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Company Analysis

MVB Financial Corp. MVBF

A comprehensive view of key metrics, scores, and financial health for MVB Financial Corp.

Overview of MVB Financial Corp.

MVBF NCM
Financial Services Banks - Regional Small Cap
MVB Financial Corp. (MVBF), is a Small Cap company, in the Banks - Regional industry, last closed at $25.02, about 3.7% undervalued vs fair value, +44.0% 1Y return, ranked 910/1004 in sector.
$25.02
-1.07%
As of March 13, 2026
Previous close • Vol 90d: 29.9%
52-Week Range
Market Cap
$324.41M
Enterprise Value
$154.31M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.mvbbanking.com
HQ Fairmont, WV
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$26
$49
Current: $25.02 +4% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$185.8M
-2.1%%
Interest Expense
$67.9M
Net Interest Income
$109.2M
-11.4%%
Total Revenue
$270.4M
79.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.2M
45.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating MVB Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
25
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing MVBF's balance between Growth (56.1%), Profitability (19.9%), and Safety (24.0%). Growth 56% Safety 24% Profitability 20%

Click axes to expand details. Marker shows current allocation.

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Growth

69th percentile vs peers
69
Key Signals
Rev Growth YoY 79.5% 70p Revenue CAGR 3Y 25.1% 75p Asset Growth YoY 5.8% 61p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

24th percentile vs peers
24
Key Signals
Strengths
Risks
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Safety

29th percentile vs peers
30
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for MVB Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.94
- - -
+3.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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