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+78.0%
5Y+110.0%
10Y+188.0%
3Y+79.0%
5Y-28.0%
10Y+109.0%
3Y-45.0%
5Y-96.0%
10Y-84.0%
MVB Financial Corp.

MVB Financial Corp. Profit Bridge

MVBF ยท NASDAQ
Revenue270.44M
Cost of Goods Sold (76.65M)
Gross Profit193.79M
Operating Expenses (156.94M)
Operating Income36.85M
Interest Expense (67.92M)
Other Income/Expense0.00
Pretax Income36.85M
Income Tax (9.93M)
Net Income26.94M
Net Income
26.94M

Profitability Analysis

Gross Margin

71.7%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

13.6%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

10.0%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

26.9%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

MVB Financial Corp. Income Statement

MVBF โ€ข NASDAQ

MVB Financial Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
270.4M
227.3M
213M
152.4M
111.1M
128.7M
143.9M
104.8M
94.1M
94M
75.9M
55.7M
52.1M
29.6M
22.4M
18.7M
16.5M
15.5M
14.9M
6M
GROSS PROFIT
(76.7M)
(80.2M)
(64.6M)
(28.3M)
-5K
(28.2M)
(24.8M)
(20.1M)
(14.5M)
(14.8M)
(11.7M)
(10.1M)
(7.4M)
(7.7M)
(6.6M)
(6.6M)
(6.3M)
(6.5M)
(7M)
(4.8M)
193.8M
147.1M
148.4M
124M
111.1M
100.5M
119.2M
84.7M
79.6M
79.2M
64.2M
45.6M
44.6M
21.9M
15.7M
12.2M
10.2M
8.9M
7.9M
1.2M
OPERATING INCOME
(156.9M)
(120.8M)
(121.1M)
(109M)
(63.6M)
(53.6M)
(84.2M)
(69.3M)
(67.3M)
(65.9M)
(54.7M)
(42.7M)
(39.6M)
(16.1M)
(12M)
(9.1M)
(8.3M)
(7.8M)
(6.2M)
-74K
(71M)
(72.1M)
(67.8M)
(65.1M)
(55M)
(63.7M)
(67.3M)
(55.8M)
(55.4M)
(55.5M)
(45.2M)
(35.2M)
(33.7M)
(11M)
(8.2M)
(6.9M)
(5M)
(4.4M)
(3.8M)
(2.9M)
36.9M
26.3M
27.3M
15M
47.5M
46.9M
35M
15.4M
12.3M
13.4M
9.5M
2.9M
5M
5.8M
3.7M
3M
1.9M
1.1M
1.7M
1.3M
PRE-TAX INCOME
(67.9M)
(76.6M)
(66.5M)
(14.2M)
(6.3M)
(11.6M)
(23M)
(17.7M)
(12.3M)
(11.1M)
(9.2M)
(7.5M)
(5.2M)
(4.9M)
(4.9M)
(5.5M)
(5.5M)
(5.9M)
(6.4M)
(4.4M)
107.4M
109.2M
123.3M
111.8M
77.2M
68.8M
59.4M
52.1M
44.3M
43M
34.9M
28.7M
22.3M
17.3M
14.1M
10.8M
8.8M
7.7M
6.9M
5.7M
(86M)
(48.7M)
(53.3M)
(43.8M)
(8.6M)
-10.1M
(16.9M)
(13.6M)
(11.9M)
(10.4M)
(9.5M)
(7.5M)
(5.9M)
(5M)
(3.9M)
(2.3M)
(3.4M)
(3.5M)
(2.5M)
-3M
36.9M
26.3M
27.3M
15M
47.5M
46.9M
35M
15.4M
12.3M
13.4M
9.5M
2.9M
5M
5.8M
3.7M
3M
1.9M
1.1M
1.7M
1.3M
NET INCOME
(9.9M)
(6.1M)
(5.1M)
(3.3M)
(9.6M)
(9.5M)
(8.5M)
(3.4M)
(4.8M)
(4.4M)
(2.9M)
(248K)
(983K)
(1.7M)
(1M)
(795K)
(454K)
(263K)
(414K)
(341K)
26.9M
20.1M
31.2M
15M
39.1M
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

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