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Mvb Financial (MVBF) Financials

Mvb Financial logo
$29.06 -0.15 (-0.51%)
Closing price 04:00 PM Eastern
Extended Trading
$29.03 -0.03 (-0.10%)
As of 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Mvb Financial

Annual Income Statements for Mvb Financial

This table shows Mvb Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.24 12 7.08 12 27 37 39 15 31 20 27
Consolidated Net Income / (Loss)		 6.82 13 7.58 12 27 37 39 14 31 20 27
Net Income / (Loss) Continuing Operations		 6.60 8.98 7.58 12 27 37 38 12 22 20 27
Total Pre-Tax Income 		9.49 13 12 15 35 47 47 15 27 26 37
Total Revenue		 70 86 85 91 124 161 133 139 143 152 168
Net Interest Income / (Expense)		 35 43 44 52 59 69 77 112 123 109 107
Total Interest Income		 44 54 57 70 82 80 83 126 190 186 175
Loans and Leases Interest Income		 41 50 51 62 75 73 75 117 160 154 144
Investment Securities Interest Income		 3.18 3.78 5.04 6.89 7.02 7.02 7.64 7.74 9.14 10 15
Deposits and Money Market Investments Interest Income		 0.27 0.32 0.34 0.40 0.49 0.44 0.51 1.64 21 22 16
Total Interest Expense		 9.23 11 12 18 23 12 6.27 14 67 77 68
Deposits Interest Expense		 6.25 7.75 8.29 12 17 10 3.98 10 62 73 64
Long-Term Debt Interest Expense		 2.90 3.31 3.93 1.76 0.77 0.26 2.19 3.24 3.99 3.49 3.30
Federal Funds Purchased and Securities Sold Interest Expense		 0.08 0.07 0.08 4.32 4.75 1.07 0.11 0.44 0.89 0.05 0.13
Total Non-Interest Income		 35 43 41 39 65 92 56 28 20 43 60
Service Charges on Deposit Accounts		 - 0.76 0.77 1.68 1.98 - - - 14 16 18
Other Service Charges		 32 38 41 36 46 43 16 21 12 10 4.07
Net Realized & Unrealized Capital Gains on Investments		 2.22 3.59 -1.45 0.64 15 49 40 6.85 -6.69 16 38
Provision for Credit Losses		 2.49 3.63 2.17 2.44 1.79 17 -6.28 14 -1.92 3.54 8.74
Total Non-Interest Expense		 58 69 71 73 87 97 92 110 118 122 122
Salaries and Employee Benefits		 36 45 44 46 56 62 53 63 63 68 71
Net Occupancy & Equipment Expense		 9.41 11 12 11 12 14 13 14 14 14 14
Marketing Expense		 1.35 1.30 1.18 1.14 1.29 3.39 4.62 6.84 3.34 3.03 3.03
Other Operating Expenses		 11 12 13 14 17 18 21 27 37 37 34
Income Tax Expense		 2.89 4.38 4.76 3.37 8.45 9.53 9.64 3.29 5.07 6.10 9.93
Net Income / (Loss) Discontinued Operations		 0.21 3.94 0.00 0.00 0.43 - 0.86 2.65 8.78 0.00 0.00
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - 0.00 0.00 -0.43 -0.66 -0.23 0.15 -0.02
Basic Earnings per Share		 $0.78 $1.44 $0.69 $1.04 $2.26 $3.13 $3.32 $1.23 $2.46 $1.56 $2.11
Weighted Average Basic Shares Outstanding		 8.01M 8.21M 10.31M 11.03M 11.71M 11.82M 11.78M 12.28M 12.69M 12.89M 12.78M
Diluted Earnings per Share		 $0.77 $1.31 $0.68 $1.00 $2.20 $3.06 $3.10 $1.17 $2.40 $1.53 $2.06
Weighted Average Diluted Shares Outstanding		 8.14M 10.07M 10.44M 12.72M 12.04M 12.09M 12.61M 12.87M 13.00M 13.14M 13.11M
Weighted Average Basic & Diluted Shares Outstanding		 8.06M 8.20M 10.30M 11.10M 11.95M 11.57M 12.10M 12.62M 12.84M 12.95M 12.84M
Cash Dividends to Common per Share		 $0.08 $0.08 $0.10 $0.11 $0.20 $0.36 $0.51 $0.68 $0.68 $0.68 $0.68

Quarterly Income Statements for Mvb Financial

This table shows Mvb Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.91 4.48 4.09 2.08 9.44 3.58 2.00 17 4.23 5.18 12
Consolidated Net Income / (Loss)		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
Net Income / (Loss) Continuing Operations		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
Total Pre-Tax Income 		9.35 5.79 5.53 2.80 12 4.81 3.17 23 5.45 6.70 16
Total Revenue		 36 38 35 33 46 34 34 61 39 37 51
Net Interest Income / (Expense)		 31 30 28 27 25 27 26 27 28 28 32
Total Interest Income		 50 50 46 47 43 43 42 44 45 45 49
Loans and Leases Interest Income		 42 40 39 39 36 35 35 36 38 37 41
Investment Securities Interest Income		 2.17 2.47 2.47 2.56 2.90 3.46 3.50 3.82 4.35 4.87 5.24
Deposits and Money Market Investments Interest Income		 5.94 7.34 5.07 5.22 4.19 4.73 3.59 4.40 3.62 3.03 2.29
Total Interest Expense		 19 20 19 20 18 17 17 18 17 16 16
Deposits Interest Expense		 18 19 18 19 17 16 16 17 16 15 16
Long-Term Debt Interest Expense		 0.99 0.96 0.92 0.81 0.80 0.80 0.80 0.80 0.91 0.99 0.65
Federal Funds Purchased and Securities Sold Interest Expense		 0.00 0.00 0.01 0.02 0.02 0.07 0.02 0.01 0.01 0.02 0.03
Total Non-Interest Income		 4.44 7.83 7.14 6.66 21 7.01 7.95 35 11 8.21 19
Service Charges on Deposit Accounts		 - 4.81 3.82 - - 4.99 4.65 - - 5.09 6.01
Other Service Charges		 -3.09 3.59 2.74 5.39 15 1.49 1.24 4.82 -3.47 0.49 0.36
Net Realized & Unrealized Capital Gains on Investments		 -2.79 -0.57 0.59 1.27 15 0.53 2.05 30 5.94 2.64 12
Provision for Credit Losses		 -2.10 2.00 0.25 0.96 0.33 0.18 1.99 4.43 2.14 1.85 4.68
Total Non-Interest Expense		 28 30 29 29 34 29 29 33 31 28 30
Salaries and Employee Benefits		 15 16 16 17 19 16 16 21 17 16 18
Net Occupancy & Equipment Expense		 3.46 3.54 3.48 3.53 3.39 3.63 3.53 3.52 3.13 3.22 3.34
Marketing Expense		 -2.08 1.55 1.43 0.90 - 0.81 1.06 0.75 -1.42 0.92 1.04
Other Operating Expenses		 12 8.61 8.07 8.34 7.77 7.85 8.18 7.66 12 7.82 8.39
Income Tax Expense		 1.43 1.28 1.38 0.64 2.80 1.25 1.16 6.29 1.23 1.51 3.73
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.01 0.02 0.06 0.08 -0.00 -0.02 0.00 0.00 - 0.00 0.00
Basic Earnings per Share		 $0.62 $0.35 $0.32 $0.16 $0.73 $0.28 $0.16 $1.36 $0.31 $0.41 $0.95
Weighted Average Basic Shares Outstanding		 12.69M 12.81M 12.88M 12.93M 12.89M 12.95M 12.91M 12.62M 12.78M 12.80M 12.87M
Diluted Earnings per Share		 $0.61 $0.34 $0.31 $0.16 $0.72 $0.27 $0.15 $1.32 $0.32 $0.39 $0.93
Weighted Average Diluted Shares Outstanding		 13.00M 13.12M 13.05M 13.17M 13.14M 13.18M 13.12M 13.01M 13.11M 13.19M 13.19M
Weighted Average Basic & Diluted Shares Outstanding		 12.84M 12.89M 12.93M 12.94M 12.95M 12.99M 12.73M 12.58M 12.84M 12.85M 12.97M

Annual Cash Flow Statements for Mvb Financial

This table details how cash moves in and out of Mvb Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.94 -12 2.97 1.92 5.78 236 44 -267 358 -80 -74
Net Cash From Operating Activities		 -61 25 33 6.69 -8.06 112 35 7.35 58 -0.29 4.03
Net Cash From Continuing Operating Activities		 -23 25 33 6.69 -8.06 113 35 7.35 58 -0.29 4.03
Net Income / (Loss) Continuing Operations		 6.82 13 7.58 12 27 37 39 14 31 20 27
Consolidated Net Income / (Loss)		 6.82 13 7.58 12 27 37 39 14 31 20 27
Provision For Loan Losses		 - 3.63 2.17 2.44 1.79 17 -6.28 14 -1.92 3.54 8.74
Depreciation Expense		 2.91 3.41 2.69 2.94 3.26 3.29 4.20 5.32 5.00 3.93 2.60
Amortization Expense		 0.97 1.06 1.19 0.97 0.82 3.58 7.02 5.12 3.42 3.64 1.75
Non-Cash Adjustments to Reconcile Net Income		 2,677 4.23 19 -8.64 -26 60 -10 -17 25 -10 -37
Changes in Operating Assets and Liabilities, net		 -1.21 - - -3.01 -15 -8.50 1.25 -15 -4.53 -21 0.98
Net Cash From Investing Activities		 -173 -56 -136 -210 -120 -294 -572 -571 88 144 -209
Net Cash From Continuing Investing Activities		 -173 -56 -136 -210 -120 -294 -572 -571 88 144 -209
Purchase of Property, Leasehold Improvements and Equipment		 -2.15 -1.67 -4.50 -2.69 -2.04 -6.62 -4.87 -3.04 -1.92 -1.62 -1.92
Purchase of Investment Securities		 -66 -147 -171 -64 -125 -254 -222 -194 -93 -114 -230
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.58 0.31 0.00 0.00 1.69 0.30 0.05 0.43 0.00 0.21
Divestitures		 48 7.05 - - - - 0.00 0.00 -0.01 0.00 46
Sale and/or Maturity of Investments		 62 107 93 56 120 171 116 202 143 61 256
Other Investing Activities, net		 -215 -22 -54 -199 -113 -70 -461 -576 39 200 -279
Net Cash From Financing Activities		 195 19 106 205 134 418 581 297 211 -224 131
Net Cash From Continuing Financing Activities		 195 19 106 205 134 418 581 297 211 -224 131
Net Change in Deposits		 120 95 53 150 144 575 558 193 331 -208 147
Issuance of Debt		 84 0.00 76 63 -12 40 30 112 -102 0.00 0.00
Repayment of Debt		 -2.18 -92 -15 -0.04 8.00 -180 -0.55 -0.25 -3.03 -6.85 0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -16 - - 0.00 0.00 -10
Payment of Dividends		 -1.22 -1.77 -1.53 -1.71 -2.77 -4.74 -6.07 -8.36 -8.64 -8.77 -8.71
Other Financing Activities, Net		 -5.68 -2.25 -2.77 -5.35 -2.59 4.56 6.30 0.01 -5.53 -1.02 2.42
Cash Interest Paid		 11 11 12 17 23 12 6.15 12 67 73 71

Quarterly Cash Flow Statements for Mvb Financial

This table details how cash moves in and out of Mvb Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -189 242 -185 155 -293 -66 148 -99 -56 -66 135
Net Cash From Operating Activities		 18 -25 27 8.64 -11 14 7.44 -2.56 -15 -23 5.18
Net Cash From Continuing Operating Activities		 18 -25 27 8.64 -11 14 7.44 -2.56 -15 -23 5.18
Net Income / (Loss) Continuing Operations		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
Consolidated Net Income / (Loss)		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
Provision For Loan Losses		 -2.10 2.00 0.25 0.96 0.33 0.18 1.99 4.43 2.14 1.85 4.68
Depreciation Expense		 1.11 1.10 1.04 0.93 0.86 0.78 0.78 0.60 0.44 0.42 0.42
Amortization Expense		 0.77 0.85 0.94 1.28 0.58 0.57 0.53 0.49 0.16 -0.06 0.02
Non-Cash Adjustments to Reconcile Net Income		 7.86 1.14 -0.46 -0.15 -10 -0.49 -1.62 -29 -6.37 -1.88 -11
Changes in Operating Assets and Liabilities, net		 2.00 -35 21 3.47 -11 9.54 3.75 3.37 -16 -29 -1.25
Net Cash From Investing Activities		 -66 26 61 28 30 31 -70 -63 -107 -79 -80
Net Cash From Continuing Investing Activities		 -66 26 61 28 30 31 -70 -63 -107 -79 -80
Purchase of Property, Leasehold Improvements and Equipment		 -0.47 -0.92 -0.26 -0.31 -0.13 -0.26 -0.19 -0.96 -0.51 -0.14 -0.33
Purchase of Investment Securities		 -21 -36 -14 -10 -54 -35 -42 -42 -111 -31 -22
Sale and/or Maturity of Investments		 0.05 14 16 5.56 25 55 62 45 93 14 15
Other Investing Activities, net		 -44 49 59 33 59 7.34 -91 -107 -88 -62 -73
Net Cash From Financing Activities		 -141 242 -273 119 -312 -112 211 -34 66 35 210
Net Cash From Continuing Financing Activities		 -141 242 -273 119 -312 -112 211 -34 66 35 210
Net Change in Deposits		 -137 244 -262 119 -308 -111 221 -28 66 55 214
Payment of Dividends		 -2.17 -2.15 -2.67 -1.72 -2.24 -2.20 -2.21 -2.14 -2.16 -2.19 -2.17
Other Financing Activities, Net		 0.58 0.20 -1.42 1.91 -1.71 1.36 -1.42 0.08 2.41 2.32 -0.77
Cash Interest Paid		 18 19 19 19 16 19 18 18 17 17 17
Cash Income Taxes Paid		 - 0.12 0.07 0.40 0.33 0.12 3.74 1.25 - 13 2.11

Annual Balance Sheets for Mvb Financial

This table presents Mvb Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,384 1,419 1,534 1,751 1,944 2,331 2,792 3,069 3,314 3,129 3,309
Cash and Due from Banks		 14 15 16 15 18 19 8.88 5.29 6.56 7.88 11
Interest Bearing Deposits at Other Banks		 15 2.49 3.96 7.47 9.57 245 299 35 392 310 234
Trading Account Securities		 226 253 298 307 254 485 494 495 462 532 548
Loans and Leases, Net of Allowance		 1,024 1,044 1,096 1,293 -12 1,428 1,852 2,349 2,295 2,080 2,321
Loans and Leases		 1,032 1,053 1,106 1,304 - 1,454 1,870 2,373 2,318 2,100 2,343
Allowance for Loan and Lease Losses		 8.01 9.10 9.88 11 12 26 18 24 22 20 22
Premises and Equipment, Net		 26 25 27 27 22 26 25 24 21 12 10
Other Assets		 48 47 60 68 1,510 114 108 135 137 186 185
Total Liabilities & Shareholders' Equity		 1,384 1,419 1,534 1,751 1,944 2,331 2,792 3,069 3,314 3,129 3,309
Total Liabilities		 1,270 1,273 1,384 1,574 1,732 2,092 2,517 2,807 3,025 2,823 2,975
Non-Interest Bearing Deposits		 80 116 126 214 467 716 1,120 1,232 1,197 941 1,145
Interest Bearing Deposits		 932 991 1,034 1,096 986 1,267 1,257 1,339 1,704 1,753 1,697
Short-Term Debt		 27 25 22 15 10 10 11 10 4.82 2.76 3.34
Other Short-Term Payables		 13 17 16 18 - 56 55 36 38 52 56
Long-Term Debt		 217 124 186 232 227 43 73 185 80 74 74
Total Equity & Noncontrolling Interests		 115 146 150 177 212 239 275 261 289 306 334
Total Preferred & Common Equity		 115 146 150 177 212 239 274 261 289 306 334
Total Common Equity		 98 129 142 169 205 232 274 261 289 306 334
Common Stock		 82 103 109 129 135 141 156 171 174 178 184
Retained Earnings		 20 31 37 48 72 105 138 145 161 172 190
Treasury Stock		 -1.08 -1.08 -1.08 -1.08 -1.08 -17 -17 -17 -17 -17 -27
Accumulated Other Comprehensive Income / (Loss)		 -2.93 -4.28 -2.99 -6.81 -1.32 2.23 -3.61 -38 -29 -28 -14

Quarterly Balance Sheets for Mvb Financial

This table presents Mvb Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 3,438 3,547 3,288 3,419 3,020 3,224 3,233 3,322 3,546
Cash and Due from Banks		 8.11 4.87 3.95 4.62 6.70 8.11 10 9.37 10
Interest Bearing Deposits at Other Banks		 579 636 452 606 245 391 290 168 302
Trading Account Securities		 429 467 478 494 543 522 453 562 582
Loans and Leases, Net of Allowance		 2,246 2,245 2,185 2,150 2,044 2,133 2,236 2,381 2,448
Loans and Leases		 2,270 2,267 2,207 2,171 2,063 2,153 2,259 2,404 2,476
Allowance for Loan and Lease Losses		 24 23 22 21 19 21 23 23 28
Premises and Equipment, Net		 21 20 20 19 11 11 10 10 9.94
Other Assets		 143 176 150 145 170 159 234 191 193
Total Liabilities & Shareholders' Equity		 3,438 3,547 3,288 3,419 3,020 3,224 3,233 3,322 3,546
Total Liabilities		 3,166 3,256 2,991 3,116 2,710 2,922 2,905 2,987 3,201
Non-Interest Bearing Deposits		 1,094 1,391 984 989 1,033 1,050 1,027 1,011 1,069
Interest Bearing Deposits		 1,945 1,754 1,899 2,013 1,551 1,754 1,749 1,886 2,042
Short-Term Debt		 4.50 3.81 2.37 4.76 4.05 3.03 2.98 24 24
Other Short-Term Payables		 41 26 32 35 48 40 52 32 32
Long-Term Debt		 82 80 74 74 74 74 74 34 34
Total Equity & Noncontrolling Interests		 271 292 297 303 310 302 328 335 345
Total Preferred & Common Equity		 271 292 297 303 310 302 328 335 345
Total Common Equity		 271 292 297 303 310 302 328 335 345
Common Stock		 173 176 177 177 179 180 182 187 187
Retained Earnings		 155 163 165 165 174 173 188 193 203
Treasury Stock		 -17 -17 -17 -17 -17 -23 -27 -27 -28
Accumulated Other Comprehensive Income / (Loss)		 -40 -31 -28 -22 -26 -28 -15 -18 -18

Annual Metrics And Ratios for Mvb Financial

This table displays calculated financial ratios and metrics derived from Mvb Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 8,061,921.00 8,083,500.00 10,444,267.00 11,540,770.00 11,824,449.00 11,785,332.00 12,039,548.00 12,609,965.00 12,736,623.00 - 12,584,334.00
DEI Adjusted Shares Outstanding		 8,061,921.00 8,083,500.00 10,444,267.00 11,540,770.00 11,824,449.00 11,785,332.00 12,039,548.00 12,609,965.00 12,736,623.00 - 12,584,334.00
DEI Earnings Per Adjusted Shares Outstanding		 0.85 1.60 0.73 1.04 2.28 3.17 3.21 1.14 2.43 - 2.14
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 37.79% 23.48% -1.41% 6.70% 36.73% 29.56% -17.21% 4.78% 2.60% 6.37% 10.23%
EBITDA Growth		 148.74% 33.17% -8.91% 18.94% 102.74% 37.67% 9.07% -56.61% 40.22% -5.04% 21.47%
EBIT Growth		 226.87% 40.53% -7.54% 24.70% 127.72% 34.07% 1.14% -68.35% 81.62% -3.48% 39.88%
NOPAT Growth		 148.70% 35.95% -15.62% 58.46% 121.31% 40.83% 1.14% -68.99% 89.40% -8.90% 32.98%
Net Income Growth		 227.85% 89.44% -41.33% 58.46% 124.87% 38.61% 3.43% -62.82% 115.51% -34.71% 32.98%
EPS Growth		 250.00% 70.13% -48.09% 47.06% 120.00% 39.09% 1.31% -62.26% 105.13% -36.25% 34.64%
Operating Cash Flow Growth		 -350.78% 141.25% 31.10% -79.79% -220.44% 1,492.15% -68.98% -78.88% 691.96% -100.49% 1,513.33%
Free Cash Flow Firm Growth		 -845.70% 196.38% -176.40% 3.00% 102.89% 12,327.51% -114.85% -197.17% 222.48% -88.14% -116.73%
Invested Capital Growth		 29.59% -17.73% 21.36% 18.37% 5.90% -34.73% 22.71% 26.99% -18.02% 2.10% 7.58%
Revenue Q/Q Growth		 8.23% 6.92% 1.10% 0.96% 6.82% 12.71% -12.75% 5.75% -0.93% 7.52% -4.06%
EBITDA Q/Q Growth		 24.30% 9.95% -3.50% 2.34% 3.82% 27.42% -4.29% -14.07% 1.32% 7.79% -15.61%
EBIT Q/Q Growth		 17.71% 21.73% -3.15% 5.85% 4.37% 20.32% -3.57% -21.55% 7.47% 12.30% -15.54%
NOPAT Q/Q Growth		 16.19% 19.31% -11.05% 15.11% 4.30% 26.10% -7.11% -21.56% 10.98% 8.13% -16.22%
Net Income Q/Q Growth		 41.15% 7.54% -10.45% 15.11% 4.23% 3.46% 13.01% -19.26% 5.25% 8.13% -16.22%
EPS Q/Q Growth		 50.98% 6.50% 0.00% 0.00% 0.00% 21.91% -5.20% -19.31% 4.35% 7.75% -16.26%
Operating Cash Flow Q/Q Growth		 -388.72% 133.72% -43.23% -69.22% 88.84% -24.69% 6.42% -72.57% 31.57% -101.03% -52.37%
Free Cash Flow Firm Q/Q Growth		 -101.14% 291.11% -243.10% -117.19% 101.43% -10.91% 20.18% -143.50% 65.88% 341.42% -122.76%
Invested Capital Q/Q Growth		 29.70% -8.37% 22.72% 29.64% -2.68% 6.96% 2.54% 13.97% 4.66% 0.17% 1.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 19.14% 20.64% 19.07% 21.26% 31.53% 33.50% 44.13% 18.28% 24.98% 22.30% 24.57%
EBIT Margin		 13.59% 15.47% 14.51% 16.95% 28.24% 29.22% 35.70% 10.78% 19.09% 17.32% 21.98%
Profit (Net Income) Margin		 9.76% 14.98% 8.91% 13.23% 21.77% 23.29% 29.09% 10.32% 21.68% 13.31% 16.06%
Tax Burden Percent		 71.83% 96.68% 61.44% 78.06% 77.09% 79.69% 81.50% 95.73% 113.60% 76.85% 73.06%
Interest Burden Percent		 100.00% 100.15% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.41% 32.78% 38.56% 21.94% 24.13% 20.31% 20.31% 21.92% 18.58% 23.15% 26.94%
Return on Invested Capital (ROIC)		 2.08% 2.74% 2.32% 3.07% 6.08% 10.08% 11.59% 2.87% 5.35% 5.35% 6.78%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.18% 4.74% 2.32% 3.07% 6.26% 10.08% 12.83% 4.77% 11.61% 5.35% 6.78%
Return on Net Nonoperating Assets (RNNOA)		 4.00% 7.17% 2.80% 4.27% 7.80% 6.49% 3.44% 2.49% 5.91% 1.45% 1.63%
Return on Equity (ROE)		 6.08% 9.92% 5.12% 7.34% 13.89% 16.57% 15.03% 5.36% 11.26% 6.80% 8.42%
Cash Return on Invested Capital (CROIC)		 -23.70% 22.20% -16.98% -13.76% 0.36% 52.10% -8.80% -20.91% 25.15% 3.28% -0.52%
Operating Return on Assets (OROA)		 0.76% 0.95% 0.84% 0.94% 1.90% 2.20% 1.85% 0.51% 0.86% 0.82% 1.14%
Return on Assets (ROA)		 0.55% 0.92% 0.51% 0.73% 1.46% 1.75% 1.51% 0.49% 0.97% 0.63% 0.84%
Return on Common Equity (ROCE)		 5.20% 8.67% 4.70% 6.99% 13.35% 16.04% 14.79% 5.35% 11.25% 6.80% 8.41%
Return on Equity Simple (ROE_SIMPLE)		 5.94% 8.87% 5.04% 6.79% 12.74% 15.62% 14.11% 5.51% 10.71% 6.62% 8.06%
Net Operating Profit after Tax (NOPAT)		 6.60 8.98 7.58 12 27 37 38 12 22 20 27
NOPAT Margin		 9.46% 10.41% 8.91% 13.23% 21.42% 23.29% 28.45% 8.42% 15.54% 13.31% 16.06%
Net Nonoperating Expense Percent (NNEP)		 -0.10% -2.00% 0.00% 0.00% -0.18% 0.00% -1.24% -1.90% -6.26% 0.00% 0.00%
SG&A Expenses to Revenue		 67.07% 66.83% 67.64% 64.59% 56.41% 48.96% 53.35% 59.64% 56.54% 58.21% 52.38%
Operating Expenses to Revenue		 82.84% 80.32% 82.94% 80.36% 70.32% 60.46% 69.02% 79.03% 82.26% 80.35% 72.81%
Earnings before Interest and Taxes (EBIT)		 9.49 13 12 15 35 47 47 15 27 26 37
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 18 16 19 39 54 59 25 36 34 41
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.14 0.87 1.31 1.10 1.30 1.06 1.70 0.99 0.93 0.87 0.97
Price to Tangible Book Value (P/TBV)		 1.41 1.02 1.50 1.23 1.44 1.07 1.72 1.00 0.93 0.87 0.97
Price to Revenue (P/Rev)		 1.61 1.31 2.19 2.05 2.14 1.53 3.51 1.85 1.87 1.74 1.93
Price to Earnings (P/E)		 18.03 9.58 26.29 16.12 10.02 6.66 11.93 17.15 8.57 13.21 11.99
Dividend Yield		 0.00% 0.00% 0.00% 0.68% 0.87% 1.72% 1.32% 3.32% 3.23% 3.32% 2.65%
Earnings Yield		 5.55% 10.44% 3.80% 6.20% 9.98% 15.02% 8.38% 5.83% 11.66% 7.57% 8.34%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.84 1.02 0.95 1.05 0.11 0.67 0.91 0.00 0.06 0.38
Enterprise Value to Revenue (EV/Rev)		 4.74 2.86 4.32 4.45 3.79 0.20 1.82 2.97 0.00 0.16 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 24.75 13.87 22.63 20.94 12.01 0.58 4.11 16.23 0.00 0.71 3.79
Enterprise Value to EBIT (EV/EBIT)		 34.86 18.52 29.76 26.26 13.41 0.67 5.09 27.51 0.00 0.92 4.24
Enterprise Value to NOPAT (EV/NOPAT)		 50.09 27.50 48.44 33.64 17.68 0.84 6.38 35.24 0.00 1.19 5.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 9.77 11.08 60.32 0.00 0.28 6.94 56.23 0.00 0.00 38.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.40 0.00 0.00 301.75 0.16 0.00 0.00 0.00 1.95 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.13 1.03 1.39 1.40 1.12 0.22 0.31 0.75 0.29 0.25 0.23
Long-Term Debt to Equity		 1.89 0.85 1.24 1.31 1.07 0.18 0.27 0.71 0.28 0.24 0.22
Financial Leverage		 1.84 1.51 1.21 1.39 1.25 0.64 0.27 0.52 0.51 0.27 0.24
Leverage Ratio		 11.13 10.77 9.98 10.05 9.51 9.47 9.95 10.92 11.59 10.83 10.06
Compound Leverage Factor		 11.13 10.78 9.98 10.05 9.51 9.47 9.95 10.92 11.59 10.83 10.06
Debt to Total Capital		 68.04% 50.67% 58.08% 58.32% 52.81% 18.31% 23.47% 42.78% 22.74% 20.02% 18.81%
Short-Term Debt to Total Capital		 7.65% 8.52% 6.25% 3.52% 2.26% 3.50% 3.17% 2.20% 1.29% 0.72% 0.81%
Long-Term Debt to Total Capital		 60.39% 42.15% 51.83% 54.80% 50.55% 14.81% 20.30% 40.58% 21.45% 19.30% 18.00%
Preferred Equity to Total Capital		 4.55% 5.53% 2.19% 1.85% 1.63% 2.50% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.27% 0.07% -0.01% 0.03% 0.00%
Common Equity to Total Capital		 27.41% 43.79% 39.73% 39.83% 45.56% 79.19% 76.26% 57.15% 77.27% 79.95% 81.19%
Debt to EBITDA		 18.27 8.41 12.84 12.83 6.07 1.00 1.44 7.67 2.38 2.26 1.88
Net Debt to EBITDA		 15.10 6.62 10.67 10.91 5.03 -4.13 -3.85 6.09 -8.77 -7.12 -4.05
Long-Term Debt to EBITDA		 16.22 6.99 11.45 12.05 5.81 0.81 1.24 7.28 2.25 2.18 1.80
Debt to NOPAT		 36.98 16.67 27.47 20.61 8.93 1.43 2.23 16.65 3.83 3.78 2.87
Net Debt to NOPAT		 30.57 13.12 22.84 17.52 7.40 -5.93 -5.97 13.22 -14.09 -11.92 -6.19
Long-Term Debt to NOPAT		 32.82 13.86 24.51 19.36 8.55 1.16 1.93 15.80 3.61 3.64 2.75
Noncontrolling Interest Sharing Ratio		 14.57% 12.55% 8.17% 4.79% 3.90% 3.25% 1.61% 0.24% 0.05% 0.01% 0.02%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -75 73 -55 -54 1.56 193 -29 -85 105 12 -2.07
Operating Cash Flow to CapEx		 -2,844.50% 2,324.20% 790.67% 248.57% -394.81% 2,277.50% 762.65% 245.76% 3,908.26% -17.59% 236.80%
Free Cash Flow to Firm to Interest Expense		 -8.17 6.52 -4.51 -3.04 0.07 16.63 -4.58 -6.03 1.57 0.16 -0.03
Operating Cash Flow to Interest Expense		 -6.64 2.27 2.69 0.38 -0.35 9.65 5.55 0.52 0.88 0.00 0.06
Operating Cash Flow Less CapEx to Interest Expense		 -6.87 2.17 2.35 0.23 -0.44 9.23 4.82 0.31 0.85 -0.02 0.03
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.06 0.06 0.07 0.08 0.05 0.05 0.04 0.05 0.05
Fixed Asset Turnover		 2.70 3.36 3.28 3.41 5.11 6.67 5.19 5.73 6.42 9.11 14.67
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 359 295 358 424 449 293 360 457 374 382 411
Invested Capital Turnover		 0.22 0.26 0.26 0.23 0.28 0.43 0.41 0.34 0.34 0.40 0.42
Increase / (Decrease) in Invested Capital		 82 -64 63 66 25 -156 67 97 -82 7.85 29
Enterprise Value (EV)		 331 247 367 404 470 31 242 413 -45 24 156
Market Capitalization		 113 113 186 186 266 246 466 258 268 265 323
Book Value per Share		 $12.20 $15.99 $13.63 $14.64 $17.30 $19.70 $22.79 $20.70 $22.72 $23.62 $26.54
Tangible Book Value per Share		 $9.91 $13.71 $11.86 $13.04 $15.64 $19.50 $22.45 $20.48 $22.72 $23.62 $26.54
Total Capital		 359 295 358 424 449 293 360 457 374 382 411
Total Debt		 244 150 208 247 237 54 84 195 85 77 77
Total Long-Term Debt		 217 124 186 232 227 43 73 185 80 74 74
Net Debt		 202 118 173 210 197 -222 -226 155 -313 -241 -167
Capital Expenditures (CapEx)		 2.15 1.09 4.19 2.69 2.04 4.93 4.57 2.99 1.49 1.62 1.70
Net Nonoperating Expense (NNE)		 -0.21 -3.94 0.00 0.00 -0.43 0.00 -0.86 -2.65 -8.78 0.00 0.00
Net Nonoperating Obligations (NNO)		 244 150 208 247 237 54 84 195 85 77 77
Total Depreciation and Amortization (D&A)		 3.88 4.46 3.88 3.91 4.08 6.88 11 10 8.42 7.57 4.35
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.78 $1.44 $0.69 $1.04 $2.26 $3.13 $3.32 $1.23 $2.46 $1.56 $2.11
Adjusted Weighted Average Basic Shares Outstanding		 8.01M 8.21M 10.31M 11.03M 11.71M 11.82M 11.78M 12.28M 12.69M 12.89M 12.78M
Adjusted Diluted Earnings per Share		 $0.76 $1.31 $0.68 $1.00 $2.20 $3.06 $3.10 $1.17 $2.40 $1.53 $2.06
Adjusted Weighted Average Diluted Shares Outstanding		 9.98M 10.07M 10.44M 12.72M 12.04M 12.09M 12.61M 12.87M 13.00M 13.14M 13.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.26 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.06M 10.00M 10.53M 11.61M 11.95M 11.57M 12.10M 12.62M 12.84M 12.95M 12.84M
Normalized Net Operating Profit after Tax (NOPAT)		 6.60 8.98 7.58 12 27 37 38 12 22 20 27
Normalized NOPAT Margin		 9.46% 10.41% 8.91% 13.23% 21.42% 23.29% 28.45% 8.42% 15.54% 13.31% 16.06%
Pre Tax Income Margin		 13.59% 15.49% 14.51% 16.95% 28.24% 29.22% 35.70% 10.78% 19.09% 17.32% 21.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.03 1.20 1.00 0.87 1.52 4.04 7.57 1.06 0.41 0.34 0.54
NOPAT to Interest Expense		 0.72 0.81 0.62 0.68 1.16 3.22 6.03 0.83 0.33 0.26 0.40
EBIT Less CapEx to Interest Expense		 0.80 1.10 0.66 0.72 1.44 3.61 6.84 0.85 0.39 0.32 0.52
NOPAT Less CapEx to Interest Expense		 0.48 0.71 0.28 0.53 1.07 2.79 5.31 0.62 0.31 0.24 0.37
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.84% 13.74% 20.21% 14.24% 10.26% 12.66% 15.69% 58.07% 27.86% 43.33% 32.34%
Augmented Payout Ratio		 17.84% 13.74% 20.21% 14.24% 10.26% 54.75% 15.69% 58.07% 27.86% 43.33% 70.08%

Quarterly Metrics And Ratios for Mvb Financial

This table displays calculated financial ratios and metrics derived from Mvb Financial's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 12,736,623.00 12,837,383.00 12,885,752.00 12,927,962.00 - 12,948,795.00 12,994,736.00 12,731,325.00 12,584,334.00 12,844,813.00 12,849,901.00
DEI Adjusted Shares Outstanding		 12,736,623.00 12,837,383.00 12,885,752.00 12,927,962.00 - 12,948,795.00 12,994,736.00 12,731,325.00 12,584,334.00 12,844,813.00 12,849,901.00
DEI Earnings Per Adjusted Shares Outstanding		 0.62 0.35 0.32 0.17 - 0.27 0.15 1.35 0.34 0.40 0.95
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.63% 6.08% -3.58% -6.77% 29.93% -11.29% -2.84% 84.06% -15.38% 8.84% 51.43%
EBITDA Growth		 4.33% 42.21% -37.03% -29.88% 21.84% -20.49% -40.30% 389.89% -55.73% 14.82% 266.38%
EBIT Growth		 25.48% 99.28% -44.46% -45.03% 30.88% -16.92% -42.73% 737.28% -55.44% 39.31% 404.83%
NOPAT Growth		 38.44% 84.66% -48.12% -44.32% 19.23% -20.95% -51.75% 694.81% -55.23% 45.66% 511.94%
Net Income Growth		 24.27% -59.88% -48.12% -44.32% 19.23% -20.95% -51.75% 694.81% -55.23% 45.66% 511.94%
EPS Growth		 19.61% -60.92% -50.79% -44.83% 18.03% -20.59% -51.61% 725.00% -55.56% 44.44% 520.00%
Operating Cash Flow Growth		 391.15% -429.47% -24.02% -14.27% -160.12% 155.93% -72.33% -129.68% -41.98% -264.96% -30.33%
Free Cash Flow Firm Growth		 198.76% -40.28% 55.36% -146.30% -98.24% 25.55% 36.66% 72.87% -1,657.92% 96.98% -137.26%
Invested Capital Growth		 -18.02% 4.46% 3.14% 6.67% 2.10% 3.24% 1.76% 6.03% 7.58% 1.40% 6.08%
Revenue Q/Q Growth		 -0.31% 6.83% -8.59% -4.23% 38.93% -27.07% 0.12% 81.42% -36.13% -6.19% 39.30%
EBITDA Q/Q Growth		 57.25% -31.09% -2.91% -33.34% 173.22% -55.03% -27.10% 446.94% -75.31% 16.64% 132.63%
EBIT Q/Q Growth		 83.63% -38.11% -4.44% -49.38% 337.21% -60.71% -34.12% 639.96% -76.73% 22.82% 138.73%
NOPAT Q/Q Growth		 104.44% -43.13% -7.84% -48.04% 337.76% -62.29% -43.75% 755.94% -75.34% 22.70% 136.32%
Net Income Q/Q Growth		 104.44% -43.13% -7.84% -48.04% 337.76% -62.29% -43.75% 755.94% -75.34% 22.70% 136.32%
EPS Q/Q Growth		 110.34% -44.26% -8.82% -48.39% 350.00% -62.50% -44.44% 780.00% -75.76% 21.88% 138.46%
Operating Cash Flow Q/Q Growth		 74.12% -243.99% 206.43% -67.87% -222.10% 233.95% -47.35% -134.47% -484.05% -55.63% 122.24%
Free Cash Flow Firm Q/Q Growth		 92.53% -112.80% 37.70% -201.46% 107.33% -641.07% 47.00% -29.10% -320.77% 98.95% -4,061.15%
Invested Capital Q/Q Growth		 4.66% 0.35% -0.82% 2.41% 0.17% 1.47% -2.24% 6.71% 1.64% -4.36% 2.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.57% 20.36% 21.63% 15.05% 29.60% 18.25% 13.29% 40.07% 15.49% 19.25% 32.15%
EBIT Margin		 26.30% 15.23% 15.93% 8.42% 26.49% 14.27% 9.39% 38.29% 13.95% 18.26% 31.30%
Profit (Net Income) Margin		 22.27% 11.86% 11.95% 6.49% 20.44% 10.57% 5.94% 28.01% 10.81% 14.14% 23.99%
Tax Burden Percent		 84.69% 77.82% 75.05% 77.06% 77.15% 74.05% 63.23% 73.15% 77.51% 77.43% 76.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 15.31% 22.18% 24.95% 22.95% 22.85% 25.95% 36.77% 26.85% 22.49% 22.57% 23.35%
Return on Invested Capital (ROIC)		 7.66% 4.68% 4.69% 2.48% 8.21% 4.09% 2.32% 12.45% 4.57% 6.18% 11.54%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.66% 4.68% 4.69% 2.48% 8.21% 4.09% 2.32% 12.45% 4.57% 6.18% 11.54%
Return on Net Nonoperating Assets (RNNOA)		 3.90% 1.43% 1.34% 0.71% 2.23% 1.10% 0.59% 3.07% 1.10% 1.31% 2.40%
Return on Equity (ROE)		 11.57% 6.11% 6.02% 3.19% 10.45% 5.19% 2.91% 15.52% 5.67% 7.48% 13.94%
Cash Return on Invested Capital (CROIC)		 25.15% 2.24% 2.48% -1.39% 3.28% 1.87% 2.82% 2.32% -0.52% 5.91% 4.02%
Operating Return on Assets (OROA)		 1.18% 0.62% 0.69% 0.35% 1.25% 0.64% 0.42% 2.01% 0.73% 0.98% 1.74%
Return on Assets (ROA)		 1.00% 0.48% 0.52% 0.27% 0.97% 0.48% 0.27% 1.47% 0.56% 0.76% 1.33%
Return on Common Equity (ROCE)		 11.56% 6.11% 6.02% 3.19% 10.45% 5.19% 2.91% 15.51% 5.67% 7.48% 13.94%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.32% 6.89% 6.18% 0.00% 6.23% 5.67% 9.80% 0.00% 8.52% 11.26%
Net Operating Profit after Tax (NOPAT)		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
NOPAT Margin		 22.27% 11.86% 11.95% 6.49% 20.44% 10.57% 5.94% 28.01% 10.81% 14.14% 23.99%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.70% 56.83% 60.10% 63.62% 48.04% 61.90% 63.83% 41.96% 48.83% 55.35% 43.11%
Operating Expenses to Revenue		 79.62% 79.51% 83.34% 88.70% 72.80% 85.21% 84.71% 54.48% 80.57% 76.68% 59.55%
Earnings before Interest and Taxes (EBIT)		 9.35 5.79 5.53 2.80 12 4.81 3.17 23 5.45 6.70 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 7.73 7.51 5.00 14 6.15 4.48 25 6.05 7.06 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.93 0.95 0.78 0.80 0.87 0.70 0.97 0.97 0.97 0.95 1.08
Price to Tangible Book Value (P/TBV)		 0.93 0.95 0.78 0.80 0.87 0.70 0.97 0.97 0.97 0.95 1.08
Price to Revenue (P/Rev)		 1.87 1.91 1.61 1.71 1.74 1.48 1.99 1.83 1.93 1.87 1.98
Price to Earnings (P/E)		 8.57 11.36 11.41 13.05 13.21 11.37 17.12 9.92 11.99 11.17 9.61
Dividend Yield		 3.23% 3.15% 3.77% 3.63% 3.32% 4.04% 3.02% 2.71% 2.65% 2.74% 2.34%
Earnings Yield		 11.66% 8.81% 8.76% 7.66% 7.57% 8.80% 5.84% 10.08% 8.34% 8.95% 10.41%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.06 0.11 0.00 0.24 0.38 0.51 0.29
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.16 0.30 0.00 0.55 0.93 1.17 0.63
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.71 1.38 0.00 1.97 3.79 4.74 2.18
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.92 1.75 0.00 2.20 4.24 5.16 2.29
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 1.19 2.31 0.00 2.99 5.81 7.00 3.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 1.14 0.00 11.35 38.81 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 1.95 6.23 0.00 10.53 0.00 8.65 7.50
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.29 0.29 0.26 0.26 0.25 0.25 0.25 0.23 0.23 0.17 0.17
Long-Term Debt to Equity		 0.28 0.27 0.25 0.24 0.24 0.24 0.24 0.23 0.22 0.10 0.10
Financial Leverage		 0.51 0.31 0.29 0.29 0.27 0.27 0.26 0.25 0.24 0.21 0.21
Leverage Ratio		 11.59 12.61 11.63 11.93 10.83 10.91 10.87 10.54 10.06 9.83 10.47
Compound Leverage Factor		 11.59 12.61 11.63 11.93 10.83 10.91 10.87 10.54 10.06 9.83 10.47
Debt to Total Capital		 22.74% 22.34% 20.40% 20.56% 20.02% 20.08% 20.29% 19.01% 18.81% 14.86% 14.36%
Short-Term Debt to Total Capital		 1.29% 1.01% 0.63% 1.25% 0.72% 1.04% 0.80% 0.74% 0.81% 6.21% 5.89%
Long-Term Debt to Total Capital		 21.45% 21.33% 19.77% 19.32% 19.30% 19.04% 19.49% 18.28% 18.00% 8.65% 8.47%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 -0.01% -0.01% 0.01% 0.03% 0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.27% 77.66% 79.59% 79.41% 79.95% 79.92% 79.71% 80.99% 81.19% 85.14% 85.64%
Debt to EBITDA		 2.38 2.21 2.26 2.49 2.26 2.41 2.63 1.58 1.88 1.39 1.07
Net Debt to EBITDA		 -8.77 -14.64 -11.30 -16.92 -7.12 -5.37 -11.00 -4.57 -4.05 -2.83 -4.71
Long-Term Debt to EBITDA		 2.25 2.11 2.19 2.34 2.18 2.28 2.52 1.52 1.80 0.81 0.63
Debt to NOPAT		 3.83 3.46 3.72 4.19 3.78 4.04 4.48 2.39 2.87 2.05 1.49
Net Debt to NOPAT		 -14.09 -22.91 -18.57 -28.44 -11.92 -8.99 -18.80 -6.94 -6.19 -4.17 -6.57
Long-Term Debt to NOPAT		 3.61 3.30 3.60 3.94 3.64 3.83 4.31 2.30 2.75 1.19 0.88
Noncontrolling Interest Sharing Ratio		 0.05% 0.03% 0.00% 0.01% 0.01% 0.00% 0.01% 0.02% 0.02% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 90 -12 -7.20 -22 1.59 -8.60 -4.56 -5.89 -25 -0.26 -11
Operating Cash Flow to CapEx		 3,701.27% -2,913.61% 11,063.79% 2,813.68% -5,195.57% 12,727.93% 3,894.76% -284.89% -3,001.00% -16,647.14% 1,575.38%
Free Cash Flow to Firm to Interest Expense		 4.85 -0.58 -0.39 -1.08 0.09 -0.52 -0.27 -0.33 -1.45 -0.02 -0.66
Operating Cash Flow to Interest Expense		 0.94 -1.27 1.45 0.43 -0.58 0.85 0.45 -0.15 -0.88 -1.43 0.32
Operating Cash Flow Less CapEx to Interest Expense		 0.92 -1.31 1.44 0.42 -0.59 0.85 0.44 -0.20 -0.90 -1.44 0.30
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.06
Fixed Asset Turnover		 6.42 6.78 6.86 7.02 9.11 9.40 9.65 11.98 14.67 15.83 18.07
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 374 376 373 382 382 388 379 405 411 393 402
Invested Capital Turnover		 0.34 0.39 0.39 0.38 0.40 0.39 0.39 0.44 0.42 0.44 0.48
Increase / (Decrease) in Invested Capital		 -82 16 11 24 7.85 12 6.56 23 29 5.44 23
Enterprise Value (EV)		 -45 -280 -147 -290 24 44 -30 96 156 200 118
Market Capitalization		 268 277 232 242 265 218 293 319 323 319 373
Book Value per Share		 $22.72 $22.73 $23.02 $23.44 $23.62 $23.94 $23.26 $25.74 $26.54 $26.07 $26.81
Tangible Book Value per Share		 $22.72 $22.73 $23.02 $23.44 $23.62 $23.94 $23.26 $25.74 $26.54 $26.07 $26.81
Total Capital		 374 376 373 382 382 388 379 405 411 393 402
Total Debt		 85 84 76 78 77 78 77 77 77 58 58
Total Long-Term Debt		 80 80 74 74 74 74 74 74 74 34 34
Net Debt		 -313 -556 -379 -532 -241 -174 -322 -223 -167 -119 -255
Capital Expenditures (CapEx)		 0.47 0.87 0.24 0.31 0.20 0.11 0.19 0.90 0.50 0.14 0.33
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 85 84 76 78 77 78 77 77 77 58 58
Total Depreciation and Amortization (D&A)		 1.87 1.95 1.98 2.21 1.44 1.34 1.32 1.09 0.60 0.36 0.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.62 $0.35 $0.32 $0.16 $0.73 $0.28 $0.16 $1.36 $0.31 $0.41 $0.95
Adjusted Weighted Average Basic Shares Outstanding		 12.69M 12.81M 12.88M 12.93M 12.89M 12.95M 12.91M 12.62M 12.78M 12.80M 12.87M
Adjusted Diluted Earnings per Share		 $0.61 $0.34 $0.31 $0.16 $0.72 $0.27 $0.15 $1.32 $0.32 $0.39 $0.93
Adjusted Weighted Average Diluted Shares Outstanding		 13.00M 13.12M 13.05M 13.17M 13.14M 13.18M 13.12M 13.01M 13.11M 13.19M 13.19M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.84M 12.89M 12.93M 12.94M 12.95M 12.99M 12.73M 12.58M 12.84M 12.85M 12.97M
Normalized Net Operating Profit after Tax (NOPAT)		 7.92 4.50 4.15 2.16 9.44 3.56 2.00 17 4.23 5.18 12
Normalized NOPAT Margin		 22.27% 11.86% 11.95% 6.49% 20.44% 10.57% 5.94% 28.01% 10.81% 14.14% 23.99%
Pre Tax Income Margin		 26.30% 15.23% 15.93% 8.42% 26.49% 14.27% 9.39% 38.29% 13.95% 18.26% 31.30%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.50 0.29 0.30 0.14 0.67 0.29 0.19 1.33 0.32 0.41 0.98
NOPAT to Interest Expense		 0.43 0.23 0.22 0.11 0.52 0.22 0.12 0.97 0.25 0.32 0.75
EBIT Less CapEx to Interest Expense		 0.48 0.25 0.28 0.12 0.66 0.28 0.18 1.28 0.29 0.40 0.96
NOPAT Less CapEx to Interest Expense		 0.40 0.18 0.21 0.09 0.51 0.21 0.11 0.92 0.22 0.31 0.73
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.86% 35.56% 44.76% 46.47% 43.33% 45.74% 48.76% 27.33% 32.34% 30.44% 22.29%
Augmented Payout Ratio		 27.86% 35.56% 44.76% 46.47% 43.33% 45.74% 48.76% 27.33% 70.08% 30.44% 35.23%

Financials Breakdown Chart

Key Financial Trends

MVB Financial’s Q2 2026 results showed a substantial rebound in profitability and continued balance-sheet growth. Total revenue increased to $51.1 million from $33.7 million in Q2 2025, while net income attributable to common shareholders rose to $12.3 million from $2.0 million. Diluted earnings per share improved to $0.93 from $0.15. Net interest income reached $32.3 million, up from $25.8 million a year earlier and above the $28.5 million reported in Q1 2026.

The balance sheet also expanded. Total assets reached $3.55 billion at June 30, 2026, up from $3.22 billion a year earlier. Net loans increased approximately 15% year over year to $2.45 billion, while total deposits rose approximately 11% to $3.12 billion. However, recent results include significant investment gains, and cash flow remains dependent on deposit inflows and investment-portfolio activity. Investors should evaluate whether the Q2 earnings improvement can persist as credit costs and funding expenses evolve.

  • Sharp earnings improvement: Net income increased nearly sixfold year over year to $12.3 million, and diluted EPS rose to $0.93 from $0.15.
  • Higher core banking income: Net interest income increased 13% from Q2 2025 and 13% sequentially from Q1 2026, supported by stronger loan interest income.
  • Loan growth accelerated: Gross loans and leases rose to $2.48 billion from $2.15 billion in Q2 2025, expanding the company’s earning-asset base.
  • Deposit growth improved funding capacity: Total deposits increased to approximately $3.12 billion from $2.81 billion a year earlier, helping finance loan growth.
  • Capital position strengthened: Total common equity rose to $344.5 million from $296.6 million in Q2 2025. Equity represented roughly 9.7% of assets, compared with about 9.0% a year earlier.
  • Operating cash flow turned positive sequentially: Cash from operating activities improved to $5.2 million in Q2 2026 from negative $23.3 million in Q1 2026.
  • Non-interest income was a major earnings contributor: Q2 non-interest income reached $18.8 million, including $12.4 million of realized and unrealized investment gains. Similar gains have been volatile, including $29.8 million in Q3 2025 and $5.9 million in Q4 2024.
  • Liquidity shifted significantly during the quarter: Cash and due from banks increased modestly, while interest-bearing deposits at other banks rose to $302.3 million from $168.3 million at the end of Q1 2026.
  • Credit costs increased: The provision for credit losses rose to $4.7 million from $2.0 million in Q2 2025. The allowance for loan losses also increased to $28.2 million from $20.8 million, requiring continued monitoring as the loan book expands.
  • Cash flow remained investment- and funding-dependent: Investing activities used $80.1 million in Q2 2026, while the $209.9 million financing inflow was driven primarily by a $214.0 million increase in deposits. This creates sensitivity to deposit retention and securities-portfolio movements.
10/13/26 11:09 PM ETAI Generated. May Contain Errors.

Mvb Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Mvb Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Mvb Financial's net income appears to be on an upward trend, with a most recent value of $26.92 million in 2025, rising from $6.82 million in 2015. The previous period was $20.25 million in 2024. Find out what analysts predict for Mvb Financial in the coming months.

Over the last 10 years, Mvb Financial's total revenue changed from $69.83 million in 2015 to $167.67 million in 2025, a change of 140.1%.

In the past 11 quarters, Mvb Financial's cash and equivalents has ranged from $3.95 million in Q2 2024 to $10.48 million in Q3 2025, and is currently $10.33 million as of their latest financial filing in Q2 2026.

Mvb Financial had total debt of $77.37 million at the end of 2025, a 1.1% increase from 2024, and a 68.3% decrease since 2015.

Over the last 10 years, Mvb Financial's book value per share changed from 12.20 in 2015 to 26.54 in 2025, a change of 117.5%.


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Financial statements for NASDAQ:MVBF last updated on 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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