profit from every $100 of sales.
$0$100
MVB Financial
$25.61-0.66% today
-3.4% in 1 year
1-year low $24.401-year high $31.62
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.36 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What MVB Financial sold, what it kept, and what it did with the cash.
Sales went from $138 million in 2022 to $125 million in 2025, with $26.9 million of profit last year.
SalesProfit
MVB Financial handed back more cash to shareholders than it generated last year.
Buybacks $10M$9M
Free cash flow 2025$2M
Bought back its own shares$10M
Paid as dividends$9M
Cash vs. debt$244M vs. $74M
MVB Financial vs. similar companies
MVB Financial grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| MVB Financial | 12.4× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads MVB Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 138 | 146 | 151 | 125 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 15 | 31 | 20 | 27 | |
| 1.17 | 2.40 | 1.53 | 2.06 | |
| – | – | – | – | |
| – | – | – | – | |
| 10.9% | 21.3% | 13.3% | 21.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,069 | 3,314 | 3,129 | 3,309 |
| Cash | 40 | 398 | 318 | 244 |
| Total debt | 185 | 80 | 74 | 74 |
| Total liabilities | 2,807 | 3,025 | 2,823 | 2,975 |
| 261 | 289 | 306 | 334 | |
| 13 | 13 | 13 | 13 | |
| – | – | – | – | |
| 5.8% | 10.8% | 6.6% | 8.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 7 | 58 | -0 | 4 | |
| 3 | 2 | 2 | 2 | |
| 4 | 56 | -2 | 2 | |
| Dividends paid | 8 | 9 | 9 | 9 |
| 0 | 0 | 0 | 10 | |
| 3 | 3 | 3 | 4 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.4×
- 15.4×
- 0.60
- 1.0×
- 2.7×
- 8.1%
- 2.7%
Profitability
- 21.6%
- 0.9%
- 6.9%
- 8.8%
- 0.9%
Growth
- −3.4%
- +20.8%
- +13.6%
- +2.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 24%of 851
Bottom 41%of 737
Top 43%of 866
Bottom 16%of 867
Bottom 26%of 926
What analysts expect
- Average price target
- $30.00
- Range
- $30.00 – $30.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.39 | 0.37 | +5.4% |
| Feb 12, 2026 | 0.32 | 0.31 | +3.2% |
| Oct 29, 2025 | -0.24 | 0.29 | −182.8% |
| Jul 28, 2025 | 0.15 | 0.31 | −51.6% |
| Apr 30, 2025 | 0.27 | 0.21 | +28.6% |
| Feb 13, 2025 | 0.72 | 0.33 | +118.2% |
| Oct 30, 2024 | 0.16 | 0.33 | −51.5% |
| Jul 29, 2024 | 0.31 | 0.36 | −13.9% |
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
+13.6%2020 to 2025
Raised–not every year
Paid per share, each year
$0.08 in 2015 → $0.68 in 2025
How safe it looks
32.3% of its profit
Room to growStretchedMore than it earns: 412.1%
News
E-L Financial Corporation Limited PFD 1ST SER 3 declares CAD 0.3438 dividendSeeking Alpha · Nov 11, 2026E-L Financial Corporation Limited PFD 1ST SER 1 declares CAD 0.3312 dividendSeeking Alpha · Nov 11, 2026E-L Financial declares CAD 0.04 dividendSeeking Alpha · Nov 11, 2026E-L Financial Corporation Limited PFD 4.75% SR 2 declares CAD 0.2968 dividendSeeking Alpha · Nov 11, 2026Broadridge Financial Solutions declares $1.09 dividendSeeking Alpha · Nov 10, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
43No pass
Benjamin Graham
89Pass
Philip Fisher
61Pass
Peter Lynch
74Pass
Joel Greenblatt
18No pass
Charlie Munger
49No pass
Terry Smith
37No pass
Questions about MVB Financial
Is MVB Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the MVB Financial AI analysis
What does MVB Financial do?
MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It is in Banks - Regional.
Does MVB Financial pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 32% of its yearly profit. In 2025 it paid out $8.71 million in dividends.
Is MVB Financial stock halal?
No. MVB Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has MVB Financial stock done over the past year?
Down 3.4% over the past twelve months, to $25.61. It traded between $24.40 and $31.62 and is 19.0% below its high.
Who are MVB Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with MVB Financial's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.