Mvb Financial (MVBF) Financials

$29.41 0.00 (0.00%)

Closing price 07/2/2026 04:00 PM Eastern

Extended Trading

$29.49 +0.08 (+0.27%)

As of 07/2/2026 04:10 PM Eastern

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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
Net Income / (Loss) Attributable to Common Shareholders	3.87	7.91	4.48	4.09	2.08	9.44	3.58	2.00	17	4.23	5.18
Consolidated Net Income / (Loss)	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
Net Income / (Loss) Continuing Operations	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
Total Pre-Tax Income	5.09	9.35	5.79	5.53	2.80	12	4.81	3.17	23	5.45	6.70
Total Revenue	36	36	38	35	33	46	34	34	61	39	37
Net Interest Income / (Expense)	30	31	30	28	27	25	27	26	27	28	28
Total Interest Income	48	50	50	46	47	43	43	42	44	45	45
Loans and Leases Interest Income	40	42	40	39	39	36	35	35	36	38	37
Investment Securities Interest Income	1.89	2.17	2.47	2.47	2.56	2.90	3.46	3.50	3.82	4.35	4.87
Deposits and Money Market Investments Interest Income	6.40	5.94	7.34	5.07	5.22	4.19	4.73	3.59	4.40	3.62	3.03
Total Interest Expense	18	19	20	19	20	18	17	17	18	17	16
Deposits Interest Expense	17	18	19	18	19	17	16	16	17	16	15
Long-Term Debt Interest Expense	1.00	0.99	0.96	0.92	0.81	0.80	0.80	0.80	0.80	0.91	0.99
Federal Funds Purchased and Securities Sold Interest Expense	0.00	0.00	0.00	0.01	0.02	0.02	0.07	0.02	0.01	0.01	0.02
Total Non-Interest Income	5.79	4.44	7.83	7.14	6.66	21	7.01	7.95	35	11	8.21
Service Charges on Deposit Accounts	-	-	4.81	3.82	-	-	4.99	4.65	-	-	5.09
Other Service Charges	5.97	-3.09	3.59	2.74	5.39	15	1.49	1.24	4.82	-3.47	0.49
Net Realized & Unrealized Capital Gains on Investments	-0.18	-2.79	-0.57	0.59	1.27	15	0.53	2.05	30	5.94	2.64
Provision for Credit Losses	-0.16	-2.10	2.00	0.25	0.96	0.33	0.18	1.99	4.43	2.14	1.85
Total Non-Interest Expense	31	28	30	29	29	34	29	29	33	31	28
Salaries and Employee Benefits	16	15	16	16	17	19	16	16	21	17	16
Net Occupancy & Equipment Expense	3.62	3.46	3.54	3.48	3.53	3.39	3.63	3.53	3.52	3.13	3.22
Marketing Expense	1.36	-2.08	1.55	1.43	0.90	-	0.81	2.20	0.75	-1.42	0.92
Other Operating Expenses	9.73	12	8.61	8.07	8.34	7.77	7.85	7.04	7.66	12	7.82
Income Tax Expense	1.22	1.43	1.28	1.38	0.64	2.80	1.25	1.16	6.29	1.23	1.51
Net Income / (Loss) Attributable to Noncontrolling Interest	0.01	0.01	0.02	0.06	0.08	-0.00	-0.02	0.00	0.00	-	0.00
Basic Earnings per Share	$0.30	$0.62	$0.35	$0.32	$0.16	$0.73	$0.28	$0.16	$1.36	$0.31	$0.41
Weighted Average Basic Shares Outstanding	12.72M	12.69M	12.81M	12.88M	12.93M	12.89M	12.95M	12.91M	12.62M	12.78M	12.80M
Diluted Earnings per Share	$0.29	$0.61	$0.34	$0.31	$0.16	$0.72	$0.27	$0.15	$1.32	$0.32	$0.39
Weighted Average Diluted Shares Outstanding	13.12M	13.00M	13.12M	13.05M	13.17M	13.14M	13.18M	13.12M	13.01M	13.11M	13.19M
Weighted Average Basic & Diluted Shares Outstanding	12.74M	12.84M	12.89M	12.93M	12.94M	12.95M	12.99M	12.73M	12.58M	12.84M	12.85M
Cash Dividends to Common per Share	$0.17	-	$0.17	$0.17	$0.17	-	$0.17	$0.17	$0.17	-	$0.17

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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
Net Change in Cash & Equivalents	131	-189	242	-185	155	-293	-66	148	-99	-56	-66
Net Cash From Operating Activities	10	18	-25	27	8.64	-11	14	7.44	-2.56	-15	-23
Net Cash From Continuing Operating Activities	10	18	-25	27	8.64	-11	14	7.44	-2.56	-15	-23
Net Income / (Loss) Continuing Operations	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
Consolidated Net Income / (Loss)	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
Provision For Loan Losses	-0.16	-2.10	2.00	0.25	0.96	0.33	0.18	1.99	4.43	2.14	1.85
Depreciation Expense	1.21	1.11	1.10	1.04	0.93	0.86	0.78	0.78	0.60	0.44	0.42
Amortization Expense	0.84	0.77	0.85	0.94	1.28	0.58	0.57	0.53	0.49	0.16	-0.06
Non-Cash Adjustments to Reconcile Net Income	0.89	7.86	1.14	-0.46	-0.15	-10	-0.49	-1.62	-29	-6.37	-1.88
Changes in Operating Assets and Liabilities, net	3.42	2.00	-35	21	3.47	-11	9.54	3.75	3.37	-16	-29
Net Cash From Investing Activities	44	-66	26	61	28	30	31	-70	-63	-107	-79
Net Cash From Continuing Investing Activities	44	-66	26	61	28	30	31	-70	-63	-107	-79
Purchase of Property, Leasehold Improvements and Equipment	-0.23	-0.47	-0.92	-0.26	-0.31	-0.13	-0.26	-0.19	-0.96	-0.51	-0.14
Purchase of Investment Securities	-11	-21	-36	-14	-10	-54	-35	-42	-42	-111	-31
Sale of Property, Leasehold Improvements and Equipment	-	-	0.05	0.01	0.00	-0.07	0.15	-	0.06	0.01	0.00
Divestitures	-	-	0.00	-	-	-	3.46	-	42	-	0.00
Sale and/or Maturity of Investments	23	0.05	14	16	5.56	25	55	62	45	93	14
Other Investing Activities, net	32	-44	49	59	33	59	7.34	-91	-107	-88	-62
Net Cash From Financing Activities	77	-141	242	-273	119	-312	-112	211	-34	66	35
Net Cash From Continuing Financing Activities	77	-141	242	-273	119	-312	-112	211	-34	66	35
Net Change in Deposits	80	-137	244	-262	119	-308	-111	221	-28	66	55
Issuance of Debt	-	-	-	-	-	-	0.00	-	-	-	20
Repayment of Debt	-0.38	-1.70	-0.25	-6.60	-	0.01	0.00	-	-	-	-40
Payment of Dividends	-2.16	-2.17	-2.15	-2.67	-1.72	-2.24	-2.20	-2.21	-2.14	-2.16	-2.19
Other Financing Activities, Net	-0.20	0.58	0.20	-1.42	1.91	-1.71	1.36	-1.42	0.08	2.41	2.32
Cash Interest Paid	18	18	19	19	19	16	19	18	18	17	17
Cash Income Taxes Paid	1.98	-	0.12	0.07	0.40	0.33	0.12	3.74	1.25	-	13

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

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

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%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
DEI Shares Outstanding	12,719,823.00	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
DEI Adjusted Shares Outstanding	12,719,823.00	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
DEI Earnings Per Adjusted Shares Outstanding	0.30	0.62	0.35	0.32	0.17	-	0.27	0.15	1.35	0.34	0.40
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.97%	-3.63%	6.08%	-3.58%	-6.77%	29.93%	-11.29%	-2.84%	84.06%	-15.38%	8.84%
EBITDA Growth	49.10%	4.33%	42.21%	-37.03%	-29.88%	21.84%	-20.49%	-40.30%	389.89%	-55.73%	14.82%
EBIT Growth	152.36%	25.48%	99.28%	-44.46%	-45.03%	30.88%	-16.92%	-42.73%	737.28%	-55.44%	39.31%
NOPAT Growth	111.24%	38.44%	84.66%	-48.12%	-44.32%	19.23%	-20.95%	-51.75%	694.81%	-55.23%	45.66%
Net Income Growth	51.55%	24.27%	-59.88%	-48.12%	-44.32%	19.23%	-20.95%	-51.75%	694.81%	-55.23%	45.66%
EPS Growth	38.10%	19.61%	-60.92%	-50.79%	-44.83%	18.03%	-20.59%	-51.61%	725.00%	-55.56%	44.44%
Operating Cash Flow Growth	-29.67%	391.15%	-429.47%	-24.02%	-14.27%	-160.12%	155.93%	-72.33%	-129.68%	-41.98%	-264.96%
Free Cash Flow Firm Growth	197.28%	198.76%	-40.28%	55.36%	-146.30%	-98.24%	25.55%	36.66%	72.87%	-1,657.92%	96.98%
Invested Capital Growth	-10.73%	-18.02%	4.46%	3.14%	6.67%	2.10%	3.24%	1.76%	6.03%	7.58%	1.40%
Revenue Q/Q Growth	-0.96%	-0.31%	6.83%	-8.59%	-4.23%	38.93%	-27.07%	0.12%	81.42%	-36.13%	-6.19%
EBITDA Q/Q Growth	-40.14%	57.25%	-31.09%	-2.91%	-33.34%	173.22%	-55.03%	-27.10%	446.94%	-75.31%	16.64%
EBIT Q/Q Growth	-48.86%	83.63%	-38.11%	-4.44%	-49.38%	337.21%	-60.71%	-34.12%	639.96%	-76.73%	22.82%
NOPAT Q/Q Growth	-51.59%	104.44%	-43.13%	-7.84%	-48.04%	337.76%	-62.29%	-43.75%	755.94%	-75.34%	22.70%
Net Income Q/Q Growth	-51.59%	104.44%	-43.13%	-7.84%	-48.04%	337.76%	-62.29%	-43.75%	755.94%	-75.34%	22.70%
EPS Q/Q Growth	-53.97%	110.34%	-44.26%	-8.82%	-48.39%	350.00%	-62.50%	-44.44%	780.00%	-75.76%	21.88%
Operating Cash Flow Q/Q Growth	-71.52%	74.12%	-243.99%	206.43%	-67.87%	-222.10%	233.95%	-47.35%	-134.47%	-484.05%	-55.63%
Free Cash Flow Firm Q/Q Growth	390.65%	92.53%	-112.80%	37.70%	-201.46%	107.33%	-641.07%	47.00%	-29.10%	-320.77%	98.95%
Invested Capital Q/Q Growth	-0.97%	4.66%	0.35%	-0.82%	2.41%	0.17%	1.47%	-2.24%	6.71%	1.64%	-4.36%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	20.01%	31.57%	20.36%	21.63%	15.05%	29.60%	18.25%	13.29%	40.07%	15.49%	19.25%
EBIT Margin	14.28%	26.30%	15.23%	15.93%	8.42%	26.49%	14.27%	9.39%	38.29%	13.95%	18.26%
Profit (Net Income) Margin	10.86%	22.27%	11.86%	11.95%	6.49%	20.44%	10.57%	5.94%	28.01%	10.81%	14.14%
Tax Burden Percent	76.07%	84.69%	77.82%	75.05%	77.06%	77.15%	74.05%	63.23%	73.15%	77.51%	77.43%
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	23.93%	15.31%	22.18%	24.95%	22.95%	22.85%	25.95%	36.77%	26.85%	22.49%	22.57%
Return on Invested Capital (ROIC)	4.13%	7.66%	4.68%	4.69%	2.48%	8.21%	4.09%	2.32%	12.45%	4.57%	6.18%
ROIC Less NNEP Spread (ROIC-NNEP)	4.13%	7.66%	4.68%	4.69%	2.48%	8.21%	4.09%	2.32%	12.45%	4.57%	6.18%
Return on Net Nonoperating Assets (RNNOA)	1.95%	3.90%	1.43%	1.34%	0.71%	2.23%	1.10%	0.59%	3.07%	1.10%	1.31%
Return on Equity (ROE)	6.08%	11.57%	6.11%	6.02%	3.19%	10.45%	5.19%	2.91%	15.52%	5.67%	7.48%
Cash Return on Invested Capital (CROIC)	16.62%	25.15%	2.24%	2.48%	-1.39%	3.28%	1.87%	2.82%	2.32%	-0.52%	5.91%
Operating Return on Assets (OROA)	0.63%	1.18%	0.62%	0.69%	0.35%	1.25%	0.64%	0.42%	2.01%	0.73%	0.98%
Return on Assets (ROA)	0.48%	1.00%	0.48%	0.52%	0.27%	0.97%	0.48%	0.27%	1.47%	0.56%	0.76%
Return on Common Equity (ROCE)	6.07%	11.56%	6.11%	6.02%	3.19%	10.45%	5.19%	2.91%	15.51%	5.67%	7.48%
Return on Equity Simple (ROE_SIMPLE)	10.85%	0.00%	8.32%	6.89%	6.18%	0.00%	6.23%	5.67%	9.80%	0.00%	8.52%
Net Operating Profit after Tax (NOPAT)	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
NOPAT Margin	10.86%	22.27%	11.86%	11.95%	6.49%	20.44%	10.57%	5.94%	28.01%	10.81%	14.14%
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	58.88%	45.70%	56.83%	60.10%	63.62%	48.04%	61.90%	63.83%	41.96%	48.83%	55.35%
Operating Expenses to Revenue	86.17%	79.62%	79.51%	83.34%	88.70%	72.80%	85.21%	84.71%	54.48%	80.57%	76.68%
Earnings before Interest and Taxes (EBIT)	5.09	9.35	5.79	5.53	2.80	12	4.81	3.17	23	5.45	6.70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	7.14	11	7.73	7.51	5.00	14	6.15	4.48	25	6.05	7.06
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.02	0.93	0.95	0.78	0.80	0.87	0.70	0.97	0.97	0.97	0.95
Price to Tangible Book Value (P/TBV)	1.03	0.93	0.95	0.78	0.80	0.87	0.70	0.97	0.97	0.97	0.95
Price to Revenue (P/Rev)	1.92	1.87	1.91	1.61	1.71	1.74	1.48	1.99	1.83	1.93	1.87
Price to Earnings (P/E)	9.31	8.57	11.36	11.41	13.05	13.21	11.37	17.12	9.92	11.99	11.17
Dividend Yield	3.12%	3.23%	3.15%	3.77%	3.63%	3.32%	4.04%	3.02%	2.71%	2.65%	2.74%
Earnings Yield	10.74%	11.66%	8.81%	8.76%	7.66%	7.57%	8.80%	5.84%	10.08%	8.34%	8.95%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.06	0.11	0.00	0.24	0.38	0.51
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.16	0.30	0.00	0.55	0.93	1.17
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.71	1.38	0.00	1.97	3.79	4.74
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.92	1.75	0.00	2.20	4.24	5.16
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	1.19	2.31	0.00	2.99	5.81	7.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	1.14	0.00	11.35	38.81	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	1.95	6.23	0.00	10.53	0.00	8.65
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.32	0.29	0.29	0.26	0.26	0.25	0.25	0.25	0.23	0.23	0.17
Long-Term Debt to Equity	0.30	0.28	0.27	0.25	0.24	0.24	0.24	0.24	0.23	0.22	0.10
Financial Leverage	0.47	0.51	0.31	0.29	0.29	0.27	0.27	0.26	0.25	0.24	0.21
Leverage Ratio	12.75	11.59	12.61	11.63	11.93	10.83	10.91	10.87	10.54	10.06	9.83
Compound Leverage Factor	12.75	11.59	12.61	11.63	11.93	10.83	10.91	10.87	10.54	10.06	9.83
Debt to Total Capital	24.16%	22.74%	22.34%	20.40%	20.56%	20.02%	20.08%	20.29%	19.01%	18.81%	14.86%
Short-Term Debt to Total Capital	1.26%	1.29%	1.01%	0.63%	1.25%	0.72%	1.04%	0.80%	0.74%	0.81%	6.21%
Long-Term Debt to Total Capital	22.90%	21.45%	21.33%	19.77%	19.32%	19.30%	19.04%	19.49%	18.28%	18.00%	8.65%
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%	0.01%	0.03%	0.03%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	75.85%	77.27%	77.66%	79.59%	79.41%	79.95%	79.92%	79.71%	80.99%	81.19%	85.14%
Debt to EBITDA	2.45	2.38	2.21	2.26	2.49	2.26	2.41	2.63	1.58	1.88	1.39
Net Debt to EBITDA	-14.20	-8.77	-14.64	-11.30	-16.92	-7.12	-5.37	-11.00	-4.57	-4.05	-2.83
Long-Term Debt to EBITDA	2.32	2.25	2.11	2.19	2.34	2.18	2.28	2.52	1.52	1.80	0.81
Debt to NOPAT	4.32	3.83	3.46	3.72	4.19	3.78	4.04	4.48	2.39	2.87	2.05
Net Debt to NOPAT	-25.00	-14.09	-22.91	-18.57	-28.44	-11.92	-8.99	-18.80	-6.94	-6.19	-4.17
Long-Term Debt to NOPAT	4.09	3.61	3.30	3.60	3.94	3.64	3.83	4.31	2.30	2.75	1.19
Noncontrolling Interest Sharing Ratio	0.08%	0.05%	0.03%	0.00%	0.01%	0.01%	0.00%	0.01%	0.02%	0.02%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	47	90	-12	-7.20	-22	1.59	-8.60	-4.56	-5.89	-25	-0.26
Operating Cash Flow to CapEx	4,419.30%	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%
Free Cash Flow to Firm to Interest Expense	2.54	4.85	-0.58	-0.39	-1.08	0.09	-0.52	-0.27	-0.33	-1.45	-0.02
Operating Cash Flow to Interest Expense	0.55	0.94	-1.27	1.45	0.43	-0.58	0.85	0.45	-0.15	-0.88	-1.43
Operating Cash Flow Less CapEx to Interest Expense	0.53	0.92	-1.31	1.44	0.42	-0.59	0.85	0.44	-0.20	-0.90	-1.44
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05
Fixed Asset Turnover	6.26	6.42	6.78	6.86	7.02	9.11	9.40	9.65	11.98	14.67	15.83
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	358	374	376	373	382	382	388	379	405	411	393
Invested Capital Turnover	0.38	0.34	0.39	0.39	0.38	0.40	0.39	0.39	0.44	0.42	0.44
Increase / (Decrease) in Invested Capital	-43	-82	16	11	24	7.85	12	6.56	23	29	5.44
Enterprise Value (EV)	-223	-45	-280	-147	-290	24	44	-30	96	156	200
Market Capitalization	278	268	277	232	242	265	218	293	319	323	319
Book Value per Share	$21.34	$22.72	$22.73	$23.02	$23.44	$23.62	$23.94	$23.26	$25.74	$26.54	$26.07
Tangible Book Value per Share	$21.11	$22.72	$22.73	$23.02	$23.44	$23.62	$23.94	$23.26	$25.74	$26.54	$26.07
Total Capital	358	374	376	373	382	382	388	379	405	411	393
Total Debt	86	85	84	76	78	77	78	77	77	77	58
Total Long-Term Debt	82	80	80	74	74	74	74	74	74	74	34
Net Debt	-501	-313	-556	-379	-532	-241	-174	-322	-223	-167	-119
Capital Expenditures (CapEx)	0.23	0.47	0.87	0.24	0.31	0.20	0.11	0.19	0.90	0.50	0.14
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)	86	85	84	76	78	77	78	77	77	77	58
Total Depreciation and Amortization (D&A)	2.05	1.87	1.95	1.98	2.21	1.44	1.34	1.32	1.09	0.60	0.36
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.30	$0.62	$0.35	$0.32	$0.16	$0.73	$0.28	$0.16	$1.36	$0.31	$0.41
Adjusted Weighted Average Basic Shares Outstanding	12.72M	12.69M	12.81M	12.88M	12.93M	12.89M	12.95M	12.91M	12.62M	12.78M	12.80M
Adjusted Diluted Earnings per Share	$0.29	$0.61	$0.34	$0.31	$0.16	$0.72	$0.27	$0.15	$1.32	$0.32	$0.39
Adjusted Weighted Average Diluted Shares Outstanding	13.12M	13.00M	13.12M	13.05M	13.17M	13.14M	13.18M	13.12M	13.01M	13.11M	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	12.74M	12.84M	12.89M	12.93M	12.94M	12.95M	12.99M	12.73M	12.58M	12.84M	12.85M
Normalized Net Operating Profit after Tax (NOPAT)	3.87	7.92	4.50	4.15	2.16	9.44	3.56	2.00	17	4.23	5.18
Normalized NOPAT Margin	10.86%	22.27%	11.86%	11.95%	6.49%	20.44%	10.57%	5.94%	28.01%	10.81%	14.14%
Pre Tax Income Margin	14.28%	26.30%	15.23%	15.93%	8.42%	26.49%	14.27%	9.39%	38.29%	13.95%	18.26%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.28	0.50	0.29	0.30	0.14	0.67	0.29	0.19	1.33	0.32	0.41
NOPAT to Interest Expense	0.21	0.43	0.23	0.22	0.11	0.52	0.22	0.12	0.97	0.25	0.32
EBIT Less CapEx to Interest Expense	0.26	0.48	0.25	0.28	0.12	0.66	0.28	0.18	1.28	0.29	0.40
NOPAT Less CapEx to Interest Expense	0.20	0.40	0.18	0.21	0.09	0.51	0.21	0.11	0.92	0.22	0.31
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	29.25%	27.86%	35.56%	44.76%	46.47%	43.33%	45.74%	48.76%	27.33%	32.34%	30.44%
Augmented Payout Ratio	29.25%	27.86%	35.56%	44.76%	46.47%	43.33%	45.74%	48.76%	27.33%	70.08%	30.44%

Financials Breakdown Chart

Key Financial Trends

MVB Financial’s latest quarter shows a sharp rebound in profitability, but the balance sheet and cash flow trends remain mixed. In Q1 2026, MVBF earned $5.2 million, up from $4.2 million in Q4 2025 and well above the $3.6 million it reported in Q1 2025. On a year-over-year basis, that is a meaningful improvement. However, operating cash flow was still negative, and deposits fell materially from the prior quarter, so investors should view the results as encouraging but not fully clean.

Profitability improved year over year. Q1 2026 net income of $5.2 million was higher than $3.6 million in Q1 2025 and $4.2 million in Q4 2025.
Net interest income held up well. Q1 2026 net interest income was $28.5 million, slightly above Q4 2025 and above Q1 2025, showing the core banking spread remains stable.
Revenue growth was supported by non-interest income. Total non-interest income rose to $8.2 million in Q1 2026 from $7.0 million in Q1 2025.
Allowance coverage remains meaningful. The allowance for loan and lease losses was $22.6 million against $2.40 billion in loans and leases, suggesting the bank still maintains a cushion for credit risk.
Equity increased modestly. Total common equity rose to $334.9 million in Q1 2026 from $310.1 million a year earlier.
Loan growth continued. Loans and leases increased to $2.40 billion from $2.06 billion in Q1 2025, supporting earning assets, though it also raises the importance of credit quality monitoring.
Interest expense stayed elevated but controlled. Deposit interest expense remained the largest funding cost, and management has not yet shown a major drop in funding pressure.
Quarterly EPS improved. Basic EPS came in at $0.41 in Q1 2026 versus $0.28 in Q1 2025, but part of the improvement came from stronger non-interest income, which can be less predictable.
Operating cash flow was negative. Q1 2026 net cash from operating activities was -$23.3 million, following -$14.9 million in Q4 2025, which is a weak sign for short-term cash generation.
Deposits declined sharply in the quarter. Net change in deposits was -$55.3 million in Q1 2026, reversing the strong inflows seen in prior periods and signaling some funding volatility.

Longer-term trend: MVBF’s earnings profile has been volatile over the last four years, with several quarters showing strong non-interest income and others showing pressure from funding costs, expenses, or deposit swings. The recent quarter is better than the same period last year, but the company still relies on investment gains and deposit dynamics to boost results. That makes the stock’s earnings power somewhat less consistent than a purely stable traditional lender.

Bottom line: Q1 2026 was a solid quarter for profit growth and net interest income, but investors should keep an eye on operating cash flow, deposit stability, and whether the recent improvement in earnings can be sustained without relying too heavily on volatile non-interest income.

07/04/26 01:47 AM 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 fiscal year ends in December. Their fiscal 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. See where experts think Mvb Financial is headed by visiting Mvb Financial's forecast page.

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%.

Mvb Financial's total liabilities were at $2.97 billion at the end of 2025, a 5.4% increase from 2024, and a 134.3% increase since 2015.

In the past 10 years, Mvb Financial's cash and equivalents has ranged from $5.29 million in 2022 to $19.11 million in 2020, and is currently $10.57 million as of their latest financial filing in 2025.

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 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Mvb Financial (MVBF) Financials

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Mvb Financial (MVBF) Financials

Annual Income Statements for Mvb Financial

Quarterly Income Statements for Mvb Financial

Annual Cash Flow Statements for Mvb Financial

Quarterly Cash Flow Statements for Mvb Financial

Annual Balance Sheets for Mvb Financial

Quarterly Balance Sheets for Mvb Financial

Annual Metrics And Ratios for Mvb Financial

Quarterly Metrics And Ratios for Mvb Financial

Financials Breakdown Chart

Key Financial Trends

Mvb Financial Financials - Frequently Asked Questions

When does Mvb Financial's financial year end?

How has Mvb Financial's net income changed over the last 10 years?

How has Mvb Financial's revenue changed over the last 10 years?

How much debt does Mvb Financial have?

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How has Mvb Financial's book value per share changed over the last 10 years?

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