MVB Financial Corp.

MVB Financial Corp.

MVBFยทNASDAQ

$26.48

-1.6%
Financial ServicesBanks - Regional

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.

At a Glance

Live Snapshot
Market Cap$340.27M
EPS2.1100
P/E Ratio12.55
Earnings Date07/27/2026
MVB Financial Corp.

MVB Financial Corp. Fair Value Envelope

MVBF ยท NASDAQ

Our analysis suggests that MVBF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $26.48, this represents a potential HIDDEN relative to our calculated worth for MVB Financial Corp..

Intrinsic Value
Current Price: $26.48

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$33.1B
+ Cash & Equivalents$244.1M
Firm Value$33.4B
- Debt$77.4M
Equity Value$33.3B
/ Shares Outstanding12,731,325B
DCF Value$2.6K
UNDERVALUED BY 9780%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$8.1M
$16.1M
$32.2M
$64.4M
$128.9M
$257.8M
$515.6M
$1.0B
$2.1B
$4.1B
Maintenance CapEx
-$766.0K
-$1.5M
-$3.1M
-$6.1M
-$12.3M
-$24.5M
-$49.0M
-$98.0M
-$196.1M
-$392.2M
Owner Earnings
$7.3M
$14.6M
$29.2M
$58.3M
$116.6M
$233.3M
$466.6M
$933.1M
$1.9B
$3.7B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$6.8M
$12.5M
$23.1M
$42.9M
$79.4M
$147.0M
$272.2M
$504.1M
$933.6M
$1.7B
Terminal Value represents 88.7% of Enterprise Value