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MVB FINANCIAL CORP

MVBF

$29.89 ▼ -0.44 (-1.45%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

MVB FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $381.9M

Dividend Yield 2.28%

Revenue Growth 10.2% ↗

Op. Margin 22.0% ↗

ROIC None

FCF / Share None

Trailing P/E 14.2x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$167.67M

↑ +10.2% —

Net Income Profit after all expenses

$26.92M

↑ +33.0% —

Operating Margin Operating profit as % of sales

22.0%

↑ +26.9% 78th

Long-Term Debt Long-term obligations

$227.01M

↓ -2.3% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.68 Latest / share

+0.0% YoY

+21.5% 12-yr CAGR

$0.08

FY 2014

$0.08

FY 2015

$0.08

FY 2016

$0.10

FY 2017

$0.11

FY 2018

$0.20

FY 2019

$0.36

FY 2020

$0.51

FY 2021

$0.68

FY 2022

$0.68

FY 2023

$0.68

FY 2024

$0.68

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	2.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	-13.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-317%)	29.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+393%)	36.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+512%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	-1.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-123%)	23.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+291%)	37.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+530%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	98.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1547%)	40.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+582%)	34.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+468%)	—	—
EPS Growth YoY (%)	35.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-63.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	38.5% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	117.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-52.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	84.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	254.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-62.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-35.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	48.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-11.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	33.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.2% Weak ↓ Weak Declining Year-over-year change in net income	107.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-61.5% Weak ↓ Weak Declining Year-over-year change in net income	4.6% Caution ↓ Caution Declining Year-over-year change in net income	38.6% Excellent ↓ Excellent Declining Year-over-year change in net income	124.9% Excellent ↑ Excellent Improving Year-over-year change in net income	58.5% Excellent ↓ Excellent Declining Year-over-year change in net income	-41.3% Weak ↓ Weak Declining Year-over-year change in net income	89.4% Excellent ↑ Excellent Improving Year-over-year change in net income	227.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-48.3% Weak ↓ Weak Declining Year-over-year change in net income	-3.6% Weak ↓ Weak Declining Year-over-year change in net income	54.3% Excellent Excellent Year-over-year change in net income	20.8% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	15.5% Excellent → Excellent Stable Compound annual revenue growth over 3 years	23.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	18.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	20.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	40.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	41.7% Excellent Excellent Compound annual revenue growth over 3 years	55.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	18.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	12.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	37.1% Excellent Excellent Compound annual revenue growth over 5 years	39.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-22.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-18.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	47.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	65.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	10.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	46.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-5.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-29.2% Weak Weak Compound annual EPS growth over 3 years	-5.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	22.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	17.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	19.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	10.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	34.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	29.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	28.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	17.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	14.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	15.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	13.6% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	5.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	10.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	23.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	20.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	22.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—
Effective Tax Rate (%) (%)	26.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	16.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	13.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	10.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	28.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	23.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	8.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	15.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	9.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	8.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	16.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	15.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	16.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	6.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	5.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	5.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	6.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	7.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	1.07x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-11%)	1.31x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	—	—	—	—	1.98x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+65%)	1.38x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+15%)	0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$13.12	$11.80	$11.26	$11.35	$11.87	$13.59	$10.59	$8.22	$8.25	$10.50	$8.71	$6.41	$7.49	$5.71	$4.14	$4.15	—
Basic EPS, GAAP (USD)	$2.11	$1.56	$2.46	$1.23	$3.32	$3.13	$2.26	$1.04	$0.69	$1.44	$0.78	$0.22	$0.59	$0.92	$0.62	$0.70	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.68	$0.68	$0.68	$0.68	$0.51	$0.36	$0.20	$0.11	$0.10	$0.08	$0.08	$0.08	$0.08	$0.07	$0.05	$0.05	—
Book Value per Share (USD)	$26.26	$23.61	$22.68	$20.69	$22.70	$20.78	$17.74	$15.23	$14.38	$17.73	$14.23	$13.84	$12.28	$23.44	$10.68	$9.62	—
Tangible Book Value per Share (USD)	$26.17	$23.39	$22.46	$20.47	$22.37	$20.57	$16.10	$13.64	$12.61	$15.48	$11.94	$11.59	$9.96	$17.32	$10.48	$9.62	—
Basic Weighted Avg Shares (shares)	12.78M	12.89M	12.69M	12.28M	11.78M	11.82M	11.71M	11.03M	10.31M	8.21M	8.01M	7.91M	6.66M	4.39M	4.30M	3.20M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	10.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	14.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	$227.01M	$232.41M	—	—	—	—	$6.62M	—	$4.12M	—	—
Total Equity (USD)	$333.97M	$305.68M	$289.38M	$261.08M	$274.33M	$239.48M	$211.94M	$176.77M	$150.19M	$145.62M	$114.71M	$109.44M	$94.02M	$67.55M	$47.73M	$30.77M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$167.67M	$152.11M	$143.00M	$139.37M	$139.75M	$160.66M	$124.00M	$90.69M	$85.00M	$86.20M	$69.83M	$50.68M	$49.86M	$25.07M	$17.80M	$13.27M	—
Depreciation Expense (USD)	$2.60M	$3.93M	$5.00M	$5.32M	$4.20M	$3.29M	$3.26M	$2.94M	$2.69M	$3.41M	$2.91M	$1.25M	—	—	—	—	—
Net Income, GAAP (USD)	$26.92M	$20.25M	$31.23M	$15.05M	$39.12M	$37.41M	$26.99M	$12.00M	$7.58M	$12.91M	$6.82M	$2.08M	$4.02M	$4.17M	$2.70M	$2.24M	—
Operating Cash Flow (USD)	$4.03M	$-285.00K	$58.23M	$7.35M	$34.81M	$112.23M	$-8.06M	—	—	—	—	—	—	—	$-741.00K	$5.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.5%	3.7%	3.6%	2.8%	3.0%	3.1%	3.0%	2.9%	3.0%	2.5%	2.6%	2.1%	2.4%	2.6%	2.6%	—
Efficiency Ratio (%) (%)	72.8%	80.4%	82.3%	79.0%	69.7%	60.5%	70.3%	80.4%	82.9%	80.3%	82.8%	89.2%	85.4%	65.6%	69.4%	68.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

MVB FINANCIAL CORP

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