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MVB FINANCIAL CORP MVBF

Nasdaq · stock · State Commercial Banks · website · IPO 2002-03-11 · LEI

MVB FINANCIAL CORP statistics & valuation

Market cap$372.5M
P / B1.1×
P / FCF176.3×
Dividend yield2.34%
Graham number +12.4%$34.37

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($34.37); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.90% 5.00% 6.80% 12.70% 15.60% 14.20% 5.80% 10.80% 2016201720182019202020212022202320242025
Shares outstanding
10.1M 10.4M 12.7M 12.0M 12.1M 12.6M 12.9M 13.0M 13.1M 13.1M 2016201720182019202020212022202320242025
Net debt ($)
$107.1M $165.4M $210.2M $199.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.50% 0.70% 1.40% 1.60% 1.40% 0.50% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
1143.20% 1253.80% 178.80% -297.20% 2016201720182019202020212022202320242025
Debt / equity (×)
0.85× 1.24× 1.31× 1.07× 2016201720182019202020212022202320242025
EPS ($)
$1.31 $0.68 $1.00 $2.20 $3.06 $3.10 $1.17 $2.40 $1.53 $2.06 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

MVB FINANCIAL CORP trades at about 14.8× earnings — above its 10-year norm (10-year range 7.3×–28.5×, median 12.9×).

7.3× 28.5×

Shaded band = 10-year range (7.3×–28.5×); dot = today's 14.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin——————793.9%536.3%331.8%625.6%
FCF margin——————-297.2%178.8%1253.8%1143.2%
Return on assets——0.9%0.5%1.4%1.6%1.4%0.7%0.5%0.9%
Return on equity——10.8%5.8%14.2%15.6%12.7%6.8%5.0%8.9%
Debt / equity——————1.07×1.31×1.24×0.85×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.