MVB Financial Corp (MVBF) director reports 1,000-share purchase

Rhea-AI Filing Summary

MVB Financial Corp director John W. Ebert acquired 1,000 shares of common stock on December 12, 2025 at $12.5 per share. After this transaction, he beneficially owned 118,862 shares directly, including 2,428 shares accumulated through MVB’s Dividend Reinvestment Plan since the last report.

On the same date, 1,000 common stock options with a $12.5 exercise price and a February 3, 2026 expiration were reduced to zero, corresponding to 1,000 underlying common shares.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Ebert John W

(Last) (First) (Middle)

164 MEADOWFIELD DR.

(Street)

BRIDGEPORT WV 26330

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
MVB FINANCIAL CORP [ MVBF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/12/2025	12/12/2025	M		1,000	A	$12.5	118,862(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Common Stock Options	$12.5	12/12/2025	12/12/2025	M			1,000	02/03/2017(2)	02/03/2026	Common Stock	1,000	$0	0	D

Explanation of Responses:

1. Includes 2,428 shares acquired through MVB's Dividend Reinvestment Plan since the last report.

2. Stock Options granted - 1/5 of the shares became exercisable 02/03/17, 02/03/18, 02/03/19, 02/03/20 and 02/03/21, respectively

Remarks:

	Lisa J. McCormick, POA for John W. Ebert	12/16/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What stock transaction did MVBF director John W. Ebert report?

John W. Ebert, a director of MVB Financial Corp, reported acquiring 1,000 shares of common stock on December 12, 2025 at a price of $12.5 per share.

How many MVB Financial Corp (MVBF) shares does John W. Ebert now beneficially own?

Following the reported transaction, John W. Ebert beneficially owned 118,862 shares of MVB Financial Corp common stock directly, which includes 2,428 shares acquired through MVB’s Dividend Reinvestment Plan since the last report.

What happened to the stock options reported in this MVBF Form 4 filing?

The filing shows a transaction in 1,000 common stock options with a $12.5 exercise price. After the December 12, 2025 transaction, the number of these derivative securities beneficially owned was 0, corresponding to 1,000 underlying common shares.

What were the key terms of the MVB Financial Corp stock options involved?

The derivative securities were common stock options with a $12.5 exercise price and an expiration date of February 3, 2026. Footnote disclosure states the grant vested in five equal parts on 02/03/17, 02/03/18, 02/03/19, 02/03/20 and 02/03/21.

What is John W. Ebert’s relationship to MVB Financial Corp (MVBF)?

The report identifies John W. Ebert as a Director of MVB Financial Corp, with the director box checked in the relationship section.

Was this MVBF ownership report filed by one person or a group?

The form indicates it was filed by one reporting person, not by more than one reporting person or a group.