MVBF

MVB Financial

Fundamental data last updated:March 2, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

59

Business Summary

MVB Financial operates as a regional bank providing commercial and retail banking services. It generates revenue primarily through lending, deposit services, and related financial products within its regional markets.

 


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VALUATION

P/E

13.1

Market Cap ($M USD)

$343

Forward P/E

9.5

PEG

0.2

PRICE TO SALES

2.8

PRICE TO BOOK

1

EV / EBITDA

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

2.50%

Annual Payout

$0.68

Payout Ratio

27.20%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

11.20%

Financial Health & Profitability

Earnings Per Share

$2.50

Next Year EPS Growth Estimate

$2.85

Next Year Revenue Growth Estimate

14.00%

Return on Equity (ROE)

9.80%

FREE CASH FLOW

Operating Margin

6.90%

Debt-to-Equity

0.2

Piotroski F-Score

Altman Z-Score

Return on Invested Capital (ROIC)

Current Ratio

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze MVBF on TradingView

Gainseekers Quantitative Analysis

Summary

MVB Financial is a regional bank with a $343 million market cap trading at 13.1x earnings and 9.5x forward earnings, suggesting a more attractive valuation on expected growth. The company is projected to grow EPS from $2.50 to $2.85 next year alongside 14.00% expected sales growth, while maintaining a modest 1.0 price-to-book ratio. Profitability remains moderate with a 9.80% return on equity, a 6.90% operating margin, and a 2.50% dividend yield supported by a 27.20% payout ratio.

AI Exposure / Tech Reliance

As a regional bank, its performance relies primarily on traditional banking operations rather than significant AI or advanced technology exposure. Technology likely supports operations, but AI is not a primary earnings driver based on the provided data.

The Bull Case

The stock appears attractively valued with a forward P/E of 9.5 and a low PEG of 0.2, alongside projected 14.00% sales growth and rising EPS. A conservative debt-to-equity ratio of 0.2 and a modest 27.20% payout ratio support balance sheet stability and continued dividend payments.

The Bear Case

Profitability metrics such as a 9.80% return on equity and 6.90% operating margin are relatively modest, which may limit upside if growth expectations are not met. With a price-to-sales ratio of 2.8 and only moderate institutional ownership at 56.00%, the stock may lack strong margin expansion or broad sponsorship catalysts.

Market Sentiment & Smart Money

Short Interest %

1.90%

Analyst Consensus

1.8

Average Analyst Price Target

$32.00

Institutional Ownership %

56.00%

1-Year Beta

Insider Buying % (6 Mo)

Distance to 52-Week High

Distance to 52-Week Low

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.