Welcome to our dedicated page for Mvb Finl SEC filings (Ticker: MVBF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
MVB Financial Corp. (NASDAQ: MVBF) files a range of documents with the U.S. Securities and Exchange Commission that detail its operations as a bank holding company for MVB Bank, Inc. On this page, Stock Titan connects those SEC filings with AI-powered summaries so investors can quickly understand the key points in each report.
For MVBF, Form 10-K annual reports and Form 10-Q quarterly reports are central sources for information on its CoRe Banking, Mortgage Banking and Financial Holding Company segments. These filings explain how MVB generates revenue from interest on loans and investment securities, service charges on deposit accounts and noninterest income, as well as how it manages capital, liquidity and asset quality. AI summaries highlight segment performance, net interest margin trends, loan and deposit dynamics and changes in the allowance for credit losses.
Form 8-K current reports provide timely disclosure of material events. For MVB Financial, recent 8-K filings have covered quarterly financial results, the declaration of cash dividends, authorization of stock repurchase programs, an investment securities repositioning strategy and the sale of substantially all assets and operations of Victor Technologies, Inc. AI analysis surfaces the implications of these events for earnings, capital and strategy without requiring users to read every line of the underlying documents.
Investors can also use this page to access proxy materials and other governance-related filings that describe executive transitions, employment agreements and compensation arrangements. Where applicable, Form 4 insider transaction reports can be reviewed to see how directors and officers trade MVBF shares. With real-time updates from EDGAR and automated explanations, this filings hub helps users navigate complex regulatory disclosures and focus on what matters most in MVB Financial’s reporting.
MVB Financial Corp. reported that director Glen W. Herrick resigned from the boards of the company and its subsidiary MVB Bank, effective February 26, 2026. He previously served as Chair of the Audit Committee and a member of the Finance Committee.
In his resignation letter, Herrick cited concerns related to corporate governance practices, executive compensation practices and philosophy, and the company’s strategic focus. The letter did not raise any issues about financial statements, accounting policies, internal control over financial reporting, or auditing matters. The boards appointed existing Audit Committee member Cheryl Spielman as the new Audit Committee Chair, and she is identified as an “audit committee financial expert” under SEC rules.
MVB Financial Corp. reported that on March 2, 2026 it redeemed all of its $40.0 million aggregate principal amount of 4.25% Fixed-to-Floating Rate Subordinated Notes due 2030. These notes bore a variable rate of 7.67% as of March 2, 2026 and were structured to qualify as Tier 2 regulatory capital.
The redemption was funded using a combination of MVB’s $20.0 million revolving line of credit and cash on hand, reflecting a change in the company’s capital and funding mix.
MVB Financial Corp. entered into a new Credit Agreement with Raymond James Bank, providing a senior revolving line of credit of up to
The three-year revolving loan bears interest at 2.75% plus term SOFR, with an effective rate of 6.43% on
The agreement contains customary covenants and events of default. Key financial covenants require MVB and its subsidiary banks to remain “well capitalized,” maintain each subsidiary bank’s Total Risk-Based Capital Ratio at or above
MVB Financial Corp director Adam Francis Famularo filed an initial statement of beneficial ownership. The Form 3 shows he is a director of the company and reports ownership of 0 common shares as of
MVB Financial Corp. announced several board and capital return updates. The company named long-time director Dr. Kelly R. Nelson as Chairman of the Board, effective February 17, 2026, succeeding retiring chairman W. Marston “Marty” Becker. Dr. Nelson has served on the board since 2004 and has led key risk and compliance oversight roles.
MVB also appointed Adam Famularo, CEO of WorkFusion and an experienced financial technology and AI executive, as a new board member and Finance Committee member. In addition, the board declared a quarterly cash dividend of $0.17 per share, the first dividend of 2026 and consistent with the previous quarter, payable March 15, 2026 to shareholders of record on March 1, 2026.
MVB Financial Corp. furnished an investor presentation outlining Q4 2025 performance, balance sheet trends, and strategic initiatives. Net interest income on a fully tax-equivalent basis rose 6.5%, with net interest margin improving by 16 basis points to 3.71%. Loans grew $83.8 million, or 3.7% from the prior quarter and $243.0 million, or 11.6% from the prior year, while noninterest-bearing deposits represented 40.3% of total deposits.
Noninterest expenses fell $1.8 million, or 5.5% from the prior quarter and $2.1 million, or 6.4% from the fourth quarter of 2024. Tangible book value per share reached $26.17, up 0.73% from Q3 2025 and reflecting a 9.5% compound annual growth rate since 2019. The company repurchased 479,069 shares, or roughly 4% of outstanding shares, in 2025 and paid $8.7 million in common dividends, extending its streak to 42 consecutive quarters.
The presentation highlights growth in payments, with payments revenue reaching $583 thousand in 2025 and a 46% compound annual growth rate since 2021, and deposits of its payments-focused vehicle averaging $11,534 thousand with 102% compound annual growth since 2021. MVB reports strong capital metrics, including a 10.1% tangible common equity to tangible assets ratio, an 11.1% bank leverage ratio, and a 14.5% total risk-based capital ratio for 2025. The company also details a fintech partnership pipeline of 52 opportunities and ongoing implementation of artificial intelligence and automation to enhance risk management and operational efficiency.
MVB Financial Corp reported a planned board leadership change. Board Chairman W. Marston Becker informed the company on February 12, 2026 that he will not stand for re-election at the 2026 Annual Meeting and will step down as chair and as a director at the end of his current term.
The board plans to appoint current Vice Chair Dr. Kelly R. Nelson as the next chair at its February 17, 2026 board meeting as part of ongoing leadership succession planning. The company stated that Mr. Becker’s decision was not due to any disagreement or dispute with the company.
MVB Financial Corp. reported fourth quarter 2025 net income of $4.2 million, or $0.33 basic and $0.32 diluted earnings per share, and full-year 2025 net income of $26.9 million with basic EPS of $2.11.
Fourth quarter net interest income rose 6.8% from the prior quarter to $28.4 million, as net interest margin expanded to 3.70% on lower funding costs and higher asset yields. Total loans reached $2.34 billion, up 3.7% sequentially, while total deposits grew to $2.84 billion, with noninterest-bearing deposits increasing to 40.3% of deposits.
Noninterest income was $10.7 million, down sharply from the prior quarter, which had a large gain on the sale of Victor Technologies. Noninterest expense declined to $31.5 million. Capital ratios remained solid, and tangible book value per share increased to $26.17, though net charge-offs rose to $3.9 million for the quarter.
MVB Financial Corp President & CEO Larry F. Mazza, who is also a director, reported an options exercise and related share withholding in company stock. On January 29, 2026, a fully vested option for 100,000 shares of common stock was exercised at an exercise price of $12.50 per share, converting into 100,000 common shares.
To cover the exercise-related obligations, 16,758 shares of common stock were withheld at a value of $28.26 per share. After these transactions, Mazza directly held 709,600 shares of MVB Financial Corp common stock and had an additional 22,304 shares reported as indirectly owned, held by Melissa Mazza. The option involved, originally granted on February 3, 2017 and fully vested, now shows zero derivative securities remaining.