Welcome to our dedicated page for MVB FINANCIAL 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. files reports that document the operations, governance and capital-market disclosures of its bank holding company structure and wholly owned subsidiary, MVB Bank. Recent Form 8-K filings furnish quarterly earnings releases, Regulation FD investor-presentation materials and material-event disclosures related to executive roles, board composition and committee leadership.
The company’s definitive proxy materials address annual-meeting governance, director and officer information, executive compensation and shareholder voting matters. Its filings also identify MVBF common stock registered under the Exchange Act and listed on Nasdaq, while recurring disclosures frame the company’s fintech banking platform, traditional retail and commercial banking activities, capital structure and forward-looking risk considerations.
MVB Financial Corp. furnished an investor presentation outlining its fintech-focused banking strategy and recent performance. The company reported $3.3B in total assets, $2.4B in total loans and $2.9B in total deposits, with payments volume of $48B over the trailing twelve months.
For Q1 2026, net income increased 44.9% from Q1 2025 and diluted EPS reached $0.39, up 44.4%. Noninterest income rose 17.1%, while tangible book value per share was $25.98, up 8.9% from Q1 2025. Noninterest-bearing deposits accounted for 34.9% of total deposits.
The presentation highlights strong capital, with the Bank leverage ratio at 10.1%, Bank Common Equity Tier 1 capital ratio at 12.6%, and a holding company tangible common equity to tangible assets ratio of 10.0%. Asset quality remained solid, with non-performing loans at 0.26% of total loans and an allowance for credit losses equal to 1.45% of total loans.
MVB Financial Corp. reported solid first quarter 2026 results, driven by lending growth, higher fee income and lower costs. Net income was $5.2 million, with basic earnings per share of $0.41 and diluted earnings per share of $0.39, up sharply from the prior year.
Loans grew 2.6% from the fourth quarter to $2.40 billion, and net interest income edged up to $28.5 million as net interest margin held at 3.71%. Total deposits reached $2.90 billion, while the loan‑to‑deposit ratio was a moderate 83.0% at March 31, 2026.
Noninterest income was $8.2 million versus $10.7 million in the prior quarter, mainly because the earlier period included a sizable securities gain. Core performance improved as noninterest expense fell 10.7% to $28.1 million, lowering the efficiency ratio to 76.7% and lifting pre‑tax, pre‑provision earnings to $8.5 million.
Credit metrics were mixed: nonperforming loans rose to $34.7 million, or 1.4% of loans, but net charge‑offs declined to $1.5 million, or 0.26% annualized. Capital remained solid, with a tangible common equity ratio of 10.0%. After quarter‑end, MVB recognized an expected second‑quarter pre‑tax gain of about $10.0 million on a Fintech investment, which is projected to add roughly $0.59 per share to tangible book value.
MVB Financial Corp., parent of MVB Bank, announced that its leadership will present at the Centri Capital Conference at Nasdaq in New York City on April 14, 2026. CEO and President Larry F. Mazza and CFO Michael Sumbs will join a fireside chat from 9:30 to 9:55 a.m., with Mazza also appearing on a panel from 4:45 to 5:30 p.m. A live webcast of the fireside chat and an archived audio replay will be accessible through MVB’s investor relations website, giving investors and other stakeholders an opportunity to hear management discuss the business alongside other capital markets participants.
MVB Financial Corp. reports a leadership change. Michael L. Giorgio has been appointed Chief Operating Officer of MVB Financial Corp. and its wholly owned bank, MVB Bank, Inc., effective April 1, 2026, in addition to his existing role as Chief Information Officer.
No changes were made to Mr. Giorgio’s employment agreement or compensation arrangements in connection with this appointment. The company notes that his biographical information appears in its 2026 definitive proxy statement and that he has no family relationships with directors or executive officers and no material related-party interests requiring disclosure.
MVB Financial Corp. is holding its 2026 annual shareholder meeting via live webcast on May 19, 2026 to elect four directors, hold an advisory vote on executive pay, approve more shares for the 2022 Stock Incentive Plan, and ratify Forvis Mazars, LLP as auditor.
The proxy describes a largely performance-based pay program, where 2025 bonuses paid out at 216.66% of target after strong earnings, cost control, loan growth, and credit quality. Performance-based RSUs for 2023–2025 vested at 65.06% of target, and the Board approved a one-time $2.1 million consulting payment to CEO Larry Mazza for his role in the $34.2 million pre-tax gain on the sale of Victor.
MVB Financial Corp. announced that Michael “Mike” L. Giorgio has been promoted to Executive Vice President, Chief Information Officer and Chief Operating Officer of MVB Bank, effective April 1, 2026. He adds the COO title to his existing CIO role.
The company explains that technology now underpins core operations such as digital banking, loan processing platforms, deposit operations, Fintech partnerships and enterprise project management. Consolidating these technology-dependent functions under Giorgio is intended to align operational execution with MVB’s long-term technology and strategic plans.
MVB Financial Corp. filed Amendment No. 1 to its annual report to add separate financial statements for Warp Speed Holdings, LLC, which became significant under Rule 3-09 of Regulation S-X for the year ended December 31, 2025. These audited and unaudited Warp Speed statements are included as Exhibit 99.1.
The amendment also updates the exhibits section to add a new auditor consent and fresh CEO and CFO certifications. It does not revise any other information from the original annual report. As of March 11, 2026, MVB had 12,844,813 common shares outstanding.
MVB Financial Corp Schedule 13G/A filing reports that The Vanguard Group holds 0 shares of Common Stock and beneficial ownership of 0% of the class as disclosed in the amendment. The filing explains an internal realignment at Vanguard that caused certain subsidiaries/divisions to report separately under SEC Release No. 34-39538.
MVB Financial Corp. shares an investor presentation outlining its evolution into a fintech-focused bank and recent financial performance. The company reports total assets of $3.3B, trailing-twelve-month revenue of $168M with 10% revenue growth, total loans of $2.3B, and total deposits of $2.8B.
The presentation emphasizes a dual model: a CoRe banking franchise providing relationship-based lending and low-cost funding, and a fintech platform spanning payments, banking-as-a-service, and gaming, processing $48B of payment volume. Fintech-related deposits have grown rapidly, contributing to noninterest-bearing deposits reaching 40.3% of total deposits as of 12/31/2025.
MVB highlights a strong capital position, with tangible common equity to tangible assets of 10.1% in 2025 and ongoing share repurchases under a $10M authorization. Tangible book value per share rose to $26.17 in 2025, supported by loan growth to $2.343B of gross loans and consistently low nonperforming and net charge-off ratios.