MVB Financial Corp.

MVBF | NASDAQ

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$30.30

-$0.29 (-0.95%)

At close: Sep 21, 2026, 4:00 PM ET

$30.30

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $393.08M

Enterprise Value $130.83M

Beta 0.80

Average Volume 52.09K

Shares Outstanding (Diluted) 13.19M

Shares Change YoY 0.5%

Institutional Ownership 55.62%

Exchange NASDAQ

ISIN US5538101024

Price Performance

Price Change 1M -1.3%

Price Change 3M 7.3%

Price Change 6M 20.6%

Price Change YTD 19.0%

Price Change 1Y 24.1%

Price Change 3Y 39.5%

Price Change 5Y -25.9%

1M CAGR (ann.) 1.1%

1Y CAGR (ann.) 28.8%

5Y CAGR (ann.) -2.1%

All-Time CAGR 8.7%

Valuation

PE Ratio 10.24

Forward PE 11.46

PEG Ratio 0.08

Forward PEG 0.52

PS Ratio 1.78

Forward PS 2.20

PB Ratio 1.13

P/FCF Ratio -11.06

P/Adj. FCF Ratio -10.00

P/OCF Ratio -10.94

EV/Sales 0.60

EV/EBIT 2.54

EV/EBITDA 2.47

EV/FCF -3.72

Earnings Yield 9.8%

FCF Yield -9.0%

Adj. FCF Yield -10.0%

Financial Health

Net Cash $258.52M

Total Debt $54.07M

Cash & Short-Term Investments $312.6M

Total Assets $3.55B

Current Ratio 84.28

Quick Ratio 84.28

Debt / Equity Ratio 0.17

Debt / EBITDA 1.02

Debt / FCF -1.54

OCF / Debt -0.62

Interest Coverage 0.77

Altman Z-Score 0.37

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 63.3%

Operating Profit Margin 23.5%

EBITDA Margin 24.4%

Net Profit Margin 17.7%

FCF Margin -16.1%

Adj. FCF Margin -17.8%

SBC / Revenue 1.6%

SBC Impact (per share) -10.6%

Returns

Return on Assets 1.1%

Return on Equity 11.6%

Return on Invested Capital 1.1%

Return on Capital Employed 1.5%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 4.8%

Revenue CAGR 5Y 16.8%

Revenue CAGR 10Y 10.0%

EPS CAGR 3Y 10.2%

EPS CAGR 5Y 0.5%

EPS CAGR 10Y 9.8%

FCF CAGR 3Y -271.0%

FCF CAGR 5Y -3.9%

FCF CAGR 10Y -4.4%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 8

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $42.22

Graham Upside 39.3%

Lynch Fair Value $14.80

Lynch Upside -51.2%

Price Target $30

Price Target Upside -1.0%

Cash Flow

Operating Cash Flow $-33.41M

Free Cash Flow $-35.2M

Adj. Free Cash Flow $-38.93M

FCF Per Share -$2.92

OCF Per Share -$2.77

OCF/S Ratio -16.3%

Income Statement

Revenue $219.06M

Gross Profit $138.57M

Operating Income $51.56M

EBITDA $53.02M

Net Income $38.8M

EPS (Diluted) $2.96

Revenue / Employee $543.58K

Profit / Employee $96.27K

Employees 403

Dividends

Annual Dividend $0.68

Dividend Yield 2.24%

Payout Ratio 23.0%

FCF Payout Ratio -24.7%

Adj. FCF Payout Ratio -22.3%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 31, 2026