MVB Financial Corp. (MVBF)

MVB Financial Statistics

Total Valuation

MVB Financial has a market cap or net worth of $240.53 million. The enterprise value is $74.00 million.

Market Cap	240.53M
Enterprise Value	74.00M

Important Dates

The last earnings date was Wednesday, April 30, 2025, after market close.

Earnings Date	Apr 30, 2025
Ex-Dividend Date	Feb 28, 2025

Share Statistics

MVB Financial has 12.99 million shares outstanding. The number of shares has increased by 0.99% in one year.

Current Share Class	12.99M
Shares Outstanding	12.99M
Shares Change (YoY)	+0.99%
Shares Change (QoQ)	-0.11%
Owned by Insiders (%)	8.75%
Owned by Institutions (%)	54.81%
Float	11.86M

Valuation Ratios

The trailing PE ratio is 12.68 and the forward PE ratio is 13.68.

PE Ratio	12.68
Forward PE	13.68
PS Ratio	1.59
Forward PS	1.61
PB Ratio	0.75
P/TBV Ratio	0.80
P/FCF Ratio	6.49
P/OCF Ratio	6.33
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.86
EV / Sales	0.51
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.94

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.41%.

Return on Equity (ROE)	6.41%
Return on Assets (ROA)	0.59%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$322,519
Profits Per Employee	$42,353
Employee Count	453
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, MVB Financial has paid $6.06 million in taxes.

Income Tax	6.06M
Effective Tax Rate	23.90%

Stock Price Statistics

The stock price has decreased by -0.70% in the last 52 weeks. The beta is 0.91, so MVB Financial's price volatility has been similar to the market average.

Beta (5Y)	0.91
52-Week Price Change	-0.70%
50-Day Moving Average	17.11
200-Day Moving Average	19.55
Relative Strength Index (RSI)	69.85
Average Volume (20 Days)	23,800

Short Selling Information

The latest short interest is 79,670, so 0.61% of the outstanding shares have been sold short.

Short Interest	79,670
Short Previous Month	80,467
Short % of Shares Out	0.61%
Short % of Float	0.67%
Short Ratio (days to cover)	2.72

Income Statement

In the last 12 months, MVB Financial had revenue of $146.10 million and earned $19.19 million in profits. Earnings per share was $1.46.

Revenue	146.10M
Gross Profit	146.10M
Operating Income	29.60M
Pretax Income	28.71M
Net Income	19.19M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.46

Balance Sheet

The company has $255.80 million in cash and $82.25 million in debt, giving a net cash position of $173.55 million or $13.36 per share.

Cash & Cash Equivalents	255.80M
Total Debt	82.25M
Net Cash	173.55M
Net Cash Per Share	$13.36
Equity (Book Value)	310.05M
Book Value Per Share	23.94
Working Capital	-2.32B

Cash Flow

In the last 12 months, operating cash flow was $39.10 million and capital expenditures -$960,000, giving a free cash flow of $38.14 million.

Operating Cash Flow	39.10M
Capital Expenditures	-960,000
Free Cash Flow	38.14M
FCF Per Share	$2.94

Margins

Gross Margin	n/a
Operating Margin	20.26%
Pretax Margin	17.36%
Profit Margin	13.13%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.11%

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.67%.

Dividend Per Share	$0.68
Dividend Yield	3.67%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	46.59%
Buyback Yield	-0.99%
Shareholder Yield	2.80%
Earnings Yield	7.75%
FCF Yield	15.41%

Analyst Forecast

The average price target for MVB Financial is $24.67, which is 33.28% higher than the current price. The consensus rating is "Buy".

Price Target	$24.67
Price Target Difference	33.28%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on April 2, 2014. It was a forward split with a ratio of 2:1.

Last Split Date	Apr 2, 2014
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4