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MVB Financial
(NASDAQ:MVBF)
Select Model
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Rating:73Outperform
Price Target:
$34.00
▲(16.84% Upside)
Action:Upgraded
Date:08/06/26
The score is driven by strong technical trend and attractive valuation, supported by improving profitability and conservative leverage. The main offset is financial quality risk from negative TTM operating/free cash flow and evidence of volatility/one-off items in the underlying earnings mix.
Positive Factors
Fintech platform scale
Rapid fintech revenue growth and $48B processed volume indicate a scalable payments and banking-as-a-service franchise. Scale in processing can create durable fee streams, network effects and cross-sell opportunities that diversify earnings away from pure net interest income over the medium term.
Negative Factors
Weak cash generation
Sustained negative operating and free cash flow undermines the company's ability to self-fund growth, dividends and fintech investments. Over 2-6 months this raises dependency on deposit inflows or external funding and increases vulnerability to funding-cost shocks or tighter liquidity markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Fintech platform scale
Rapid fintech revenue growth and $48B processed volume indicate a scalable payments and banking-as-a-service franchise. Scale in processing can create durable fee streams, network effects and cross-sell opportunities that diversify earnings away from pure net interest income over the medium term.
Read all positive factors
MVB Financial Key Performance Indicators (KPIs)
Any
Operating Income by Segment
Measures the profit generated by each business unit after operating costs, highlighting which segments drive earnings and which may be underperforming. Tracking this helps you see where MVB is most efficient, where management is investing, and which areas pose execution or cost-control risks that could affect future profitability.
Measures the profit generated by each business unit after operating costs, highlighting which segments drive earnings and which may be underperforming. Tracking this helps you see where MVB is most efficient, where management is investing, and which areas pose execution or cost-control risks that could affect future profitability.
Data provided by:
The Fly
The FlyMVB Financial (MVBF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$398.23M
Dividend Yield2.22%
Average Volume (3M)36.52K
Price to Earnings (P/E)10.1
Beta (1Y)0.83
Revenue Growth-1.28%
EPS Growth130.72%
CountryUS
Employees403
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.05
Shares Outstanding12,967,507
10 Day Avg. Volume45,209
30 Day Avg. Volume36,520
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.99
Price to Sales (P/S)1.22
P/FCF Ratio156.17
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$34.00Price Target Upside16.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.03
Revenue Forecast (FY)$155.55M
MVB Financial Business Overview & Revenue Model
Company Description
MVB Financial Corp. operates as a financial holding company, delivering a comprehensive suite of financial services to both individual consumers and corporate clients. The company serves customers across the Mid-Atlantic region and extends its rea...
How the Company Makes Money
MVB Financial primarily makes money through banking revenue streams generated by its bank subsidiary. The largest driver for most banks is net interest income: the bank earns interest and fees on loans (e.g., commercial real estate, commercial and...
MVB Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
43
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 219.06M | 270.44M | 227.33M | 213.02M | 152.36M | 111.07M |
| Gross Profit | 138.57M | 193.79M | 147.15M | 148.40M | 124.01M | 111.08M |
| EBITDA | 53.44M | 39.45M | 30.27M | 32.30M | 20.35M | 51.68M |
| Net Income | 38.80M | 26.94M | 20.09M | 31.23M | 15.05M | 39.12M |
Balance Sheet | ||||||
| Total Assets | 3.55B | 3.31B | 3.13B | 3.31B | 3.06B | 2.79B |
| Cash, Cash Equivalents and Short-Term Investments | 312.60M | 249.86M | 729.55M | 743.50M | 420.09M | 731.62M |
| Total Debt | 57.78M | 77.36M | 76.55M | 85.15M | 195.42M | 84.42M |
| Total Liabilities | 3.20B | 2.97B | 2.82B | 3.02B | 2.79B | 2.51B |
| Stockholders Equity | 344.54M | 333.97M | 305.68M | 289.38M | 261.39M | 275.30M |
Cash Flow | ||||||
| Free Cash Flow | -37.59M | 2.11M | -1.91M | 56.32M | 4.31M | 29.95M |
| Operating Cash Flow | -35.66M | 4.03M | -285.00K | 58.23M | 7.35M | 34.81M |
| Investing Cash Flow | -328.44M | -208.60M | 144.46M | 88.25M | -571.13M | -571.95M |
| Financing Cash Flow | 277.32M | 130.78M | -224.49M | 211.57M | 296.62M | 580.68M |
MVB Financial Technical Analysis
Positive
29.10
Price Trends
29.14
Positive
27.45
Positive
26.97
Positive
Market Momentum
0.46
Positive
60.82
Neutral
59.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MVBF, the sentiment is Positive. The current price of 29.1 is below the 20-day moving average (MA) of 30.10, below the 50-day MA of 29.14, and above the 200-day MA of 26.97, indicating a bullish trend. The MACD of 0.46 indicates Positive momentum. The RSI at 60.82 is Neutral, neither overbought nor oversold. The STOCH value of 59.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MVBF.
MVB Financial Risk Analysis
MVB Financial disclosed 36 risk factors in its most recent earnings report. MVB Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MVB Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $397.01M | 9.56 | 12.05% | 2.68% | 3.23% | 29.90% | |
76 Outperform | $376.01M | 10.89 | 10.98% | 3.89% | 42.39% | 1119.11% | |
73 Outperform | $398.23M | 10.06 | 11.57% | 2.34% | -1.28% | 130.72% | |
71 Outperform | $372.10M | 8.31 | 12.00% | 3.94% | -4.60% | -6.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $382.19M | 12.27 | 8.63% | 3.19% | 4.60% | 52.13% | |
56 Neutral | $394.57M | 35.28 | 2.81% | ― | ― | ― |
* Financial Sector Average
MVBF
MVB Financial
30.69
8.36
37.42%
NECB
Northeast Community Bancorp
26.77
5.88
28.12%
NWFL
Norwood Financial
34.09
10.18
42.59%
WSBF
Waterstone Financial
21.10
7.42
54.26%
CZFS
Citizens Financial Services
81.89
27.36
50.16%
FCBM
First Carolina Financial Services
12.70
0.10
0.79%
MVB Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
MVB Financial Highlights Strong Q2 2026 Fintech Growth
Positive
Jul 28, 2026
MVB Financial Corp., a Nasdaq-listed bank, has evolved from a traditional community bank into a tech-forward fintech banking platform with $3.5 billion in assets and a 10.5% organic asset CAGR through the second quarter of 2026. Its model combines...
Business Operations and StrategyDividendsFinancial DisclosuresShareholder Meetings
MVB Financial Maintains Dividend as Earnings Grow Strongly
Positive
May 20, 2026
MVB Financial Corp. reported that on May 19, 2026, it successfully held its 28th Annual Meeting of Shareholders via live webcast, with about 75% of outstanding voting shares represented, establishing a quorum. Shareholders elected four directors, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.