MVB Financial (MVBF)
Nasdaq Market Open
MVB Financial Corp. is a U.S. financial holding company whose main operating subsidiary, MVB Bank, provides banking services to individuals, businesses, and technology-driven financial companies. Based in West Virginia, the group combines a community and commercial banking model with a specialized fintech banking business, giving it exposure to both traditional regional banking and the infrastructure needs of digital finance firms.
The company’s core banking activities include taking deposits, making commercial and consumer loans, and offering treasury, payment, and account services. Revenue is primarily generated through net interest income from loans and investment securities, together with fees and service charges tied to deposit accounts and other banking products. Its CoRe Banking segment, which includes the fintech division, is the largest contributor to overall revenue.
MVB also reports Mortgage Banking and Financial Holding Company operations. The mortgage business participates in residential lending activity, while the holding company segment captures corporate-level functions and certain non-bank activities. This structure allows MVB to serve local markets while also building relationships with fintech platforms that require regulated banking partners.
For investors, MVB Financial is distinct because it is not only a regional bank. Its strategy includes providing banking-as-a-service style capabilities, payment support, and deposit solutions to financial technology clients. That can create growth opportunities, but it also links the company to regulatory scrutiny, credit conditions, interest-rate trends, and the competitive landscape for bank-fintech partnerships.
Last updated
- Market Cap
- 340.27M
- P/E
- 11.92
- P/FCF
- —
- P/S
- 1.43
- Enterprise Value
- 364.95M
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 301 VIRGINIA AVENUE, FAIRMONT, WV, 26554-2777
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 340.27M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 364.95M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 11.92
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.02
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.43
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 9.42
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 1.53
- EPS
- 2.22
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.55%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- -35.14M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 8.52%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.86%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.1
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 42.99K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 26.48
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 52.98M | 56.19M | 78.83M | 50.33M | 50.24M |
| Gross profit | 36.66M | 39.08M | 61.19M | 33.73M | 33.68M |
| Operating income | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M |
| EBITDA | 6.7M | 5.45M | 23.43M | 3.17M | 4.81M |
| Net income | 5.18M | 4.23M | 17.14M | 2M | 3.58M |
| Basic EPS | 0.41 | 0.34 | 1.36 | 0.16 | 0.28 |
| Diluted EPS | 0.39 | 0.33 | 1.32 | 0.15 | 0.27 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 3.32B | 3.31B | 3.23B | 3.22B | 3.02B |
| Total liabilities | 2.99B | 2.97B | 2.91B | 2.92B | 2.71B |
| Total equity | 334.92M | 333.97M | 327.75M | 302.32M | 310.05M |
| Cash & equivalents | 9.37M | 10.57M | 10.48M | 8.11M | 6.7M |
| Current assets | 739.63M | 792.1M | 752.87M | 921.28M | 794.39M |
| Current liabilities | 0 | 0 | 0 | 0 | 0 |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | -23.31M | -14.98M | -2.56M | 7.44M | 14.13M |
| Investing cash flow | -78.62M | -107.02M | -62.73M | -70.12M | 31.27M |
| Financing cash flow | 35.43M | 66.07M | -34.04M | 210.61M | -111.86M |
| Change in cash | -66.49M | -55.92M | -99.34M | 147.93M | -66.46M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4/A — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4 — MVB FINANCIAL CORP | View Filing | |
| edgar index | 4/A — MVB FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Mazza Larry F | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Greathouse Craig Bradley | View Filing | |
| form 4 | Form 4 — Logan Jonathan Thomas | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Giorgio Michael Louis | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Rodriguez Joseph Ryan | View Filing | |
| form 4 | Form 4 — Sumbs Michael Robert | View Filing | |
| form 4 | Form 4 — Sumbs Michael Robert | View Filing | |
| form 4 | Form 4 — Sumbs Michael Robert | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — MVB FINANCIAL CORP | View Filing | |
| edgar index | DEFA14A — MVB FINANCIAL CORP | View Filing | |
| edgar index | ARS — MVB FINANCIAL CORP | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | SCHEDULE 13G/A — MVB FINANCIAL CORP | View Filing | |
| edgar index | 8-K — MVB FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-K — MVB FINANCIAL CORP | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing |