MVB Financial (MVBF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

MVB Financial

NasdaqCM•Financial Services•Banks - Regional

$31.33+0.01(<0.01%)Market closed

Market Cap

$393.69M

P/E

10.1x

P/S

2.1x

P/B

1.1x

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. The company was founded in 1999 and is based in Fairmont, West Virginia.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Growth (25/25); weakest: Cash & Earnings Quality (6/25).

Profitability23/25

Growth25/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality6/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.1x5y range 9.2x – 18.7x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.5x – 3.6x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Cash Burn

Watch

4 of the last 8 quarters had negative FCF — inconsistent cash generation raises sustainability concerns.

Price & Volume

Market Cap $393.69M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $188.00M
Q. Revenue: $51.07M
TTM EBITDA: $67.92M
TTM Op. Income: $64.66M
Q. Op. Income: $20.66M
TTM Net Income: $38.80M
Q. Net Income: $12.25M
EPS: $0.95
Shares Out.: $12.87M

$188.00M in TTM revenue grew 28.0% YoY, reaching $51.07M last quarter. TTM EBITDA of $67.92M and TTM operating income of $64.66M show growth is flowing through to the bottom line. TTM net income of $38.80M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 90.8%
EBITDA Margin: 41.3%
Op. Margin: 40.5%
Net Margin: 24.0%

Op. margin of 40.5% is up 25.2% YoY — cost efficiency is improving. Net margin at 24.0% and gross margin of 90.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.1x
P/S Ratio: 2.1x
P/B Ratio: 1.1x

At 10.1x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.55B
Cash: $312.60M
Long-Term Debt: $34.07M
Book Value: $344.54M
D/E Ratio: 0.1
Debt/EBITDA: 1.6

With $3.55B in assets and $34.07M in long-term debt, D/E is 0.1and book value is $344.54M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.18M
TTM Free Cash Flow: $-37.59M
FCF Margin: -20.0%
FCF / Net Income: -1.0

TTM FCF of $-37.59M on $5.18M in operating cash flow. The FCF / Net Income ratio of -1.0x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has fallen for 5 consecutive quarters — a weakening trend.