MVB Financial Corp. Logo

MVB Financial Corp.

MVBF

(3.0)
Stock Price

21,25 USD

0.62% ROA

6.29% ROE

11.83x PER

Market Cap.

241.495.040,00 USD

26.22% DER

3.64% Yield

9.25% NPM

MVB Financial Corp. Stock Analysis

MVB Financial Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

MVB Financial Corp. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.92x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (30%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

ROE in an average range (7.76%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.61%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (131) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

MVB Financial Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

MVB Financial Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

MVB Financial Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

MVB Financial Corp. Revenue
Year Revenue Growth
2003 821.000
2004 946.000 13.21%
2005 1.036.000 8.69%
2006 1.685.000 38.52%
2007 2.207.000 23.65%
2008 9.526.000 76.83%
2009 10.994.000 13.35%
2010 13.271.000 17.16%
2011 17.796.000 25.43%
2012 24.686.000 27.91%
2013 46.338.000 46.73%
2014 51.163.000 9.43%
2015 71.411.000 28.35%
2016 82.841.000 13.8%
2017 85.003.000 2.54%
2018 90.694.000 6.27%
2019 124.004.000 26.86%
2020 160.663.000 22.82%
2021 139.755.000 -14.96%
2022 150.097.000 6.89%
2023 145.624.000 -3.07%
2023 213.531.000 31.8%
2024 211.084.000 -1.16%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

MVB Financial Corp. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

MVB Financial Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 1.142.000
2004 1.360.000 16.03%
2005 2.485.000 45.27%
2006 2.897.000 14.22%
2007 3.485.000 16.87%
2008 4.022.000 13.35%
2009 4.685.000 14.15%
2010 5.319.000 11.92%
2011 9.041.000 41.17%
2012 10.380.000 12.9%
2013 29.239.000 64.5%
2014 34.689.000 15.71%
2015 47.801.000 27.43%
2016 54.209.000 11.82%
2017 54.230.000 0.04%
2018 55.381.000 2.08%
2019 56.175.000 1.41%
2020 61.629.000 8.85%
2021 60.210.000 -2.36%
2022 72.162.000 16.56%
2023 64.064.000 -12.64%
2023 67.807.000 5.52%
2024 68.136.000 0.48%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

MVB Financial Corp. EBITDA
Year EBITDA Growth
2003 3.013.000
2004 3.373.000 10.67%
2005 3.272.000 -3.09%
2006 5.984.000 45.32%
2007 8.437.000 29.07%
2008 7.497.000 -12.54%
2009 7.955.000 5.76%
2010 9.462.000 15.93%
2011 9.966.000 5.06%
2012 12.537.000 20.51%
2013 11.488.000 -9.13%
2014 11.311.000 -1.56%
2015 21.975.000 48.53%
2016 31.829.000 30.96%
2017 27.322.000 -16.5%
2018 36.020.000 24.15%
2019 38.711.000 6.95%
2020 50.321.000 23.07%
2021 53.296.000 5.58%
2022 33.329.000 -59.91%
2023 20.340.000 -63.86%
2023 9.008.000 -125.8%
2024 -240.000 3853.33%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

MVB Financial Corp. Gross Profit
Year Gross Profit Growth
2003 821.000
2004 946.000 13.21%
2005 1.036.000 8.69%
2006 1.685.000 38.52%
2007 2.207.000 23.65%
2008 9.526.000 76.83%
2009 10.994.000 13.35%
2010 13.271.000 17.16%
2011 17.796.000 25.43%
2012 24.686.000 27.91%
2013 46.338.000 46.73%
2014 51.163.000 9.43%
2015 71.411.000 28.35%
2016 82.841.000 13.8%
2017 81.796.000 -1.28%
2018 87.143.000 6.14%
2019 124.004.000 29.73%
2020 160.663.000 22.82%
2021 139.755.000 -14.96%
2022 150.097.000 6.89%
2023 145.624.000 -3.07%
2023 213.018.000 31.64%
2024 211.084.000 -0.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

MVB Financial Corp. Net Profit
Year Net Profit Growth
2003 781.000
2004 1.058.000 26.18%
2005 562.000 -88.26%
2006 973.000 42.24%
2007 1.282.000 24.1%
2008 828.000 -54.83%
2009 1.406.000 41.11%
2010 2.237.000 37.15%
2011 2.702.000 17.21%
2012 4.168.000 35.17%
2013 4.020.000 -3.68%
2014 2.079.000 -93.36%
2015 6.816.000 69.5%
2016 12.912.000 47.21%
2017 7.575.000 -70.46%
2018 12.003.000 36.89%
2019 26.991.000 55.53%
2020 37.411.000 27.85%
2021 39.121.000 4.37%
2022 15.047.000 -159.99%
2023 15.468.000 2.72%
2023 19.432.000 20.4%
2024 16.356.000 -18.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

MVB Financial Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 1 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 0 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 2 100%
2020 3 33.33%
2021 3 0%
2022 1 -200%
2023 1 0%
2023 2 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

MVB Financial Corp. Free Cashflow
Year Free Cashflow Growth
2003 1.048.000
2004 1.674.000 37.4%
2005 -2.118.000 179.04%
2006 -1.273.000 -66.38%
2007 469.000 371.43%
2008 -195.000 340.51%
2009 -331.000 41.09%
2010 4.736.000 106.99%
2011 -1.037.000 556.7%
2012 -14.500.000 92.85%
2013 -5.347.000 -171.18%
2014 15.071.000 135.48%
2015 -23.641.000 163.75%
2016 23.596.000 200.19%
2017 28.625.000 17.57%
2018 4.001.000 -615.45%
2019 -10.104.000 139.6%
2020 105.620.000 109.57%
2021 29.950.000 -252.65%
2022 62.139.000 51.8%
2023 0 0%
2023 27.397.000 100%
2024 26.629.000 -2.88%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

MVB Financial Corp. Operating Cashflow
Year Operating Cashflow Growth
2003 1.120.000
2004 1.739.000 35.6%
2005 407.000 -327.27%
2006 -96.000 523.96%
2007 2.584.000 103.72%
2008 62.000 -4067.74%
2009 -189.000 132.8%
2010 5.005.000 103.78%
2011 -368.000 1460.05%
2012 -10.641.000 96.54%
2013 1.154.000 1022.1%
2014 24.869.000 95.36%
2015 -21.488.000 215.73%
2016 25.264.000 185.05%
2017 33.121.000 23.72%
2018 6.694.000 -394.79%
2019 -8.062.000 183.03%
2020 112.235.000 107.18%
2021 34.815.000 -222.38%
2022 65.180.000 46.59%
2023 0 0%
2023 29.312.000 100%
2024 26.885.000 -9.03%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

MVB Financial Corp. Capital Expenditure
Year Capital Expenditure Growth
2003 72.000
2004 65.000 -10.77%
2005 2.525.000 97.43%
2006 1.177.000 -114.53%
2007 2.115.000 44.35%
2008 257.000 -722.96%
2009 142.000 -80.99%
2010 269.000 47.21%
2011 669.000 59.79%
2012 3.859.000 82.66%
2013 6.501.000 40.64%
2014 9.798.000 33.65%
2015 2.153.000 -355.09%
2016 1.668.000 -29.08%
2017 4.496.000 62.9%
2018 2.693.000 -66.95%
2019 2.042.000 -31.88%
2020 6.615.000 69.13%
2021 4.865.000 -35.97%
2022 3.041.000 -59.98%
2023 0 0%
2023 1.915.000 100%
2024 256.000 -648.05%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

MVB Financial Corp. Equity
Year Equity Growth
2003 7.828.000
2004 8.843.000 11.48%
2005 18.518.000 52.25%
2006 21.655.000 14.49%
2007 23.525.000 7.95%
2008 25.836.000 8.94%
2009 27.138.000 4.8%
2010 30.769.000 11.8%
2011 47.732.000 35.54%
2012 67.549.000 29.34%
2013 94.022.000 28.16%
2014 109.438.000 14.09%
2015 114.712.000 4.6%
2016 145.625.000 21.23%
2017 150.192.000 3.04%
2018 176.773.000 15.04%
2019 211.936.000 16.59%
2020 239.483.000 11.5%
2021 276.278.000 13.32%
2022 261.698.000 -5.57%
2023 271.322.000 3.55%
2023 289.342.000 6.23%
2024 296.663.000 2.47%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

MVB Financial Corp. Assets
Year Assets Growth
2003 94.931.000
2004 106.206.000 10.62%
2005 151.334.000 29.82%
2006 191.284.000 20.89%
2007 230.098.000 16.87%
2008 258.706.000 11.06%
2009 352.762.000 26.66%
2010 414.267.000 14.85%
2011 533.481.000 22.35%
2012 726.769.000 26.6%
2013 987.060.000 26.37%
2014 1.110.459.000 11.11%
2015 1.384.476.000 19.79%
2016 1.418.804.000 2.42%
2017 1.534.302.000 7.53%
2018 1.750.969.000 12.37%
2019 1.944.114.000 9.93%
2020 2.331.476.000 16.61%
2021 2.789.319.000 16.41%
2022 3.055.928.000 8.72%
2023 3.437.583.000 11.1%
2023 3.326.149.000 -3.35%
2024 3.288.004.000 -1.16%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

MVB Financial Corp. Liabilities
Year Liabilities Growth
2003 87.103.000
2004 97.363.000 10.54%
2005 132.816.000 26.69%
2006 169.629.000 21.7%
2007 206.573.000 17.88%
2008 232.870.000 11.29%
2009 325.624.000 28.49%
2010 383.498.000 15.09%
2011 485.749.000 21.05%
2012 659.220.000 26.31%
2013 893.038.000 26.18%
2014 1.001.021.000 10.79%
2015 1.269.764.000 21.16%
2016 1.273.179.000 0.27%
2017 1.384.110.000 8.01%
2018 1.574.196.000 12.08%
2019 1.732.178.000 9.12%
2020 2.091.993.000 17.2%
2021 2.513.041.000 16.75%
2022 2.794.230.000 10.06%
2023 81.951.000 -3309.64%
2023 3.036.807.000 97.3%
2024 2.991.341.000 -1.52%

MVB Financial Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.9
Net Income per Share
1.58
Price to Earning Ratio
11.83x
Price To Sales Ratio
1.18x
POCF Ratio
10.25
PFCF Ratio
11.18
Price to Book Ratio
0.81
EV to Sales
-0.61
EV Over EBITDA
-24.95
EV to Operating CashFlow
-5.31
EV to FreeCashFlow
-5.77
Earnings Yield
0.08
FreeCashFlow Yield
0.09
Market Cap
0,24 Bil.
Enterprise Value
-0,12 Bil.
Graham Number
28.6
Graham NetNet
-144.07

Income Statement Metrics

Net Income per Share
1.58
Income Quality
1.15
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.79
EBT Per Ebit
1.76
Ebit per Revenue
0.07
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1.01
Operating Profit Margin
0.07
Pretax Profit Margin
0.12
Net Profit Margin
0.09

Dividends

Dividend Yield
0.04
Dividend Yield %
3.64
Payout Ratio
0.43
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
1.82
Free CashFlow per Share
1.68
Capex to Operating CashFlow
0.08
Capex to Revenue
0.01
Capex to Depreciation
0.42
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
3893.95
Days Payables Outstanding
0
Days of Inventory on Hand
338371.66
Receivables Turnover
0.09
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.15

Balance Sheet

Cash per Share
63,40
Book Value per Share
23,03
Tangible Book Value per Share
23.03
Shareholders Equity per Share
23.02
Interest Debt per Share
9.06
Debt to Equity
0.26
Debt to Assets
0.02
Net Debt to EBITDA
-73.25
Current Ratio
0.25
Tangible Asset Value
0,30 Bil.
Net Current Asset Value
-2,52 Bil.
Invested Capital
-1384945000
Working Capital
-1,42 Bil.
Intangibles to Total Assets
0
Average Receivables
2,21 Bil.
Average Payables
0,00 Bil.
Average Inventory
-2762579000
Debt to Market Cap
0.32

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

MVB Financial Corp. Dividends
Year Dividends Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

MVB Financial Corp. Profile

About MVB Financial Corp.

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.

CEO
Mr. Larry F. Mazza CPA
Employee
445
Address
301 Virginia Avenue
Fairmont, 26554

MVB Financial Corp. Executives & BODs

MVB Financial Corp. Executives & BODs
# Name Age
1 Ms. Amy Baker
Vice President of Corporate Communications & Marketing
70
2 Mr. James Potasky
Senior Vice President of Audit
70
3 Mr. Donald T. Robinson CPA
Chief Financial Officer, President & Treasurer
70
4 Mr. Michael Louis Giorgio
Executive Vice President & Chief Information Officer
70
5 Mr. Larry F. Mazza CPA
Chief Executive Officer & Non-Independent Director
70
6 Patrick Runge
Senior Vice President & Chief Technology Officer
70
7 Ms. Lisa J. McCormick
Corporate Secretary/ Investor Relations
70
8 Ms. Kelly Kroskie
Chief Operations & Digital Officer
70
9 Mr. Eric L. Tichenor
Treasurer of MVB Bank Inc
70
10 Mr. Craig Bradley Greathouse
Executive Vice President & Chief Administration Officer
70

MVB Financial Corp. Competitors