MVBF Form 4: 390 Shares Issued to Director After RSU Vesting

Rhea-AI Filing Summary

MVB Financial Corp. director Jan Lynn Owen received shares following the vesting of restricted stock units granted on 10/01/2024. The filing reports 390 shares issued at no cash price and states that 100% of the time-vested restricted stock units granted on the grant date have vested and are being issued. The report notes that the total beneficial ownership of the reporting person is 9,830 shares after the transaction and that 10 dividend shares accrued since the grant are included. The Form 4 was signed by a power of attorney on 10/03/2025. The filing reflects routine equity compensation vesting rather than an open-market purchase or sale.

Positive

• 390 shares issued to a director due to RSU vesting, increasing insider alignment
• Total beneficial ownership now at 9,830 shares, showing continued insider stake
• 10 dividend shares were included, reflecting dividend-crediting on the award

Negative

• None.

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

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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).

1. Name and Address of Reporting Person^*

Owen Jan Lynn

(Last) (First) (Middle)

3050 BASTONE COURT

(Street)

WEST SACRAMENTO CA 95691

(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)
10/01/2025

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	10/01/2025	10/01/2025	M(1)		390	A	$0	9,830(2)	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
RSU - Time-Vested Award	$0	10/01/2025	10/01/2025	M			380	10/01/2025	(3)	Common Stock	380	$0	0	D

Explanation of Responses:

1. 100% of the restricted stock units, granted October 1, 2024, have vested and shares are are being issued.

2. Includes 10 dividend shares accrued since the time of grant.

3. The time-vested restricted stock units were granted pursuant to the MVB Financial Corp. 2022 Stock Incentive Plan and will vest 100% on the first anniversary of the grant date.

Remarks:

	Lisa J McCormick, POA for Jan Lynn Owen	10/03/2025
	** 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 did Jan Lynn Owen report on the Form 4 for MVBF?

The Form 4 reports the vesting and issuance of equity: 390 common shares were issued at $0 following the vesting of RSUs granted on 10/01/2024.

How many restricted stock units vested and were issued?

The filing states 100% of the RSUs granted on 10/01/2024 vested and shares are being issued; the non-derivative line shows 390 shares acquired and the derivative table references 380 time-vested RSUs underlying 380 common shares.

What is the reporting person's total share ownership after the transaction?

Following the reported transactions the reporting person beneficially owns 9,830 shares.

Was there any cash paid for these shares?

No. The Form 4 shows a price of $0 for the shares issued upon vesting.

When was the Form 4 signed and filed?

The signature by the reporting person's POA is dated 10/03/2025 and the transaction date is 10/01/2025.