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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 Framework: Banks & Lenders Small Cap
MVB Financial Corp. (MVBF), is a Small Cap company, in the Banks - Regional industry, last closed at $28.42, about 8.7% overvalued vs fair value, +39.7% 1Y return, ranked 913/1037 in sector.
Metrics Rev Growth 79.5% ROE 8.4% Gross Margin 71.7%
USD 28.42
2.78%
(Delayed)
• Vol 90d: 27.6%
52-Week Range
Market Cap
$355.30M
Enterprise Value
$185.20M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Jun 15
Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$26
$49
Current: $28.42 -9% 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

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
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
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
31
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing MVBF's balance between Growth (26.3%), Profitability (43.9%), and Safety (29.8%). Growth 26% Safety 30% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

33th percentile vs peers
33
Key Signals
Asset Growth YoY 5.8% 60p Equity Growth YoY 5.6% 44p NII Growth YoY -11.4% 10p EPS Growth YoY -36.4% 14p
Strengths
  • Net Interest Margin in top 20% of peers (3.5%, 82th percentile)
  • Efficiency Ratio in top 20% of peers (58.0%, 81th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-11.4%)
  • EPS Growth YoY in bottom 20% of peers (-36.4%)
  • Growth below peer median (percentile: 33)

Profitability

55th percentile vs peers
56
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
38
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:

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  • 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
- - -
-8.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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