MVB Financial(MVBF)
$25.49-0.12 (-0.47%)
MVBF
MVB Financial financials statements
$25.49
At close:-0.12 (-0.47%)
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MVB Financial (MVBF) Ratios
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MVB Financial Ratios
MVBF's free cash flow for Q3 2026 was $-1.35M. For the 2026 fiscal year, MVBF's free cash flow was decreased by $-146.00K and operating cash flow was $-1.20M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.09 | 0.27 | 0.26 | 0.19 | 0.33 |
| Quick Ratio | 0.09 | 0.27 | 0.26 | 0.19 | 0.33 |
| Cash Ratio | 0.09 | 0.12 | 0.14 | 0.02 | 0.13 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.00 | -0.00 | 0.02 | 0.00 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 1.21 | -0.10 | 12.08 | 0.73 | 3.06 |
| Net Current Asset Value | $ -2.73B | $ -2.09B | $ -2.28B | $ -2.28B | $ -1.72B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.03 | 0.06 | 0.03 |
| Debt-to-Equity Ratio | 0.23 | 0.25 | 0.29 | 0.75 | 0.31 |
| Debt-to-Capital Ratio | 0.19 | 0.20 | 0.23 | 0.43 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.18 | 0.19 | 0.22 | 0.41 | 0.21 |
| Financial Leverage Ratio | 9.91 | 10.24 | 11.45 | 11.69 | 10.13 |
| Debt Service Coverage Ratio | 0.41 | 0.30 | 0.38 | 0.71 | 2.38 |
| Interest Coverage Ratio | 0.54 | 0.34 | 0.41 | 1.06 | 7.57 |
| Debt to Market Cap | 0.23 | 0.29 | 0.30 | 0.74 | 0.17 |
| Interest Debt Per Share | 11.37 | 11.88 | 11.95 | 17.38 | 7.70 |
| Net Debt to EBITDA | -4.23 | -7.97 | -9.69 | 7.62 | -4.37 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.66% | 64.73% | 69.67% | 81.39% | 100.00% |
| EBIT Margin | 13.63% | 11.59% | 12.81% | 9.86% | 42.75% |
| EBITDA Margin | 14.59% | 13.32% | 15.16% | 13.36% | 46.53% |
| Operating Profit Margin | 13.63% | 11.59% | 12.81% | 9.86% | 42.75% |
| Pretax Profit Margin | 13.63% | 11.59% | 12.81% | 9.86% | 42.75% |
| Net Profit Margin | 9.96% | 8.84% | 14.66% | 9.88% | 35.22% |
| Continuous Operations Profit Margin | 9.95% | 8.91% | 10.43% | 7.70% | 34.07% |
| Net Income Per EBT | 73.11% | 76.26% | 114.43% | 100.13% | 82.40% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.81% | 0.64% | 0.94% | 0.49% | 1.40% |
| Return on Equity (ROE) | 8.07% | 6.57% | 10.79% | 5.76% | 14.21% |
| Return on Capital Employed (ROCE) | 7.95% | 6.09% | 6.70% | 3.46% | 13.75% |
| Return on Invested Capital (ROIC) | 5.77% | 4.65% | 5.39% | 2.57% | 10.52% |
| Return on Tangible Assets | 0.81% | 0.64% | 0.94% | 0.49% | 1.41% |
| Earnings Yield | 8.16% | 7.53% | 10.91% | 5.67% | 8.00% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 1.71 | 1.76 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.68 | -0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 26.06 | 5.77 | 10.18 | 6.44 | 4.43 |
| Asset Turnover | 0.08 | 0.07 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.12 | -0.11 | -0.10 | -0.08 | -0.08 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | -321.03 | 4024405.78 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 214.03 | 207.78 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 535.06 | -4024198.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 214.03 | 207.78 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.32 | -0.02 | 4.59 | 0.61 | 2.96 |
| Free Cash Flow Per Share | 0.17 | -0.15 | 4.44 | 0.36 | 2.54 |
| Dividend Paid and CapEx Coverage Ratio | 0.38 | -0.03 | 5.52 | 0.65 | 3.18 |
| Capital Expenditure Coverage Ratio | 2.10 | -0.18 | 30.41 | 2.42 | 7.16 |
| Operating Cash Flow Coverage Ratio | 0.05 | -0.00 | 0.68 | 0.04 | 0.41 |
| Operating Cash Flow to Sales Ratio | 0.01 | -0.00 | 0.27 | 0.05 | 0.31 |
| Free Cash Flow Yield | 0.64% | -0.71% | 19.67% | 1.62% | 6.12% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.24 | 13.27 | 9.17 | 17.64 | 12.50 |
| Price-to-Sales (P/S) Ratio | 1.22 | 1.17 | 1.34 | 1.74 | 4.40 |
| Price-to-Book (P/B) Ratio | 0.99 | 0.87 | 0.99 | 1.02 | 1.78 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 156.17 | -140.06 | 5.08 | 61.57 | 16.33 |
| Price-to-Operating Cash Flow Ratio | 81.92 | -936.22 | 4.92 | 36.11 | 14.05 |
| Price-to-Earnings Growth (PEG) Ratio | 0.35 | -0.36 | 0.09 | -0.28 | 2.06 |
| Enterprise Value Multiple | 4.14 | 0.84 | -0.83 | 20.67 | 5.10 |
| Enterprise Value | 163.22M | 25.46M | -26.71M | 420.64M | 263.30M |
| EV to EBITDA | 4.14 | 0.84 | -0.83 | 20.67 | 5.10 |
| EV to Sales | 0.60 | 0.11 | -0.13 | 2.76 | 2.37 |
| EV to Free Cash Flow | 77.25 | -13.36 | -0.47 | 97.55 | 8.79 |
| EV to Operating Cash Flow | 40.52 | -89.32 | -0.46 | 57.21 | 7.56 |
| Tangible Book Value Per Share | 26.14 | 23.62 | 22.54 | 21.33 | 22.92 |
| Shareholders’ Equity Per Share | 26.14 | 23.71 | 22.80 | 21.68 | 23.37 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.27 | 0.23 | 0.19 | 0.22 | 0.20 |
| Revenue Per Share | 21.17 | 17.64 | 16.78 | 12.64 | 9.43 |
| Net Income Per Share | 2.11 | 1.56 | 2.46 | 1.25 | 3.32 |
| Tax Burden | 0.73 | 0.76 | 1.14 | 1.00 | 0.82 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.32 | 0.32 | 0.43 | 0.50 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.02 | 0.03 |
| Income Quality | 0.15 | -0.01 | 1.88 | 0.51 | 0.90 |
Currency in USD
