MVB Financial (MVBF) AI Stock Analysis

• Market Cap: $229.22M
• Dividend Yield: 3.81%
• Average Volume (3M): 27.15K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.99
• Revenue Growth: -8.32%
• EPS Growth: -22.46%
• Country: US
• Employees: 453
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 0.27
• Shares Outstanding: 12,950,295
• 10 Day Avg. Volume: 28,666
• 30 Day Avg. Volume: 27,151
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.22
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 0.34
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $21.50
• Price Target Upside: 21.47% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

The overall stock score of 52 reflects MVB Financial's current financial struggles, especially in revenue and profitability, which pose significant challenges. However, the company's strong liquidity position and no debt are positive factors. Technical indicators suggest bearish momentum, while valuation metrics show potential undervaluation. Positive corporate events, including insider confidence and consistent dividends, contribute to a more optimistic long-term outlook, although immediate financial concerns remain.

MVB Financial Business Overview & Revenue Model

Company Description

MVB Financial Corp. (MVBF) is a financial holding company headquartered in Fairmont, West Virginia. It operates through its principal subsidiary, MVB Bank, Inc., which provides community banking services to individuals and businesses. The bank's offerings include traditional banking services such as checking and savings accounts, commercial and residential loans, as well as wealth management and insurance products. MVB Financial is also involved in the fintech sector, providing technology-driven solutions through its various fintech partnerships and subsidiaries.

How the Company Makes Money

MVB Financial makes money primarily through interest income generated from its loan portfolio, which includes commercial, residential, and consumer loans. The company also earns non-interest income from service charges on deposit accounts, wealth management fees, and insurance product sales. Additionally, MVB has diversified its revenue streams by investing in fintech initiatives, which contribute through partnerships and technology services. These fintech ventures allow MVB to leverage digital banking solutions and enhance its product offerings, thus creating new revenue opportunities. Significant partnerships with fintech companies help MVB Financial to expand its market reach and improve operational efficiencies, further supporting its earnings growth.

MVB Financial Financial Statement Overview

Summary

MVB Financial is experiencing severe financial challenges with a drastic decline in revenue and profitability. However, the balance sheet shows strong liquidity and no debt, and cash flows are still positive though reduced. These mixed factors yield a low score.

Income Statement

The income statement shows a troubling trend with a significant decrease in total revenue from $146.5 million in 2023 to $0 in 2024. Net income also turned negative, dropping to -$154,000 in 2024 from $31.2 million in 2023, indicating a severe decline in profitability. These factors contribute to a low score due to the lack of revenue and profitability.

Balance Sheet

The balance sheet highlights a strong liquidity position with cash and short-term investments at $419.5 million in 2024. The company has no debt, leading to a favorable debt-to-equity ratio. However, the decline in stockholders' equity from the previous year due to the net loss poses a risk. Overall, the balance sheet is stable but impacted by recent operational losses.

Cash Flow

Cash flow analysis indicates a reduction in operating cash flow from $29.3 million in 2023 to $20.1 million in 2024. Despite this, the company maintained a positive free cash flow due to negligible capital expenditures. The operating cash flow to net income ratio shows resilience in cash generation despite the negative net income. Cash flow stability is moderate but challenged by declining cash from operations.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
150.69M	146.48M	150.10M	139.75M	160.66M
	Gross Profit
150.69M	144.81M	150.10M	139.75M	160.66M
	EBIT
20.25M	42.13M	28.01M	49.00M	46.94M
	EBITDA
0.00	0.00	20.35M	52.78M	50.23M
	Net Income Common Stockholders
-154.00K	31.23M	15.05M	39.12M	37.41M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
419.52M	398.23M	420.09M	731.62M	686.32M
	Total Assets
3.13B	3.31B	3.06B	2.79B	2.33B
	Total Debt
73.79M	80.33M	185.38M	73.03M	43.41M
	Net Debt
-7.88M	-317.90M	145.10M	-237.13M	-232.29M
	Total Liabilities
2.82B	3.02B	2.79B	2.51B	2.09B
	Stockholders Equity
305.68M	289.38M	261.39M	275.30M	239.48M
Cash Flow		Free Cash Flow
20.06M	27.40M	62.14M	29.95M	105.62M
	Operating Cash Flow
20.06M	29.31M	65.18M	34.81M	112.23M
	Investing Cash Flow
-1.55M	117.07M	-628.95M	-571.95M	-294.11M
	Financing Cash Flow
-14.57M	211.57M	296.62M	580.68M	417.77M

MVB Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 17.70
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MVBF, the sentiment is Neutral. The current price of 17.7 is above the 20-day moving average (MA) of 16.65, above the 50-day MA of 17.16, and below the 200-day MA of 19.42, indicating a neutral trend. The MACD of 0.15 indicates Negative momentum. The RSI at 61.00 is Neutral, neither overbought nor oversold. The STOCH value of 86.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MVBF.

MVB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	72 Outperform	$207.22M	9.91	9.67%	2.78%	10.36%	10.16%
PKBK	72 Outperform	$229.39M	8.01	9.81%	3.73%	9.76%	24.43%
Sector *	64 Neutral	$12.51B	9.81	7.92%	16985.69%	12.67%	-5.98%
CHMG	63 Neutral	$219.28M	9.75	10.65%	2.71%	6.05%	-9.27%
INBK	61 Neutral	$190.21M	9.38	5.58%	1.06%	22.97%	27.73%
NWFL	55 Neutral	$236.34M	283.33	0.59%	4.74%	-3.66%	-95.22%
MVBF	52 Neutral	$229.22M	12.26	6.38%	3.81%	-8.32%	-22.46%

MVB Financial Corporate Events

MVB Financial Reports Strong Q4 2024 Financial Highlights

MVB Financial Corp. has reported a series of financial highlights for Q4 2024, including a pre-tax gain of $11.8 million from a sale-leaseback transaction and an increase in book value per share. The company maintains a strong liquidity position with significant cash on the balance sheet and available borrowing capacity. Recent insider stock purchases by MVB’s leadership indicate confidence in the company’s future performance.

MVB Financial Announces Quarterly Cash Dividend for Q1 2025

On February 19, 2025, MVB Financial Corp. announced that its Board of Directors approved a quarterly cash dividend of $0.17 per share for shareholders of record on March 1, 2025, payable on March 15, 2025. This dividend maintains the previous quarter’s rate and marks the first for 2025. The announcement reflects MVB’s ongoing strategic focus on payments and growth, with the company highlighting a strong pipeline for loans amid broader economic optimism, positioning itself for long-term value creation for its clients and stakeholders.