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Financials · MVBF

MVB Financial Corp. (MVBF) financials

For the twelve months ended Sep 30, 2026, MVB Financial Corp. reported $173.65M of revenue and $22.10M of net income.

Revenue, TTM
$173.65M
Revenue growth, YoY
+1.2%
Net income, TTM
$22.10M
Net income growth, YoY
-31.2%
Net margin
12.7%
Free cash flow, TTM
-$35.42M
EPS, diluted, TTM
$1.67
EPS growth, YoY
-32.1%
Cash
$209.96M
P/E
15.17
P/S
1.93
Market cap
$335.2M
Annual revenue$167.67M
FY2016FY2025
Annual net income$26.94M
FY2016FY2025
Annual free cash flow$2.11M
FY2016FY2025

MVBF revenue and earnings growth

MVBF revenueQ3 2026$40.43M

Quarter YoY
-33.9%
QoQ
-20.8%
FY YoY
+10.2%
5Y CAGR
+0.9%
10Y CAGR
+9.2%

MVBF revenue was $40.43M in fiscal Q3 2026 (ended Sep 30, 2026), down 33.9% from a year earlier and down 20.8% from the prior quarter. For the full fiscal 2025 it was $167.67M, up 10.2% from fiscal 2024. Compound annual growth was +0.9% over 5 years and +9.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

MVBF net incomeQ3 2026$438.0K

Quarter YoY
-97.4%
QoQ
-96.4%
FY YoY
+34.1%
5Y CAGR
-6.4%
10Y CAGR
+14.7%

MVBF net income was $438.0K in fiscal Q3 2026 (ended Sep 30, 2026), down 97.4% from a year earlier and down 96.4% from the prior quarter. For the full fiscal 2025 it was $26.94M, up 34.1% from fiscal 2024. Compound annual growth was -6.4% over 5 years and +14.7% over 10 years. It rose in 7 of the last 10 fiscal years.

MVBF EPSQ3 2026$0.03

Quarter YoY
-97.7%
QoQ
-96.8%
FY YoY
+34.6%
5Y CAGR
-7.6%
10Y CAGR
+10.3%

MVBF diluted EPS was $0.03 in fiscal Q3 2026 (ended Sep 30, 2026), down 97.7% from a year earlier and down 96.8% from the prior quarter. For the full fiscal 2025 it was $2.06, up 34.6% from fiscal 2024. Compound annual growth was -7.6% over 5 years and +10.3% over 10 years.

MVBF free cash flowQ3 2026-$1.35M

5Y CAGR
-54.3%

MVBF free cash flow was -$1.35M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$3.52M a year earlier. For the full fiscal 2025 it was $2.11M, compared with -$1.91M in fiscal 2024. Compound annual growth was -54.3% over 5 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$167.67M$152.11M$143.00M$139.37M$133.01M$160.66M$124.00M$90.69M$85.00M$86.20M
Interest expense--$66.53M$14.15M$6.27M$11.63M$22.96M$17.71M$12.30M$11.13M
Pre-tax income$36.85M$26.34M$27.29M$15.03M$47.48M$46.94M$35.01M$15.38M$12.33M$13.36M
Income tax$9.93M$6.10M$5.07M$3.29M$9.64M$9.53M$8.45M$3.37M$4.75M$4.38M
Net income$26.94M$20.09M$31.23M$15.05M$39.12M$37.41M$26.99M$12.00M$7.58M$12.91M
EPS, basic$2.11$1.56$2.46$1.23$3.32$3.13$2.26$1.04$0.69$1.44
EPS, diluted$2.06$1.53$2.40$1.17$3.10$3.06$2.20$1.00$0.68$1.31
Diluted shares13.1M13.1M13.0M12.9M12.6M12.1M12.0M12.7M10.4M10.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$244.13M$317.91M$398.23M$40.28M$307.44M$263.89M$28.00M$22.22M$20.30M$17.34M
Goodwill$1.20M$2.84M$2.84M$2.84M$3.99M$2.35M$19.63M$18.48M$18.48M$18.48M
Total assets$3.31B$3.13B$3.31B$3.07B$2.79B$2.33B$1.94B$1.75B$1.53B$1.42B
Total debt------$227.01M$232.41M$185.69M$124.44M
Total liabilities$2.97B$2.82B$3.02B$2.81B$2.52B$2.09B$1.73B$1.57B$1.38B$1.27B
Shareholders' equity$333.97M$305.79M$289.34M$261.39M$275.30M$239.48M$211.94M$176.77M$150.19M$145.63M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$4.03M-$285.0K$58.23M$7.35M$34.81M$112.23M-$8.06M$6.69M$33.12M$25.26M
Capital expenditures$1.92M$1.62M$1.92M$3.04M$4.87M$6.62M$2.04M$2.69M$4.50M$1.67M
Free cash flow$2.11M-$1.91M$56.32M$4.31M$29.95M$105.62M-$10.10M$4.00M$28.63M$23.60M
Investing cash flow-$208.60M$144.46M$88.25M-$571.13M-$571.95M-$294.11M-$120.06M-$209.98M-$136.10M-$55.98M
Financing cash flow$130.78M-$224.49M$211.47M$296.62M$580.68M$417.77M$133.90M$205.20M$105.94M$18.93M
Dividends paid$8.71M$8.77M$8.64M$8.36M$6.04M$4.28M$2.29M$1.22M$1.03M$646.0K
Share repurchases$10.16M$0$0$0$0$15.75M$0$0--
Stock-based compensation$3.80M$2.91M$2.66M$2.80M$2.63M$2.35M$1.76M$1.27M$813.0K$568.0K
Depreciation and amortization$2.60M$3.93M$5.00M$5.32M$4.20M$3.29M$3.26M$2.94M$2.69M$3.41M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.2%6.4%2.6%4.8%-17.2%29.6%36.7%6.7%-1.4%23.4%
Net income growth, YoY34.1%-35.7%107.6%-61.5%4.6%38.6%124.9%58.5%-41.3%89.4%
EPS growth, YoY34.6%-36.2%105.1%-62.3%1.3%39.1%120.0%47.1%-48.1%70.1%
Net margin16.1%13.2%21.8%10.8%29.4%23.3%21.8%13.2%8.9%15.0%
Free cash flow margin1.3%-1.3%39.4%3.1%22.5%65.7%-8.1%4.4%33.7%27.4%
Return on equity8.1%6.6%10.8%5.8%14.2%15.6%12.7%6.8%5.0%8.9%
Return on assets0.8%0.6%0.9%0.5%1.4%1.6%1.4%0.7%0.5%0.9%
Debt to equity------1.071.311.240.85

Source: XBRL data MVB Financial Corp. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported Mar 28, 2014.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

MVBF peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
MVBF$173.65M+1.2%$22.10M12.7%$335.2M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

MVBF FAQ

8 questions
  • What is MVBF revenue?
    MVB Financial Corp. (MVBF) reported $173.65M of revenue for the twelve months ended Sep 30, 2026. That is up 1.2% from the year before. Revenue for fiscal 2025 was $167.67M.
  • Is MVBF profitable?
    Yes. MVB Financial Corp. earned $22.10M in net income for the twelve months ended Sep 30, 2026, a net margin of 12.7%.
  • How much cash and debt does MVBF have?
    MVB Financial Corp. reported $209.96M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is MVBF revenue growing?
    MVB Financial Corp.'s revenue changed +10.2% in fiscal 2025, to $167.67M. Its compound annual growth rate was +0.9% over 5 years and +9.2% over 10 years.
  • What is MVBF free cash flow?
    MVB Financial Corp. generated -$35.42M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of -$34.30M less capital expenditures.
  • What is MVBF earnings per share?
    Diluted earnings per share were $1.67 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did MVBF last report financial results?
    The latest statements here come from MVB Financial Corp.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this MVBF financial data come from?
    Quantisnow builds these statements from the structured XBRL data MVB Financial Corp. files with the SEC. It is provided for information only and is not investment advice.