[8-K] MVB FINANCIAL CORP Reports Material Event

Rhea-AI Filing Summary

MVB Financial Corp. announced that it has executed a balance sheet repositioning strategy focused on its available-for-sale investment securities portfolio and furnished a related press release as Exhibit 99.1.

The filing indicates the company is actively managing the composition of its securities holdings; full details and any financial effects are provided in the furnished press release and the interactive cover page data file.

Positive

• Company executed an explicit balance sheet repositioning strategy for its available-for-sale securities
• Press release furnished as Exhibit 99.1, enabling investors to review detailed disclosures

Negative

• None.

Insights

Balance Sheet / Treasury Analyst

Execution of a securities repositioning may alter portfolio composition and reported reserves.

The company states it executed a balance sheet repositioning strategy for its available-for-sale securities portfolio, which is an active shift in investment holdings rather than a routine disclosure. Changes of this type typically affect the makeup of marketable securities reported on the balance sheet and the presentation of unrealized gains or losses in equity.

Key dependencies include the specific securities sold or purchased and the realized versus unrealized accounting treatment; those details are in Exhibit 99.1. Investors should review the furnished press release for concrete amounts, timing, and whether the repositioning generated realized gains or losses that would appear in the income statement or other comprehensive income.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 6, 2025

MVB Financial Corp

(Exact name of registrant as specified in its charter)

West Virginia			001-38314			20-0034461
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

301 Virginia Avenue, Fairmont, WV			26554-2777
(Address of principal executive offices)			(Zip Code)

(304) 363-4800

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, $1.00 par value

MVBF

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).     

Emerging growth company ☐     

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01.    Other Events.

On October 6, 2025, MVB Financial, Corp. issued a press release regarding the execution of a balance sheet repositioning strategy related to its available-for-sale investment securities portfolio. A copy of the press release is furnished as Exhibit 99.1 to this report.

Item 9.01.    Financial Statements and Exhibits.

(d) Exhibits.

99.1    Press release of MVB Financial Corp. dated October 6, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

			MVB Financial Corp.
			By:			/s/ Michael R. Sumbs
						Michael R. Sumbs Executive Vice President and Chief Financial Officer

Date: October 6, 2025

FAQ

What did MVB Financial (MVBF) announce in the 8-K?

The company announced it executed a balance sheet repositioning strategy related to its available-for-sale investment securities portfolio and furnished a press release as Exhibit 99.1.

Where can I find details about the securities repositioning by MVBF?

Details are provided in the furnished press release, referenced as Exhibit 99.1 in the filing.

Does the filing include financial tables or amounts for the repositioning?

No; the filing text does not include financial tables or specific amounts. The press release (Exhibit 99.1) is the referenced source for additional details.

What part of the balance sheet is affected by the announced action?

The action is related to the available-for-sale investment securities portfolio, which appears on the balance sheet and can affect shareholders' equity accounting for unrealized gains/losses.

How can investors access the underlying data referenced in the filing?

The filing notes a cover page interactive data file is embedded within the Inline XBRL document and the press release is furnished as Exhibit 99.1.