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. 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. 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.
MVB Financial Corp., a West Virginia-based financial holding company, outlines its diversified banking and fintech-focused model centered on subsidiary MVB Bank. The company combines traditional commercial and retail banking with specialized fintech banking, fraud prevention and technology services.
As of December 31, 2025, commercial loans totaled $1.71 billion, representing 72.9% of the loan portfolio, while residential real estate-related loans were $609.1 million and consumer loans $25.6 million. The bank’s community bank leverage ratio was 11.1%, above the 9% threshold required under the simplified capital framework.
MVB operates seven branches across West Virginia and Virginia, with additional lending reach into the Carolinas and nationwide fintech relationships, particularly in payments, banking-as-a-service and gaming. In 2025 it divested Victor Technologies’ assets, recording a $34.2 million pre-tax gain, and completed the sale of its controlling interest in Trabian Technology. The company emphasizes regulatory compliance, cybersecurity, human capital development and evolving regulatory standards, while highlighting extensive risk factors tied to interest rates, fintech regulation, concentration deposits, cybersecurity and macroeconomic conditions.
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 $20,000,000. The facility can be used for general corporate purposes, repayment of existing subordinated debt, and related transaction costs.
The three-year revolving loan bears interest at 2.75% plus term SOFR, with an effective rate of 6.43% on February 24, 2026, and interest payable monthly. The borrowing is secured by MVB’s equity interests in certain subsidiaries and includes mandatory prepayments tied to subsidiary dispositions, capital raises, refinancings, and pari passu debt payments.
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 11.50%, uphold minimum Loan Loss Reserves to Non-Performing Loans ratios of 55% and later 70%, and keep a consolidated Fixed Charge Coverage Ratio of at least 2.00 to 1.00.
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 2026-02-17, indicating no current equity holdings in the issuer.