Mvb Financial (MVBF) Stock Price, News & Analysis

Company Overview

MVB Financial Corp is a bank holding company based in Fairmont, West Virginia, serving individuals and businesses through its subsidiary, MVB Bank, Inc. The company operates under a “Local First Banking” philosophy, emphasizing personalized service across its branch network. Its core business activities include deposit-taking, commercial lending, residential mortgage origination, and wealth management services.

On the deposit side, MVB Bank offers a range of products such as checking and savings accounts, money market accounts, and certificates of deposit. Borrowers can access commercial real estate financing, construction loans, equipment financing, small business administration (SBA) lending, and consumer credit products. The company also provides residential mortgage solutions, including fixed- and adjustable-rate loans, refinancing options, and renovation lending.

To support its customers’ evolving needs, MVB Financial has invested in digital banking platforms, enabling online account opening, mobile banking, remote deposit capture, and digital payment services. The bank’s digital offerings are designed to complement its in-branch experience, ensuring clients have access to financial tools and support regardless of location.

Founded in 2013, MVB Financial has expanded its footprint across West Virginia, Virginia, Pennsylvania, and North Carolina. The company is led by President and Chief Executive Officer Erik J. Fast, who oversees strategic growth initiatives and community engagement efforts. Under his leadership, MVB has continued to focus on relationship-based banking and regional economic development.

Key Stats

• Today's Range: $25.95 to $26.36
• 50-Day Range: $22.23 to $26.21
• 52-Week Range: $15.59 to $26.36
• Volume: 25,101 shs
• Average Volume: 32,004 shs
• Market Capitalization: $333.65 million
• P/E Ratio: 20.16
• Dividend Yield: 2.59%
• Price Target: $28.00
• Consensus Rating: Moderate Buy

Mvb Financial Stock Analysis - MarketRank™

Mvb Financial scored higher than 94% of companies evaluated by MarketBeat, and ranked 135th out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Mvb Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.71, and is based on 5 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Mvb Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Mvb Financial has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 78.57%

Earnings Growth

Earnings for Mvb Financial are expected to grow by 78.57% in the coming year, from $1.40 to $2.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Mvb Financial is 20.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.69.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mvb Financial is 20.16, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 39.90.

Price to Book Value per Share Ratio

Mvb Financial has a P/B Ratio of 1.11. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.42% of the float of Mvb Financial has been sold short.

Short Interest Ratio / Days to Cover

Mvb Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Mvb Financial has recently decreased by 6.13%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Mvb Financial pays a meaningful dividend of 2.59%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Mvb Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Mvb Financial is 52.31%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Mvb Financial will have a dividend payout ratio of 27.20% next year. This indicates that Mvb Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.4 / 5
• Environmental Score: -0.88

Percentage of Shares Shorted

1.42% of the float of Mvb Financial has been sold short.

Short Interest Ratio / Days to Cover

Mvb Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Mvb Financial has recently decreased by 6.13%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

Mvb Financial has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Mvb Financial this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Mvb Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

11.66% of the stock of Mvb Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

52.72% of the stock of Mvb Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MVBF Stock Analysis - Frequently Asked Questions

How have MVBF shares performed this year?

Mvb Financial's stock was trading at $20.70 on January 1st, 2025. Since then, MVBF shares have increased by 26.6% and is now trading at $26.21.

How were Mvb Financial's earnings last quarter?

Mvb Financial Corp. (NASDAQ:MVBF) announced its quarterly earnings data on Monday, July, 28th. The company reported $0.15 earnings per share for the quarter, missing analysts' consensus estimates of $0.31 by $0.16. The company had revenue of $33.72 million for the quarter, compared to analyst estimates of $35.80 million. Mvb Financial had a trailing twelve-month return on equity of 5.60% and a net margin of 7.84%.

How do I buy shares of Mvb Financial?

Shares of MVBF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Mvb Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Mvb Financial investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 7/28/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Record date for 9/15 Dividend: 9/01/2025
• Dividend Payable: 9/15/2025
• Today: 10/05/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:MVBF
• CIK: 1277902
• Web: www.mvbbanking.com
• Phone: (304) 363-4800
• Fax: N/A
• Employees: 460
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Mvb Financial: $28.00
• High Price Target: $35.00
• Low Price Target: $25.00
• Potential Upside/Downside: +6.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.71
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.30
• Trailing P/E Ratio: 20.16
• Forward P/E Ratio: 18.72
• P/E Growth: N/A
• Net Income: $20.09 million
• Net Margins: 7.84%
• Pretax Margin: 10.54%
• Return on Equity: 5.60%
• Return on Assets: 0.53%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $228.76 million
• Price / Sales: 1.46
• Cash Flow: $2.14 per share
• Price / Cash Flow: 12.26
• Book Value: $23.63 per share
• Price / Book: 1.11

Miscellaneous

• Outstanding Shares: 12,730,000
• Free Float: 11,247,000
• Market Cap: $333.65 million
• Optionable: Optionable
• Beta: 1.08