything into account, MVBF scores 3 out of 10 in our fundamental rating. MVBF was compared to 388 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.
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.
MVBF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
MVBF's Return On Assets of 0.99% is fine compared to the rest of the industry. MVBF outperforms 62.11% of its industry peers.
MVBF has a better Return On Equity (9.81%) than 62.63% of its industry peers.
| 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
MVBF has a worse Profit Margin (18.40%) than 68.81% 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) | 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.
The number of shares outstanding for MVBF has been increased compared to 1 year ago.
MVBF has more shares outstanding than it did 5 years ago.
MVBF has a better debt/assets ratio than last year.
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 77.84% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that MVBF is not too dependend on debt financing.
MVBF has a worse Debt to Equity ratio (0.23) than 63.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MVBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.25%.
MVBF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.96% yearly.
The Revenue has grown by 23.54% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 4.17% on average over the past years.
EPS 1Y (TTM)-36.25%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%723.19%
Revenue 1Y (TTM)23.54%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%-17.39%
3.2 Future
MVBF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.13% yearly.
The Revenue is expected to grow by 8.04% on average over the next years. This is quite good.
EPS Next Y-34.47%
EPS Next 2Y15.74%
EPS Next 3Y26.13%
EPS Next 5YN/A
Revenue Next Year0.18%
Revenue Next 2Y6.29%
Revenue Next 3Y8.04%
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.
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
MVBF is valuated correctly with a Price/Earnings ratio of 16.74.
Compared to the rest of the industry, the Price/Earnings ratio of MVBF indicates a slightly more expensive valuation: MVBF is more expensive than 76.29% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. MVBF is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.49, the valuation of MVBF can be described as correct.
69.07% of the companies in the same industry are cheaper than MVBF, based on the Price/Forward Earnings ratio.
MVBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.74 | ||
| Fwd PE | 12.49 |
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 80.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 45.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MVBF's earnings are expected to grow with 26.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.74%
EPS Next 3Y26.13%
5. Dividend
5.1 Amount
MVBF has a Yearly Dividend Yield of 2.57%.
Compared to an average industry Dividend Yield of 3.39, MVBF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, MVBF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
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
5.3 Sustainability
MVBF pays out 27.30% of its income as dividend. This is a sustainable payout ratio.
MVBF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.3%
EPS Next 2Y15.74%
EPS Next 3Y26.13%
NASDAQ:MVBF (11/20/2025, 12:36:42 PM)
25.6101
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.41%
Inst Owner Change4.16%
Ins Owners7.49%
Ins Owner Change1.56%
Market Cap326.02M
Revenue(TTM)174.78M
Net Income(TTM)32.16M
Analysts82
Price Target28.56 (11.52%)
Short Float %1.5%
Short Ratio4.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend0.68
Dividend Growth(5Y)23.42%
DP27.3%
Div Incr Years0
Div Non Decr Years16
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-19.86%
Min Revenue beat(2)-35.26%
Max Revenue beat(2)-4.46%
Revenue beat(4)1
Avg Revenue beat(4)-3.25%
Min Revenue beat(4)-35.26%
Max Revenue beat(4)30.97%
Revenue beat(8)2
Avg Revenue beat(8)-6.61%
Revenue beat(12)2
Avg Revenue beat(12)-7.71%
Revenue beat(16)3
Avg Revenue beat(16)-7.36%
PT rev (1m)0%
PT rev (3m)9.09%
EPS NQ rev (1m)0.77%
EPS NQ rev (3m)-8.18%
EPS NY rev (1m)-4.56%
EPS NY rev (3m)-18.76%
Revenue NQ rev (1m)0.54%
Revenue NQ rev (3m)0.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.74 | ||
| Fwd PE | 12.49 | ||
| P/S | 1.87 | ||
| P/FCF | 45.4 | ||
| P/OCF | 37.4 | ||
| P/B | 0.99 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.53
EY5.97%
EPS(NY)2.05
Fwd EY8%
FCF(TTM)0.56
FCFY2.2%
OCF(TTM)0.68
OCFY2.67%
SpS13.73
BVpS25.75
TBVpS25.75
PEG (NY)N/A
PEG (5Y)N/A
Graham Number29.77
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC21.21%
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)-36.25%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%723.19%
EPS Next Y-34.47%
EPS Next 2Y15.74%
EPS Next 3Y26.13%
EPS Next 5YN/A
Revenue 1Y (TTM)23.54%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%-17.39%
Revenue Next Year0.18%
Revenue Next 2Y6.29%
Revenue Next 3Y8.04%
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 3 / 10 to MVBF.
Can you provide the valuation status for MVB FINANCIAL CORP?
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 3 / 10.
What are the PE and PB ratios of MVB FINANCIAL CORP (MVBF) stock?
The Price/Earnings (PE) ratio for MVB FINANCIAL CORP (MVBF) is 16.74 and the Price/Book (PB) ratio is 0.99.
How sustainable is the dividend of MVB FINANCIAL CORP (MVBF) stock?
The dividend rating of MVB FINANCIAL CORP (MVBF) is 6 / 10 and the dividend payout ratio is 27.3%.