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MVBF

NEUTRAL
$26.32 Live
MVB Financial Corp. · NASDAQ
Target $32.0 (+21.6%)
$15.59 52W Range $29.59

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 15, 2026
Market cap
$338.08M
P/E
12.78
ROE
8.4%
Profit margin
17.0%
Debt/Equity
N/A
Dividend yield
2.59%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
MVBF presents a conflicting profile characterized by a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the Graham Number of $34.89 suggests the stock is undervalued from a defensive standpoint and it trades at a fair Price/Book of 1.00, these metrics are undermined by severe contractions in revenue (-20.9%) and earnings (-53.8%). A significant divergence exists between the 'Strong Buy' analyst consensus and the highly bearish technical trend (10/100). The company currently resembles a value trap where asset-based valuation is fighting against operational decay.

Key Strengths

Trading at a Price/Book ratio of 1.00, indicating fair asset valuation
Defensive fair value (Graham Number) of $34.89 is well above current price
Sustainable dividend payout ratio of 33.01%
Low Forward P/E of 9.49 suggests cheap earnings relative to future expectations
Strong 1-year price performance (+70.8%) despite fundamental headwinds

Key Risks

Weak Piotroski F-Score (3/9) signals poor financial health and operational decline
Severe YoY earnings contraction of -53.80%
Significant revenue decline of -20.90% YoY
Highly bearish technical trend (10/100) suggesting strong selling pressure
High volatility in quarterly earnings with frequent misses against estimates
AI Fair Value Estimate
Based on comprehensive analysis
$24.65
-6.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
46
Moderate
Value
75
Future
20
Past
40
Health
30
Dividend
65
AI Verdict
Speculative Value
Key drivers: Asset-based valuation (P/B 1.0), Severe earnings/revenue contraction, Poor financial health score (Piotroski)
Confidence
85%
Value
75/100

Strong defensive value but poor growth-adjusted value.

Positives
  • P/B of 1.00
  • Graham Number $34.89 > Current Price
Watchpoints
  • Intrinsic value based on growth is only $14.42
Future
20/100

Fundamental growth metrics are in a steep decline.

Positives
  • Analyst target price of $32.00
Watchpoints
  • Revenue growth -20.90%
  • Earnings growth -53.80%
Past
40/100

Recent price gains are disconnected from long-term performance and earnings trends.

Positives
  • Strong 1Y return of 70.8%
Watchpoints
  • 5Y change is negative (-24.6%)
  • Inconsistent earnings beat record
Health
30/100

Deterministic health score indicates significant internal weakness.

Positives
  • Positive profit margins
Watchpoints
  • Piotroski F-Score of 3/9 (Weak)
Dividend
65/100

Dividends are well-covered by current earnings.

Positives
  • Low payout ratio (33.01%)
  • Consistent dividend rate
Watchpoints
  • Modest yield of 2.59%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$26.32
Analyst Target
$32.0
Upside/Downside
+21.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MVBF and closest competitors.

Updated 2026-04-14
MVB
MVB Financial Corp.
Primary
5Y
-24.6%
3Y
+63.0%
1Y
+70.8%
6M
-0.1%
1M
+4.1%
1W
+3.3%
FUF
BitFuFu Inc.
Peer
5Y
-79.1%
3Y
-80.3%
1Y
-52.8%
6M
-48.1%
1M
-20.4%
1W
+18.7%
FNL
The First Bancorp, Inc.
Peer
5Y
+34.5%
3Y
+41.3%
1Y
+33.8%
6M
+23.6%
1M
+9.3%
1W
+5.9%
NWF
Norwood Financial Corp.
Peer
5Y
+45.7%
3Y
+26.3%
1Y
+41.2%
6M
+26.3%
1M
+7.6%
1W
-0.5%
PCB
PCB Bancorp
Peer
5Y
+96.4%
3Y
+102.5%
1Y
+34.8%
6M
+23.1%
1M
+10.6%
1W
-1.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.78
Forward P/E
9.49
PEG Ratio
N/A
P/B Ratio
1.0
P/S Ratio
2.14
EV/Revenue
1.21
EV/EBITDA
N/A
Market Cap
$338.08M

Profitability

Profit margins and return metrics

Profit Margin 17.02%
Operating Margin 15.11%
Gross Margin N/A
ROE 8.42%
ROA 0.84%

Growth

Revenue and earnings growth rates

Revenue Growth -20.9%
Earnings Growth -53.8%
Q/Q Revenue Growth -19.48%
Q/Q Earnings Growth -55.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$19.62

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
11.7%
Total Assets
$3.3B
Liabilities
$3.0B
Equity
$0.3B
Debt/Equity
8.91x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
103%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29
$N/A
2026-02-12
$0.31
-2.0% surprise
2025-10-29
$1.32
+371.4% surprise
2025-07-28
$0.15
-42.3% surprise

Financial Services Sector Comparison

Comparing MVBF against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
P/E Ratio
12.78
This Stock
vs
46.02
Sector Avg
-72.2% (Discount)
Return on Equity (ROE)
8.42%
This Stock
vs
0.23%
Sector Avg
+3579.1% (Excellent)
Profit Margin
17.02%
This Stock
vs
50.44%
Sector Avg
-66.3% (Weaker)
Revenue Growth
-20.9%
This Stock
vs
37.35%
Sector Avg
-156.0% (Slower)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

MAZZA LARRY F
Chief Executive Officer
Option Exercise
2026-01-29
100,000 shares · $1,250,000
RODRIGUEZ JOSEPH RYAN
Officer
Stock Award
2026-01-02
5,112 shares
NELSON KELLY R
Director
Option Exercise
2025-12-30
3,000 shares · $45,000
EBERT JOHN W
Director
Option Exercise
2025-12-12
1,000 shares · $12,500
CORDELLA RICK JAMES JR
Director
Buy
2025-12-05
500 shares · $13,850
SUMBS MICHAEL ROBERT
Chief Financial Officer
Buy
2025-11-03
2,000 shares · $52,000
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
4 analysts
Keefe, Bruyette & Woods
2025-11-10
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning MVBF from our newsroom.

Newest → oldest
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