Mvb Financial Corp
MVBF Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$29.89
KIRA · Stoqly’s AI analyst, in plain words
- Mvb Financial Corp had $168M of revenue in fiscal 2025, up 10.2% on the year before. Over five years, revenue changed +0.9% a year on average.
- Mvb Financial Corp made $26.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.2% a year.
- Mvb Financial Corp returned $18.9M to shareholders in fiscal 2025, 893% of free cash flow. The diluted share count fell 0.2%.
- It earned 8.4% on shareholders’ money. Running costs took 72.8% of revenue (the efficiency ratio; lower is better).
Market cap
$394M
P/E
10.1x
Revenue
$168M
Net income
$26.9M
Return on equity
8.4%
Efficiency ratio
72.8%
Mvb Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+10.2%
Yes. Sales grew 10.2% last year.
Does it make a profit?
16.1%
Yes. It keeps 16.1% of every sale as profit.
How lean are its costs?
72.8%
Costly. Running costs take 72.8% of revenue.
How much does it earn on its capital?
8.4%
Fair. It earns 8.4% a year on shareholders’ money.
How is the share priced?
10.1x
One share costs 10.1 times its yearly profit per share.
What Mvb Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- MVB FINANCIAL CORP
- CIK
- 0001277902
Mvb Financial Corp · MVBF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $133M | $139M | $143M | $152M | $168M |
| Revenue growth | −17.2% | 4.8% | 2.6% | 6.4% | 10.2% |
| Net interest income | $77.2M | $112M | $123M | $109M | $107M |
| Net income | $39.1M | $15.0M | $31.2M | $20.2M | $26.9M |
| Net margin | 29.4% | 10.8% | 21.8% | 13.3% | 16.1% |
| Diluted EPS | $3.10 | $1.17 | $2.40 | $1.53 | $2.06 |
| Cash | |||||
| Cash from operations | $34.8M | $7.4M | $58.2M | −$0.3M | $4.0M |
| Capital expenditure | $4.9M | $3.0M | $1.9M | $1.6M | $1.9M |
| Free cash flow | $30.0M | $4.3M | $56.3M | −$1.9M | $2.1M |
| FCF margin | 22.5% | 3.1% | 39.4% | −1.3% | 1.3% |
| Dividends paid | $6.0M | $8.4M | $8.6M | $8.8M | $8.7M |
| Share buybacks | $0.0M | $0.0M | $0.0M | $0.0M | $10.2M |
| Share count change | 4.3% | 2.0% | 1.0% | 1.1% | −0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $307M | $40.3M | $398M | $318M | $244M |
| Loans, net | $1.9B | $2.3B | $2.3B | $2.1B | $2.3B |
| Shareholders' equity | $274M | $261M | $289M | $306M | $334M |
| Returns and quality | |||||
| Return on equity | 15.2% | 5.6% | 11.3% | 6.8% | 8.4% |
| Return on tangible equity | 14.6% | 5.9% | 10.9% | 6.6% | 8.1% |
| Efficiency ratio | 69.0% | 79.0% | 82.3% | 80.4% | 72.8% |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Mvb Financial Corp · MVBF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $29.89 a share, the company is worth $394M: 10.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001277902). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.