MVBF · Mvb Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $2.60M | $3.93M | $5.00M | $5.32M | $4.20M | $3.29M |
| Operating Income | $36.85M | $26.34M | $27.29M | $18.52M | $48.58M | $46.94M |
| Interest Expense | - | - | $66.53M | $14.15M | $6.27M | $11.63M |
| Income Tax | $9.93M | $6.10M | $5.07M | $4.13M | $9.88M | $9.53M |
| Net Income | $26.9K | $20.2K | $31.23M | $15.05M | $39.12M | $37.41M |
| EPS - Basic | $2.11 | $1.56 | $2.46 | $1.23 | $3.32 | $3.13 |
| EPS - Diluted | $2.06 | $1.53 | $2.40 | $1.17 | $3.10 | $3.06 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $244.13M | $317.91M | $398.23M | $40.28M | $307.44M | $263.89M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.31B | $3.13B | $3.31B | $3.07B | $2.79B | $2.33B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.97B | $2.82B | $3.02B | $2.81B | $2.52B | $2.09B |
| Stockholders' Equity | $333.97M | $305.68M | $289.38M | $261.08M | $274.33M | $239.48M |
| Retained Earnings | $190.41M | $172.18M | $160.86M | $144.91M | $138.22M | $105.17M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.03M | ($285.0K) | $58.23M | $65.18M | $34.81M | $112.23M |
| Investing Cash Flow | ($208.60M) | $144.46M | $88.25M | ($628.95M) | ($571.95M) | ($294.11M) |
| Financing Cash Flow | $130.78M | ($224.49M) | $211.47M | $296.62M | $580.68M | $417.77M |
| CapEx | $1.92M | $1.62M | $1.92M | $3.04M | $4.87M | $6.62M |
| Free Cash Flow | $2.11M | ($1.91M) | $56.32M | $62.14M | $29.95M | $105.62M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 78.49 | -94.10 | 1.80 | 4.13 | 0.77 | 2.82 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 99.7% | 99.7% | 14.0% | 21.5% | 20.2% | 20.3% |
| Return on assets | 0.0% | 0.0% | 0.9% | 0.5% | 1.4% | 1.6% |
| Return on equity | 0.0% | 0.0% | 10.8% | 5.8% | 14.3% | 15.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.4x | 1.3x | 7.7x | 4.0x |
| Equity multiplier | 9.91 | 10.24 | 11.45 | 11.75 | 10.18 | 9.74 |
| Liabilities / Assets | 0.90 | 0.90 | 0.91 | 0.91 | 0.90 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.5x | 13.5x | 9.4x | 18.8x | 13.4x | 7.4x |
| P / B | 1.0x | 0.9x | 1.0x | 1.1x | 1.9x | 1.1x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 2.4x | -1.5x | -3.3x | 10.2x | 4.1x | 0.2x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 39.9% | -3.5% | 47.4% | -61.9% | 3.5% | 34.1% |
| Net income growth (YoY) | 33.0% | -99.9% | 107.6% | -61.5% | 4.6% | 38.6% |
| EPS growth (YoY) | 34.6% | -36.3% | 105.1% | -62.3% | 1.3% | 39.1% |
| EPS CAGR (3y) | 20.8% | -21.0% | -7.8% | -19.0% | 45.8% | 65.1% |
| EPS CAGR (5y) | -7.6% | -7.0% | 19.1% | 11.5% | 18.8% | 32.1% |
| FCF growth (YoY) | - | - | -9.4% | 107.5% | -71.6% | 239.8% |
| FCF CAGR (5y) | -54.3% | - | 69.7% | 16.8% | 4.9% | - |
| Book value growth (YoY) | 9.3% | 5.6% | 10.8% | -4.8% | 14.6% | 13.0% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing MVB FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$0.68/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.1700 |
| Feb 27, 2026 | $0.1700 |
| Dec 1, 2025 | $0.1700 |
| Aug 29, 2025 | $0.1700 |
| May 30, 2025 | $0.1700 |
| Feb 28, 2025 | $0.1700 |
| Nov 29, 2024 | $0.1700 |
| Aug 30, 2024 | $0.1700 |
| May 31, 2024 | $0.1700 |
| Feb 29, 2024 | $0.1700 |
| Nov 30, 2023 | $0.1700 |
| Aug 31, 2023 | $0.1700 |
| May 31, 2023 | $0.1700 |
| Feb 28, 2023 | $0.1700 |
| Nov 30, 2022 | $0.1700 |
| Aug 31, 2022 | $0.1700 |
| May 31, 2022 | $0.1700 |
| Feb 28, 2022 | $0.1700 |
| Nov 30, 2021 | $0.1500 |
| Aug 31, 2021 | $0.1400 |
| May 28, 2021 | $0.1200 |
| Feb 26, 2021 | $0.1000 |
| Nov 30, 2020 | $0.0900 |
| Aug 31, 2020 | $0.0900 |