MVBF
MVB Financial Corp.
MVBF's fundamentals are weak and it looks expensive: trading at 15x earnings, above its usual 12x. Analysts expect strong earnings growth.
MVBF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
MVBF's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like MVBF.
MVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.3x | $15.45 | -40% |
| Forward | 11x | $25.68 | — |
| Fair | 12x | $19.79 | -23% |
| Expensive | 15x | $24.76 | -3.6% |
| Current | 15x | $25.68 | — |
Historical ranges are pointers, not guarantees.
MVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.
MVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MVBF, with profitability improving.
MVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.29 | +37% |
| Q3 2026 | $1.67 | -32% |
| Q2 2026 | $2.96 | +128% |
| Q1 2026 | $2.18 | +49% |
| Q4 2025 | $2.06 | +35% |
| Q3 2025 | $2.46 | +73% |
| Q2 2025 | $1.30 | -16% |
| Q1 2025 | $1.46 | -22% |
| Q4 2024 | $1.53 | -36% |
MVBF's earnings per share have fallen from their peak: $1.67 over the past year, against $3.65 in early 2021.
MVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.4M | -34% |
| Q2 2026 | $51.1M | +51% |
| Q1 2026 | $36.7M | +8.8% |
| Q4 2025 | $39.1M | -15% |
| Q3 2025 | $61.2M | +84% |
| Q2 2025 | $33.7M | -2.8% |
| Q1 2025 | $33.7M | -11% |
| Q4 2024 | $46.2M | +30% |
MVBF's revenue has slid since its 2020 peak: $40M last quarter, down 34% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 1.6% | -37 points |
| Q2 2026 | 31% | +22 points |
| Q1 2026 | 18% | +4 points |
| Q4 2025 | 14% | -13 points |
| Q3 2025 | 38% | +30 points |
| Q2 2025 | 9.4% | -6.5 points |
| Q1 2025 | 14% | -1 points |
| Q4 2024 | 26% | +0.2 points |
MVBF's operating margin was 1.6% last quarter, down 37 points from the same quarter a year ago, near the bottom of its range since 2019.
MVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.4M | +$2.2M |
| Q2 2026 | $4.9M | -33% |
| Q1 2026 | -$23.4M | -269% |
| Q4 2025 | -$15.5M | -$4.8M |
| Q3 2025 | -$3.5M | -142% |
| Q2 2025 | $7.2M | -73% |
| Q1 2025 | $13.9M | +$40M |
| Q4 2024 | -$10.7M | -158% |
MVBF's free cash flow was −$35M over the past year, against $7M the year before. Free cash flow isn't a meaningful measure for financial services companies like MVBF.
MVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +96.3K shares |
| 1 year | +2.1% | +272K shares |
| 3 years | +1.3% | +166K shares |
| 5 years | +3.6% | +459K shares |
| Available history | +10% | +1.2M shares |
MVBF has 13M diluted shares, up 2.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $142,000 |
| Q3 2025 | $3.6M |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | $13.8M |
MVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.1x | Net Cash |
| Q2 2026 | -4.8x | Net Cash |
| Q1 2026 | -3.0x | Net Cash |
| Q4 2025 | -4.3x | Net Cash |
| Q3 2025 | -4.9x | Net Cash |
| Q2 2025 | -12.4x | Net Cash |
| Q1 2025 | -6.1x | Net Cash |
| Q4 2024 | -8.1x | Net Cash |
MVBF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like MVBF.
MVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.9 | Neutral |
| Stochastic | 8.3 | Oversold |
MVBF's weekly RSI is 38 (neutral) and its Stochastic is 8 (oversold).
MVBF PE vs Financial Services Sector
| Metric | MVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 18% above |
| PE % | 88 | 63 | 25 pts above |
MVBF is trading at 15x earnings, a 18% premium to the Financial Services sector's median of 13x.
MVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.2 | 9% below |
| 20 week MA | $29.4 | 13% below |
| 50 week MA | $27.8 | 7.6% below |
| 100 week MA | $24.6 | 4.4% above |
| 200 week MA | $22.9 | 12% above |
MVBF has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 12% above its 200-week average.
MVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.7 | $21.8 | -12% |
| 2021 | $21.8 | $42.1 | +94% |
| 2022 | $42.1 | $22.2 | -47% |
| 2023 | $22.2 | $22.6 | +1.7% |
| 2024 | $22.6 | $20.6 | -8.7% |
| 2025 | $20.6 | $26.0 | +26% |
| 2026 YTD | $26.0 | $25.7 | -1.2% |
MVBF has finished lower in three of the last six years. It's down 1.2% so far in 2026.