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
3Y-45.0%
5Y-96.0%
10Y-84.0%
3Y-63.0%
5Y-29.0%
10Y+273.0%
3Y-56.0%
5Y-69.0%
10Y+591.0%
MVBF

MVB Financial Corp. Cash Conversion Engine

MVBF ยท NASDAQ
Net Income26.94M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital981.00K
Others-23.89M
Capital Expenditures-1.91M
Free Cash Flow2.11M

Cash Flow Quality Analysis

FCF Conversion Rate

7.8%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

47.5%

Capital-intensive operations require significant reinvestment. Monitor whether CapEx is maintenance or growth-oriented.

FCF Growth Trend

+210.9%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$981.00K

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

MVB Financial Corp. Cash Flow Statement

MVBF โ€ข NASDAQ

MVB Financial Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
26.9M
20.2M
31M
14.4M
38.7M
37.4M
27M
12M
7.6M
12.9M
6.8M
2.1M
4M
4.2M
2.7M
2.2M
1.4M
828K
1.3M
973K
0.0
3.9M
5M
5.3M
4.2M
3.3M
3.3M
2.9M
2.7M
3.4M
2.9M
1.2M
936K
533K
1.4M
960K
562K
457K
387K
310K
0.0
2.2M
97K
-3.6M
6.1M
-3.4M
-4M
139K
1.3M
707K
-395K
-1.1M
494K
-144K
147K
-144K
-39K
-24K
-117K
-61K
0.0
3.3M
3.4M
3.2M
3.2M
2.4M
1.8M
1.3M
813K
568K
413K
321K
196K
138K
117K
46K
15K
15K
13K
0.0
-23.9M
-8.2M
24M
2.9M
-18.7M
81.1M
-46.7M
-7.9M
20.7M
7.7M
-32.6M
21.9M
-4.5M
-15.1M
-4.3M
1.7M
601K
397K
1.7M
-1.3M
(0.0)
(924K)
(13.1M)
(2.3M)
(12M)
(12M)
(4M)
(191K)
(6M)
(6.9M)
(2.4M)
(1.7M)
(863K)
(1.2M)
(1.1M)
(811K)
(607K)
(644K)
(500K)
(0.0)
981K
-21.8M
-5.3M
-14.9M
1.2M
-8.5M
10.6M
-1.8M
0.0
0.0
0.0
0.0
0.0
-527K
-714K
164K
-2.7M
-1.6M
-641K
0.0
4M
-285K
58.2M
7.4M
34.8M
112.2M
-8.1M
6.7M
33.1M
25.3M
-22.9M
24.4M
1.2M
-10.9M
-741K
5M
-189K
62K
2.6M
-96K
INVESTING ACTIVITIES
(0.0)
-1.6M
-1.9M
-3M
-4.9M
-6.6M
-2M
-2.7M
-4.5M
-1.7M
-2.2M
-9.8M
-6.5M
-3.9M
-669K
-269K
-142K
-257K
-2.1M
-1.2M
(0.0)
(0.0)
-8K
(0.0)
-96.3M
-78.7M
-2.7M
(0.0)
(0.0)
(7M)
(48.3M)
(0.0)
(725K)
-15.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-114.1M
-92.6M
-132.5M
-220.1M
-279.7M
-72.4M
-33.1M
-139.1M
-114.6M
-40.3M
-29.8M
-78.6M
-83.3M
-257.1M
-71M
-37.4M
-21.2M
-7.6M
-43.8M
0.0
41.8M
131.7M
83M
195.8M
123.1M
70.8M
28.5M
72.2M
73.4M
39.3M
71.5M
26.5M
80.4M
213.5M
45.6M
20M
22.8M
8.6M
9.9M
-208.6M
218.3M
51.1M
-518.6M
-446.5M
-52.2M
-113.7M
-202.7M
-64.7M
-20.1M
-218.7M
-183.3M
-186.2M
-76.8M
-65M
-36.5M
-76.9M
-29.2M
-39.9M
0.0
-208.6M
(144.5M)
(88.2M)
-571.1M
-572M
-294.1M
-120.1M
-210M
-136.1M
-56M
-173.4M
-151.4M
-244M
-99.2M
-109.3M
-62.2M
-94.6M
-27.9M
-41.1M
-35M
FINANCING ACTIVITIES
-7.9M
1M
-209K
1.4M
500K
-15.7M
0.0
0.0
4.9M
20.5M
0.0
5.6M
23.1M
13.7M
6.4M
1.2M
-223K
-131K
-150K
2.1M
580K
-6.8M
-105.4M
112.1M
29.4M
-141M
-4.4M
62.7M
61.2M
-92.3M
81.9M
26M
13M
22.8M
-18.8M
9.4M
-12.7M
8.4M
13.9M
20.6M
-8.7M
-8.8M
-8.6M
-8.4M
-6.1M
-4.7M
-2.8M
-1.7M
-1.5M
-1.8M
-1.2M
-968K
-622K
-443K
-262K
-160K
-160K
-159K
(0.0)
(0.0)
-10.2M
-443K
-846K
-670K
(0.0)
-15.7M
-500K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-78K
-484K
-223K
-131K
-150K
-8K
146.8M
-209.9M
325.8M
191.5M
564.1M
579.2M
141.6M
144.2M
49.8M
92.5M
114.7M
78.8M
221.9M
89.3M
120.3M
48.1M
105.5M
19.5M
23.2M
15.7M
130.8M
-224.5M
211.6M
296.6M
580.7M
417.8M
133.9M
205.2M
105.9M
18.9M
195.4M
117.2M
257.4M
125.5M
116.1M
58.6M
92.4M
27.6M
37M
38.4M
CASH FLOW SUMMARY
-73.8M
-80.3M
357.9M
-267.2M
43.5M
235.9M
5.8M
1.9M
3M
-11.8M
-944K
-9.8M
14.5M
15.3M
6.1M
1.4M
-2.4M
-216K
-1.5M
3.3M
317.9M
398.2M
40.3M
307.4M
263.9M
28M
22.2M
20.3M
17.3M
29.1M
30.1M
39.8M
25.3M
10M
3.7M
2.3M
4.7M
4.9M
6.4M
3.1M
244.1M
317.9M
398.2M
40.3M
307.4M
263.9M
28M
22.2M
20.3M
17.3M
29.1M
30.1M
39.8M
25.3M
9.8M
3.7M
2.3M
4.7M
4.9M
6.4M
2.1M
-1.9M
56.3M
4.3M
30M
105.6M
-10.1M
4M
28.6M
23.6M
-25.1M
14.6M
-5.3M
-14.8M
-1.4M
4.7M
-331K
-195K
469K
-1.3M

SEC Filings

MVBF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

April 08, 2026
April 01, 2026
2026
8-K

8-K 2026

N/A

April 08, 2026
April 08, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 07, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

April 01, 2026
April 01, 2026
2026
10-K/A

10-K/A 2025 FY (Amended)

FY

March 31, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 25, 2026
March 25, 2026
2026
Showing 1 to 10 of 456 filings