What is MVB Financial Corp.'s earnings per share (EPS)?

MVB Financial Corp. (MVBF) reported diluted earnings per share of $2.06 for fiscal year 2025. This represents a 34.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

MVB Financial Corp. (MVBF) Financials

MVBF

Trailing 12 months to June 30, 2026

Revenue $194.4M +35.3% YoY

Net Income $38.8M +126.9% YoY

EPS (Diluted) $2.96 +127.7% YoY

Free Cash Flow -$37.6M -300.4% YoY

Market Cap $376.2M as of Oct 13, 2026

Price / Sales 1.9x on $194.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.7x on $38.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $344.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MVBF SEC filings page.

MVB Financial Corp. (MVBF) reported $194.4M in revenue over the twelve months to Jun 30, 2026, up 35.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MVBF FY2025 2026-10-04

MVB’s balance sheet is liability-funded, while reported earnings recover faster than cash generation.

In FY2024, net income of $20.2M coexisted with operating cash flow of -$285K, showing accounting earnings did not translate into cash that year. FY2025 restored operating cash flow to $4.0M alongside $26.9M of net income, but the gap still indicates cash generation is sensitive to balance-sheet timing rather than consistently following reported earnings.

FY2025 liabilities of $3.0B stood against $334.0M of equity, so the institution’s balance sheet is structurally funded by liabilities rather than equity. Debt-to-equity eased to 8.9x from 9.2x in FY2024, reflecting some improvement in capitalization even as liabilities remain much larger than equity.

Revenue reached $167.7M in FY2025 after $152.1M in FY2024, but the accompanying earnings improvement does not establish operating leverage because cash conversion remained thin. Free cash flow was only $2.1M in FY2025, following -$1.9M in FY2024; the business therefore retained little cash after investment.

Financial Health Signals

Financial Health Score 27/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of MVB Financial Corp.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

MVB Financial Corp. earned a return on assets of 0.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and MVB Financial Corp. scores 16/100 among other banks.

Growth

MVB Financial Corp. reported revenue of $167.7M in fiscal year 2025, against $152.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and MVB Financial Corp. scores 53/100 among other banks.

Capital

MVB Financial Corp. funded 10.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $334.0M of equity against $3.3B of assets. Capital ranks banks on that cushion, and MVB Financial Corp. scores 31/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. MVB Financial Corp. scores 19/100 on it among other banks.

Credit Quality

Not available for MVB Financial Corp., and counted as zero in the overall score.

Stability

MVB Financial Corp. reported net income of $27K in fiscal year 2025, against $20K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and MVB Financial Corp. scores 44/100 among other banks.

Piotroski F-Score Partial

6/6

MVB Financial Corp. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

N/A

MVB Financial Corp. reported $27K of net income while generating $4.0M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.

Key Financial Metrics

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Earnings & Revenue

Revenue

$51.1M

YoY+51.4%

QoQ+39.3%

5Y CAGR+9.3%

10Y CAGR+8.4%

MVB Financial Corp. generated $51.1M in revenue in Q2 2026. This represents an increase of 51.4% from the same quarter a year earlier. Against the prior quarter it is up 39.3%.

Net Income

$12.3M

YoY+511.9%

QoQ+136.3%

5Y CAGR+5.8%

10Y CAGR+6.5%

MVB Financial Corp. reported $12.3M in net income in Q2 2026. This represents an increase of 511.9% from the same quarter a year earlier. Against the prior quarter it is up 136.3%.

EPS (Diluted)

$0.93

YoY+520.0%

QoQ+138.5%

5Y CAGR+5.0%

10Y CAGR+4.0%

MVB Financial Corp. earned $0.93 per diluted share (EPS) in Q2 2026. This represents an increase of 520.0% from the same quarter a year earlier. Against the prior quarter it is up 138.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$4.9M

YoY-33.0%

QoQ+120.7%

MVB Financial Corp. generated $4.9M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 33.0% from the same quarter a year earlier. Against the prior quarter it is up 120.7%.

Cash & Debt

$312.6M

YoY-21.7%

QoQ+76.0%

5Y CAGR-1.2%

10Y CAGR+26.9%

MVB Financial Corp. held $312.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.17

YoY0.0%

QoQ0.0%

MVB Financial Corp. paid $0.17 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

13M

YoY+1.9%

QoQ+0.9%

5Y CAGR+1.9%

10Y CAGR+4.8%

MVB Financial Corp. had 13M shares outstanding in Q2 2026. This represents an increase of 1.9% from the same quarter a year earlier. Against the prior quarter it is up 0.9%.

Margins & Returns

Net Margin

24.0%

YoY+18.1pp

QoQ+9.8pp

5Y change-4.3pp

10Y change-4.6pp

MVB Financial Corp.'s net profit margin was 24.0% in Q2 2026, showing the share of revenue converted to profit. This is up 18.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.8 percentage points.

Return on Equity

3.6%

YoY+2.9pp

QoQ+2.0pp

5Y change-0.2pp

10Y change-1.7pp

MVB Financial Corp.'s ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.0 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$329K

YoY+72.3%

QoQ+135.0%

5Y CAGR-14.4%

10Y CAGR-6.2%

MVB Financial Corp. invested $329K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 72.3% from the same quarter a year earlier. Against the prior quarter it is up 135.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

MVBF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MVBF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$194.4M	$167.7M+10.2%	$152.1M+6.4%	$143.0M+2.6%	$139.4M+4.8%	$133.0M-17.2%	$160.7M+29.6%	$124.0M+36.7%	$90.7M+6.7%	$85.0M-1.4%	$86.2M+23.4%	$69.8M+37.8%	$50.7M+1.6%	$49.9M+99.0%	$25.1M+40.9%	$17.8M
SG&A Expenses	N/A	$71.0M+4.5%	$68.0M+7.2%	$63.4M+1.3%	$62.5M+18.1%	$53.0M-14.1%	$61.6M+9.7%	$56.2M+21.5%	$46.2M+4.8%	$44.1M-2.5%	$45.2M+25.4%	$36.1M+29.9%	$27.8M+2.6%	$27.1M+192.1%	$9.3M+37.9%	$6.7M
Interest Expense	$78.7M	$67.9M-11.4%	$76.6M+15.2%	$66.5M+370.1%	$14.2M+125.7%	$6.3M-46.1%	$11.6M-49.4%	$23.0M+29.7%	$17.7M+43.9%	$12.3M+10.5%	$11.1M+20.7%	$9.2M+22.8%	$7.5M+44.8%	$5.2M+5.2%	$4.9M+0.6%	$4.9M
Income Tax	N/A	$9.9M+62.8%	$6.1M+20.3%	$5.1M+53.9%	$3.3M-65.8%	$9.6M+1.1%	$9.5M+12.8%	$8.4M+150.5%	$3.4M-29.1%	$4.8M+8.6%	$4.4M+51.7%	$2.9M+1063.7%	$248K-74.8%	$983K-41.0%	$1.7M+64.6%	$1.0M
Net Income	$38.8M	$27K+33.0%	$20K-34.7%	$31K+115.5%	$14K-62.8%	$39K-99.9%	$37.4M+38.6%	$27.0M+124.9%	$12.0M+58.5%	$7.6M-41.3%	$12.9M+89.4%	$6.8M+227.8%	$2.1M-48.3%	$4.0M-3.6%	$4.2M+54.3%	$2.7M
EPS (Basic)	N/A	$2.11+35.3%	$1.56-36.6%	$2.46+100.0%	$1.23-63.0%	$3.32+6.1%	$3.13+38.5%	$2.26+117.3%	$1.04+50.7%	$0.69-52.1%	$1.44+84.6%	$0.78+254.5%	$0.22-62.7%	$0.59-35.9%	$0.92-25.8%	$1.24
EPS (Diluted)	$2.96	$2.06+34.6%	$1.53-36.3%	$2.40+105.1%	$1.17-62.3%	$3.10	$3.06+39.1%	$2.20+120.0%	$1.00+47.1%	$0.68-48.1%	$1.31+70.1%	$0.77+250.0%	$0.22-61.4%	$0.57	$0.90	$1.21
Diluted Shares (Avg)	N/A	13M-0.2%	13M+1.1%	13M+1.0%	13M+2.0%	13M	12M+0.4%	12M-5.3%	13M+21.9%	10M+3.7%	10M+23.7%	8M+0.5%	8M+16.8%	7M	5M	2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$51.1M+51.4%	$36.7M+8.8%	$45.5M+5.6%	$61.2M+84.1%	$33.7M-2.8%	$33.7M-11.3%	$43.1M-13.4%	$33.2M-6.8%
SG&A Expenses	$17.6M+11.6%	$16.2M-1.6%	N/A	$21.4M+28.0%	$15.8M-0.9%	$16.4M-0.5%	N/A	$16.7M+4.4%
Interest Expense	$16.3M-1.8%	$16.3M-1.4%	$28.4M+14.0%	$17.6M-11.9%	$16.6M-10.5%	$16.6M-16.8%	$24.9M-19.9%	$20.0M+8.6%
Income Tax	$3.7M+220.6%	$1.5M+21.2%	N/A	$6.3M+879.9%	$1.2M-15.6%	$1.2M-2.8%	N/A	$642K-47.3%
Net Income	$12.3M+511.9%	$5.2M+44.9%	$4.2M-55.2%	$17.1M+723.8%	$2.0M-51.0%	$3.6M-20.2%	$9.4M+19.3%	$2.1M-46.2%
EPS (Basic)	$0.95+493.7%	$0.41+46.4%	$0.33-54.8%	$1.36+750.0%	$0.16-50.0%	$0.28-20.0%	$0.73+17.7%	$0.16-46.7%
EPS (Diluted)	$0.93+520.0%	$0.39+44.4%	$0.32-55.6%	$1.32+725.0%	$0.15-51.6%	$0.27-20.6%	$0.72+18.0%	$0.16-44.8%
Diluted Shares (Avg)	13M+0.5%	13M+0.1%	N/A	13M-1.2%	13M+0.6%	13M+0.5%	N/A	13M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MVBF Balance Sheet

MVBF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.3B+5.8%	$3.1B-5.6%	$3.3B+8.0%	$3.1B+9.9%	$2.8B+19.8%	$2.3B+19.9%	$1.9B+11.0%	$1.8B+14.1%	$1.5B+8.1%	$1.4B+2.5%	$1.4B+24.7%	$1.1B+12.5%	$987.1M+35.8%	$726.8M+36.2%	$533.5M
Cash & Equivalents	$244.1M-23.2%	$317.9M-20.2%	$398.2M+888.7%	$40.3M-86.9%	$307.4M+16.5%	$263.9M+842.4%	$28.0M+26.0%	$22.2M+9.4%	$20.3M+17.1%	$17.3M-40.5%	$29.1M-3.1%	$30.1M-24.5%	$39.8M+57.2%	$25.3M+152.4%	$10.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M-57.7%	$2.8M0.0%	$2.8M0.0%	$2.8M-28.8%	$4.0M+69.7%	$2.4M-88.0%	$19.6M+6.2%	$18.5M0.0%	$18.5M0.0%	$18.5M0.0%	$18.5M+3.9%	$17.8M0.0%	$17.8M0.0%	$17.8M+1882.1%	$897K
Total Liabilities	$3.0B+5.4%	$2.8B-6.7%	$3.0B+7.7%	$2.8B+11.5%	$2.5B+20.3%	$2.1B+20.8%	$1.7B+10.0%	$1.6B+13.7%	$1.4B+8.7%	$1.3B+0.3%	$1.3B+26.8%	$1.0B+12.1%	$893.0M+35.5%	$659.2M+35.7%	$485.7M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$227.0M-2.3%	$232.4M+25.2%	$185.7M+49.2%	$124.4M-42.6%	$216.7M+60.8%	$134.8M+1936.7%	$6.6M+60.5%	$4.1M0.0%	$4.1M
Total Equity	$334.0M+9.3%	$305.7M+5.6%	$289.4M+10.8%	$261.1M-4.8%	$274.3M+14.6%	$239.5M+13.0%	$211.9M+19.9%	$176.8M+17.7%	$150.2M+3.1%	$145.6M+26.9%	$114.7M+4.8%	$109.4M+16.4%	$94.0M+39.2%	$67.5M+41.5%	$47.7M
Retained Earnings	$190.4M+10.6%	$172.2M+7.0%	$160.9M+11.0%	$144.9M+4.8%	$138.2M+31.4%	$105.2M+45.1%	$72.5M+50.2%	$48.3M+29.6%	$37.2M+19.4%	$31.2M+55.5%	$20.1M+38.7%	$14.5M+8.3%	$13.3M+34.2%	$9.9M+59.9%	$6.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.5B+10.0%	$3.3B+10.0%	$3.3B+5.8%	$3.2B-5.4%	$3.2B-1.9%	$3.0B-14.9%	$3.1B-5.6%	$3.4B-0.5%
Cash & Equivalents	$312.6M-21.7%	$177.6M-29.4%	$244.1M-23.2%	$300.0M-50.9%	$399.4M-12.3%	$251.4M-60.7%	$317.9M-20.2%	$610.9M+4.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2M0.0%	$1.2M0.0%	$1.2M-57.7%	$1.2M-57.7%	$1.2M-57.7%	$1.2M-57.7%	$2.8M0.0%	$2.8M0.0%
Total Liabilities	$3.2B+9.6%	$3.0B+10.3%	$3.0B+5.4%	$2.9B-6.8%	$2.9B-2.3%	$2.7B-16.8%	$2.8B-6.7%	$3.1B-1.6%
Total Equity	$344.5M+14.0%	$334.9M+8.0%	$334.0M+9.3%	$327.8M+8.1%	$302.3M+1.9%	$310.1M+6.2%	$305.7M+5.6%	$303.1M+11.7%
Retained Earnings	$203.5M+17.4%	$193.4M+11.4%	$190.4M+10.6%	$188.3M+14.2%	$173.3M+5.0%	$173.6M+6.3%	$172.2M+7.0%	$165.0M+6.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

MVBF Cash Flow Statement

MVBF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	-$35.7M	$4.0M+1513.3%	-$285K-100.5%	$58.2M+692.0%	$7.4M-78.9%	$34.8M-69.0%	$112.2M+1492.1%	-$8.1M-220.4%	$6.7M-79.8%	$33.1M+31.1%	$25.3M+210.3%	-$22.9M-193.8%	$24.4M+2016.2%	$1.2M+110.8%	-$10.6M-1336.0%	-$741K
Depreciation & Amortization	N/A	$2.6M-33.9%	$3.9M-21.4%	$5.0M-6.0%	$5.3M+26.8%	$4.2M+27.5%	$3.3M+1.0%	$3.3M+11.0%	$2.9M+9.2%	$2.7M-21.0%	$3.4M+17.2%	$2.9M+133.6%	$1.2M+33.0%	$936K	N/A	N/A
Stock-Based Compensation	N/A	$3.8M+30.5%	$2.9M+9.6%	$2.7M-5.1%	$2.8M+6.3%	$2.6M+11.9%	$2.4M+33.8%	$1.8M+38.8%	$1.3M+55.8%	$813K+43.1%	$568K+37.5%	$413K+28.7%	$321K+63.8%	$196K+42.0%	$138K+17.9%	$117K
Capital Expenditures	$1.9M	$1.9M+18.2%	$1.6M-15.4%	$1.9M-37.0%	$3.0M-37.5%	$4.9M-26.5%	$6.6M+223.9%	$2.0M-24.2%	$2.7M-40.1%	$4.5M+169.5%	$1.7M-22.5%	$2.2M-78.0%	$9.8M+50.7%	$6.5M+68.5%	$3.9M+476.8%	$669K
Free Cash Flow	-$37.6M	$2.1M+210.9%	-$1.9M-103.4%	$56.3M+1206.1%	$4.3M-85.6%	$29.9M-71.6%	$105.6M+1145.3%	-$10.1M-352.5%	$4.0M-86.0%	$28.6M+21.3%	$23.6M+194.2%	-$25.1M-271.3%	$14.6M+373.5%	-$5.3M+63.1%	-$14.5M-928.4%	-$1.4M
Investing Cash Flow	-$328.4M	-$208.6M-244.4%	$144.5M+63.7%	$88.2M+115.5%	-$571.1M+0.1%	-$572.0M-94.5%	-$294.1M-145.0%	-$120.1M+42.8%	-$210.0M-54.3%	-$136.1M	N/A	N/A	N/A	N/A	-$101.6M+7.0%	-$109.3M
Financing Cash Flow	$277.3M	$130.8M+158.3%	-$224.5M-206.2%	$211.5M-28.7%	$296.6M-48.9%	$580.7M+39.0%	$417.8M+212.0%	$133.9M-34.7%	$205.2M+93.7%	$105.9M	N/A	N/A	N/A	N/A	$124.1M+6.9%	$116.1M
Dividends Paid	$8.6M	$8.7M-0.7%	$8.8M+1.5%	$8.6M+3.4%	$8.4M+38.4%	$6.0M+41.2%	$4.3M+86.7%	$2.3M+87.7%	$1.2M+18.1%	$1.0M+59.9%	$646K+0.8%	$641K+0.8%	$636K+18.4%	$537K+74.9%	$307K+40.8%	$218K
Share Buybacks	N/A	$10.2M	$0	$0	$0	$0-100.0%	$15.7M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	$78K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$5.2M-30.3%	-$23.3M-265.0%	-$15.0M-42.0%	-$2.6M-129.7%	$7.4M-72.3%	$14.1M+155.9%	-$10.5M-160.1%	$8.6M-14.3%
Depreciation & Amortization	$418K-46.5%	$423K-45.5%	$443K-48.5%	$598K-35.7%	$782K-24.7%	$776K-29.6%	$860K-22.5%	$930K-23.2%
Stock-Based Compensation	N/A	$741K+4.2%	N/A	N/A	N/A	$711K-8.8%	N/A	N/A
Capital Expenditures	$329K+72.3%	$140K-46.4%	$508K+279.1%	$955K+209.1%	$191K-25.4%	$261K-71.7%	$134K-71.7%	$309K+35.5%
Free Cash Flow	$4.9M-33.0%	-$23.4M-269.1%	-$15.5M-45.0%	-$3.5M-142.2%	$7.2M-72.8%	$13.9M+153.0%	-$10.7M-162.6%	$8.3M-15.4%
Investing Cash Flow	-$80.1M-14.2%	-$78.6M-351.4%	-$107.0M-462.5%	-$62.7M-325.9%	-$70.1M-214.3%	$31.3M+21.2%	$29.5M+144.9%	$27.8M-36.9%
Financing Cash Flow	$209.9M-0.4%	$35.4M+131.7%	$66.1M+121.2%	-$34.0M-128.6%	$210.6M+177.1%	-$111.9M-146.3%	-$312.0M-121.7%	$119.0M+54.1%
Dividends Paid	$2.2M-1.9%	$2.2M-0.7%	$2.2M-3.4%	$2.1M-64.7%	$2.2M+232.8%	$2.2M+2.6%	$2.2M+3.3%	$6.1M+179.8%
Share Buybacks	N/A	N/A	$142K	$3.6M	N/A	N/A	$0	$0

MVBF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MVBF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-23.3pp	23.3%+1.5pp	21.8%+8.5pp	13.2%+4.3pp	8.9%-6.1pp	15.0%+5.2pp	9.8%+5.7pp	4.1%-4.0pp	8.1%-8.6pp	16.6%+1.4pp	15.2%
Return on Equity	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-15.6pp	15.6%+2.9pp	12.7%+6.0pp	6.8%+1.8pp	5.0%-3.8pp	8.9%+2.9pp	5.9%+4.0pp	1.9%-2.4pp	4.3%-1.9pp	6.2%+0.5pp	5.7%
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-1.6pp	1.6%+0.2pp	1.4%+0.7pp	0.7%+0.2pp	0.5%-0.4pp	0.9%+0.4pp	0.5%+0.3pp	0.2%-0.2pp	0.4%-0.2pp	0.6%+0.1pp	0.5%
Debt-to-Equity	8.91-0.3x	9.23-1.2x	10.45-0.3x	10.75+1.6x	9.18+0.4x	8.74+7.7x	1.07-0.2x	1.31+0.1x	1.24+0.4x	0.85-1.0x	1.89+0.7x	1.23+1.2x	0.070.0x	0.060.0x	0.09
Asset Turnover	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.070.0x	0.060.0x	0.050.0x	0.060.0x	0.060.0x	0.050.0x	0.050.0x	0.050.0x	0.030.0x	0.03
FCF Margin	1.3%+2.5pp	-1.3%-40.6pp	39.4%+36.3pp	3.1%-19.4pp	22.5%-43.2pp	65.7%+73.9pp	-8.2%-12.6pp	4.4%-29.3pp	33.7%+6.3pp	27.4%+63.3pp	-35.9%-64.7pp	28.8%+39.6pp	-10.7%+47.1pp	-57.8%-49.9pp	-7.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	24.0%+18.1pp	14.1%+3.5pp	9.3%-12.6pp	28.0%+21.8pp	5.9%-5.8pp	10.6%-1.2pp	21.9%+6.0pp	6.3%-4.6pp
Return on Equity	3.6%+2.9pp	1.6%+0.4pp	1.3%-1.8pp	5.2%+4.5pp	0.7%-0.7pp	1.1%-0.4pp	3.1%+0.4pp	0.7%-0.7pp
Return on Assets	0.4%+0.3pp	0.2%0.0pp	0.1%-0.2pp	0.5%+0.5pp	0.1%-0.1pp	0.1%0.0pp	0.3%+0.1pp	0.1%-0.1pp
Debt-to-Equity	9.29-0.4x	8.92+0.2x	8.91-0.3x	8.86-1.4x	9.66-0.4x	8.74-2.4x	9.23-1.2x	10.28-1.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.020.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	9.5%-12.0pp	-63.9%-105.1pp	-34.0%-9.2pp	-5.8%-30.8pp	21.5%-55.2pp	41.2%+110.1pp	-24.8%-59.2pp	25.1%-2.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
MVB Financial Corp. MVBF	FY2025	$167.7M	$27K	0.0%	$376.2M	27/100
PCB Bancorp PCB	FY2025	$115.7M	$37.5M	32.4%	$393.0M	54/100
Bankwell Financial Group Inc BWFG	FY2025	$108.3M	$35.2M	32.5%	$524.1M	37/100
Citizens Financial Services, Inc. CZFS	FY2025	$112.3M	$36.6M	32.6%	$379.5M	59/100
Farmers & Merchants Bancorp, Inc. FMAO	FY2025	$121.4M	$33.3M	27.4%	$484.0M	44/100
Plumas Bancorp PLBC	FY2025	$98.3M	$29.6M	30.1%	$430.1M	62/100

Where MVB Financial Corp. Ranks

Frequently Asked Questions

What is MVB Financial Corp.'s annual revenue?

MVB Financial Corp. (MVBF) reported $167.7M in total revenue for fiscal year 2025. This represents a 10.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is MVB Financial Corp.'s revenue growing?

MVB Financial Corp. (MVBF) revenue grew by 10.2% year-over-year, from $152.1M to $167.7M in fiscal year 2025.

Is MVB Financial Corp. profitable?

Yes, MVB Financial Corp. (MVBF) reported a net income of $27K in fiscal year 2025, with a net profit margin of 0.0%.

What is MVB Financial Corp.'s net profit margin?

MVB Financial Corp. (MVBF) had a net profit margin of 0.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does MVB Financial Corp. pay dividends?

Yes, MVB Financial Corp. (MVBF) paid $0.68 per share in dividends during fiscal year 2025.

What is MVB Financial Corp.'s return on equity (ROE)?

MVB Financial Corp. (MVBF) has a return on equity of 0.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is MVB Financial Corp.'s free cash flow?

MVB Financial Corp. (MVBF) generated $2.1M in free cash flow during fiscal year 2025. This represents a 210.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is MVB Financial Corp.'s operating cash flow?

MVB Financial Corp. (MVBF) generated $4.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are MVB Financial Corp.'s total assets?

MVB Financial Corp. (MVBF) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are MVB Financial Corp.'s capital expenditures?

MVB Financial Corp. (MVBF) invested $1.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does MVB Financial Corp. buy back shares?

Yes, MVB Financial Corp. (MVBF) spent $10.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does MVB Financial Corp. have outstanding?

MVB Financial Corp. (MVBF) had 13M shares outstanding as of fiscal year 2025.

What is MVB Financial Corp.'s debt-to-equity ratio?

MVB Financial Corp. (MVBF) had a debt-to-equity ratio of 8.91 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is MVB Financial Corp.'s return on assets (ROA)?

MVB Financial Corp. (MVBF) had a return on assets of 0.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is MVB Financial Corp.'s P/E ratio?

MVB Financial Corp. (MVBF) trades at 9.7x earnings, its market capitalization divided by net income of $38.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $376.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is MVB Financial Corp.'s price-to-sales ratio?

MVB Financial Corp. (MVBF) trades at 1.9x sales, its market capitalization divided by revenue of $194.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $376.2M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is MVB Financial Corp.'s Piotroski F-Score?

MVB Financial Corp. (MVBF) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are MVB Financial Corp.'s earnings high quality?

MVB Financial Corp. (MVBF) reported $27K of net income while generating $4.0M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is MVB Financial Corp.?

MVB Financial Corp. (MVBF) scores 27 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.