# MVB Financial Corp. (MVBF)

> Source: Nexqual · https://nexqual.com/MVBF · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, MVB Financial Corp. (MVBF), nexqual.com/MVBF" · informational, not investment advice.

**Price:** USD 29.74 (+0.34% on the day) · last close of Oct 29, 2026; US market after hours, not a live price. Prev close 29.64 · day 29.45–30.4 · 52w 23.99–31.99 · market cap $386M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $188M, net income $38.8M (20.6% margin) (SEC filings).
- Valuation: P/E 9.9x (avg 11.8x at the last 3 fiscal year-ends).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (3 analysts), mean target USD 34 (range 34–34).
- Total return with dividends: 1Y +15.9% vs S&P 500 +14.4%; 5Y -20.0% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29, EPS estimate USD 0.41, revenue estimate $39.4M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $133M | $139M | $143M | $152M | $168M | $188M |
| Net income | $39.1M | $15.0M | $31.2M | $20.2M | $26.9M | $38.8M |
| EPS (diluted) | $3.10 | $1.17 | $2.40 | $1.53 | $2.06 | — |
| Free cash flow | $29.9M | $4.3M | $56.3M | -$1.9M | $2.1M | -$37.6M |
| Net margin | 29.4% | 10.8% | 21.8% | 13.3% | 16.1% | 20.6% |
| Revenue growth | -17.2% | +4.8% | +2.6% | +6.4% | +10.2% | — |
| Cash + short-term investments | $307M | $40.3M | $398M | $318M | $244M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 9.9x · P/S 2.0x · P/B 1.1x · FCF yield -9.75% · Earnings yield 10.06% · Dividend yield (paid, TTM) 2.24%
P/E at fiscal year-ends: Dec 2025 12.6x, Dec 2024 13.4x, Dec 2023 9.4x.

## Analysts
Consensus Buy (mean 2.00 on a 1–5 scale), 3 analysts; mean target USD 34 (low 34, high 34).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-06 | Keefe, Bruyette & Woods | Target raised | Outperform | $32 → $34 |
| 2026-07-29 | TD Cowen | Target raised | Buy | $32 → $34 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +15.9% | -20.0% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | +16.0% | -4.3% |
| Volatility (annualized) | 25.6% | 31.2% |
| Max drawdown | -16.5% (Feb 2026→Mar 2026) | -59.9% (Mar 2022→May 2023) |

## Peers (Banks - Regional)
FITB (Fifth Third Bancorp) USD 54.44 +1.81% · NU (Nu Holdings Ltd.) USD 12.05 +0.67% · TFC (Truist Financial Corporation) USD 49.31 +1.83% · DB (Deutsche Bank AG) USD 34.88 +4.09% · NWG (NatWest Group plc) USD 17 -1.36% · LYG (Lloyds Banking Group Plc) USD 5.26 -4.45%

## More
Full page: https://nexqual.com/MVBF · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.41 | $0.44 | -6.8% | $39.4M | 3 |
| Next quarter (ends 2026-12-31) | $0.49 | $0.48 | +3.8% | $41.1M | 2 |
| Current fiscal year (ends 2026-12-31) | $1.59 | $1.62 | -2.3% | $157.6M | 3 |
| Next fiscal year (ends 2027-12-31) | $2.56 | $2.47 | +3.5% | $176.5M | 3 |

## Earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $0.93 | $0.34 | Beat +173.5% | — |
| — | Quarter ended Mar 31, 2026 | $0.39 | $0.37 | Beat +5.4% | — |
| — | Quarter ended Dec 31, 2025 | $0.31 | $0.32 | Miss −3.1% | — |
| — | Quarter ended Sep 30, 2025 | $1.32 | $0.28 | Beat +371.4% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

## Recent SEC filings (last 120 days)
| Filed | Form | What it says | Filing |
|---|---|---|---|
| 2026-10-29 | 8-K | Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000091/0001277902-26-000091-index.htm |
| 2026-10-29 | 8-K | Quarterly results | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000090/0001277902-26-000090-index.htm |
| 2026-08-19 | 8-K | Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000087/0001277902-26-000087-index.htm |
| 2026-08-05 | 10-Q | Quarterly report · period ended Jun 30, 2026 | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000084/0001277902-26-000084-index.htm |
| 2026-07-28 | 8-K | Regulation FD disclosure | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000079/0001277902-26-000079-index.htm |
| 2026-07-28 | 8-K | Quarterly results | https://www.sec.gov/Archives/edgar/data/1277902/000127790226000078/0001277902-26-000078-index.htm |
Source: SEC EDGAR. Quotes are the opening words of each item as filed.