Stocks · Financial Services · Banks - Regional
MVB Financial Corp. MVBF
$30.46 +2.25% Close, Oct 2, 2026 · NASDAQ · Market cap $391.4M
Strong trendInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.96, up 127.7% year over year.
- Operating margin widened to 23.5% from 10.8% a year earlier.
- The stock is in an uptrend: above its 200-day average for 91 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 35%
- EPS growth (TTM, YoY)Top 7%
- FCF growth (TTM, YoY)Bottom 2%
- Revenue growth, 3-year CAGRTop 28%
- Revenue growth accelerationTop 8%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 46%
- Gross marginBottom 45%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 7%
- Accruals (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Top 6%
- Interest coverBottom 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 17%
- Free-cash-flow yieldBottom 9%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 5%
- P/E vs own 5-year history (lower is better)Top 18%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 34%
- 6-month returnTop 17%
- 1-year return vs S&P 500Top 32%
- Distance from 52-week highTop 22%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 29%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyTop 30%
- Upside to consensus price targetBottom 10%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 47%
- Maximum drawdown, 3 yearsBottom 30%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 6%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -8.3% | 2.9% | ↑ |
| EPS growth (YoY) | 49.3% | 127.7% | ↑ |
| Gross margin | 64.9% | 63.3% | ↓ |
| Operating margin | 10.8% | 23.5% | ↑ |
| FCF margin | 8.8% | -17.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.9% | -8.3% | ↑ | Bottom 35% |
| EPS growth (TTM, YoY) | 127.7% | 49.3% | ↑ | Top 7% |
| Gross margin | 63.3% | 64.9% | ↓ | Bottom 45% |
| Operating margin | 23.5% | 10.8% | ↑ | Top 45% |
| Net margin | 17.7% | 8.0% | ↑ | — |
| Free-cash-flow margin | -17.2% | 8.8% | ↓ | — |
| Return on invested capital | 1.1% | — | Bottom 46% | |
| Revenue growth, 3-year CAGR | 21.1% | — | Top 28% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -0.92×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -4.77×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.21%
- Net buyback yield (TTM)
- 0.05%
- Shareholder yield
- 2.26%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -0.0%
- Average 2-day reaction, last 8
- -0.7%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $30.00
- Target vs current price
- -1.5%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 63%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +174.0% | +2.2% | +5.7% | +3.8% | — |
| Apr 29, 2026 | +5.4% | -2.8% | -2.1% | -0.6% | +9.6% |
| Feb 12, 2026 | +3.2% | -1.5% | -1.6% | -10.9% | -8.2% |
| Oct 29, 2025 | -182.8% | -2.9% | -3.8% | -0.3% | +3.8% |
| Jul 28, 2025 | -51.6% | -1.2% | -5.9% | +1.6% | +8.7% |
| Apr 30, 2025 | +28.6% | +0.1% | +3.8% | +15.0% | +38.5% |
| Feb 13, 2025 | +118.2% | +0.3% | -4.6% | -14.8% | -10.1% |
| Oct 30, 2024 | -51.5% | +0.1% | -7.4% | +5.0% | -3.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.93 | $0.34 | +174.0% | $39.8M |
| Apr 29, 2026 | $0.39 | $0.37 | +5.4% | $36.7M |
| Feb 12, 2026 | $0.32 | $0.31 | +3.2% | $39.1M |
| Oct 29, 2025 | -$0.24 | $0.29 | -182.8% | $42.4M |
| Jul 28, 2025 | $0.15 | $0.31 | -51.6% | $31.7M |
| Apr 30, 2025 | $0.27 | $0.21 | +28.6% | $32.8M |
| Feb 13, 2025 | $0.72 | $0.33 | +118.2% | $44.9M |
| Oct 30, 2024 | $0.16 | $0.33 | -51.5% | $32.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.3× | 12.3× | 19th | Top 17% |
| P/E (forward) | 13.9× | — | — | — |
| EV / EBITDA | 2.6× | — | — | Top 3% |
| EV / Sales | 0.62× | — | — | Top 5% |
| Free-cash-flow yield | -9.60% | — | — | Bottom 9% |
| Earnings yield | 9.72% | — | — | Top 17% |
P/E over the past five years
Range 8.7× – 19.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.7%
- Earnings per share growth (TTM)
- +127.7%
- Change in P/E multiple
- -42.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 91
- 50-day average slope (20 days)
- +2.0%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- +0.2%
- Distance from 200-day average
- +9.6%
- RSI (14)
- 52.4
- Relative volume
- 1.82×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.1%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.79
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -3.7%
- Maximum drawdown, 3 years
- -36.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 17, 2021 | Apr 16, 2025 | -65.0% | 984 days | Not yet recovered |
| Mar 12, 2021 | Mar 23, 2021 | -13.7% | 7 days | 14 days (Apr 13, 2021) |
| Oct 13, 2020 | Oct 30, 2020 | -10.5% | 13 days | 8 days (Nov 11, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $391.4M
- P/E (TTM)
- 10.3
- EPS, diluted (TTM)
- $2.96
- Revenue (TTM)
- $219.1M
- Dividend yield
- 2.23%
- 52-week range
- $23.99 – $31.99
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $111.1M | $152.4M | $213.0M | $227.3M | $270.4M |
| Gross profit | $111.1M | $124.0M | $148.4M | $147.1M | $193.8M |
| Operating income | $47.5M | $15.0M | $27.3M | $26.3M | $36.9M |
| Net income | $39.1M | $15.0M | $31.2M | $20.1M | $26.9M |
| EPS (diluted) | $3.10 | $1.17 | $2.40 | $1.53 | $2.06 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $52.5M | $63.0M | $49.3M | $48.0M | $42.4M | $56.4M | $53.0M | $67.4M |
| Net income | $2.1M | $9.4M | $3.6M | $2.0M | $17.1M | $4.2M | $5.2M | $12.3M |
| EPS (diluted) | $0.16 | $0.72 | $0.27 | $0.15 | $1.32 | $0.32 | $0.39 | $0.93 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $34.8M | $7.4M | $58.2M | -$285,000 | $4.0M |
| Capital expenditure | -$4.9M | -$3.0M | -$1.9M | -$1.6M | -$1.9M |
| Free cash flow | $29.9M | $4.3M | $56.3M | -$1.9M | $2.1M |
| Dividends paid | -$6.0M | -$8.4M | -$8.6M | -$8.8M | -$8.7M |
| Net share buybacks | $500,000 | $1.4M | -$209,000 | $1.0M | -$7.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $312.6M
- Total assets
- $3.55B
- Total liabilities
- $3.20B
- Total debt
- $57.8M
- Net debt
- -$254.8M
- Shareholders’ equity
- $344.5M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.17 | Sep 15, 2026 |
| Jun 1, 2026 | $0.17 | Jun 15, 2026 |
| Feb 27, 2026 | $0.17 | Mar 15, 2026 |
| Dec 1, 2025 | $0.17 | Dec 15, 2025 |
| Aug 29, 2025 | $0.17 | Sep 15, 2025 |
| May 30, 2025 | $0.17 | Jun 15, 2025 |
| Feb 28, 2025 | $0.17 | Mar 15, 2025 |
| Nov 29, 2024 | $0.17 | Dec 15, 2024 |
Short interest
- Shares sold short
- 313,384
- Days to cover
- 5.90
- Change vs previous report
- +5.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 2, 2014
- 2-for-1
- Jan 25, 2011
- 11-for-10