MVB Financial Balance Sheet Health
Financial Health criteria checks 5/6
MVB Financial has total assets of $3.5B and total equity of $344.5M. Total deposits are $3.1B, and total loans are $2.4B earning a Net Interest Margin of 3.7%. It has insufficient allowance for bad loans, which are currently at 1.2% of total loans. Cash and short-term investments are $319.9M.
Key information
10.3x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$3.11b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$319.90m |
Recent financial health updates
Recent updates
Fintech Partnerships And Digital Gaming Platforms Will Support A Stronger Future For This Bank
Catalysts About MVB Financial MVB Financial is a Fintech enabled regional bank that combines a core commercial banking franchise with national payments, banking as a service and digital gaming platforms. What are the underlying business or industry changes driving this perspective?MVB Financial (NASDAQ:MVBF) Has Affirmed Its Dividend Of $0.17
MVB Financial Corp.'s ( NASDAQ:MVBF ) investors are due to receive a payment of $0.17 per share on 15th of December...MVB Financial Corp. Just Recorded A 70% Revenue Beat: Here's What Analysts Think
MVB Financial Corp. ( NASDAQ:MVBF ) investors will be delighted, with the company turning in some strong numbers with...MVB Financial Corp. Just Missed EPS By 42%: Here's What Analysts Think Will Happen Next
The analysts might have been a bit too bullish on MVB Financial Corp. ( NASDAQ:MVBF ), given that the company fell...MVB Financial (NASDAQ:MVBF) Is Paying Out A Dividend Of $0.17
MVB Financial Corp.'s ( NASDAQ:MVBF ) investors are due to receive a payment of $0.17 per share on 15th of March. Based...MVB Financial (NASDAQ:MVBF) Will Pay A Dividend Of $0.17
The board of MVB Financial Corp. ( NASDAQ:MVBF ) has announced that it will pay a dividend of $0.17 per share on the...MVB Financial (NASDAQ:MVBF) Has Announced A Dividend Of $0.17
MVB Financial Corp. ( NASDAQ:MVBF ) has announced that it will pay a dividend of $0.17 per share on the 15th of June...Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MVBF's Assets to Equity ratio (10.3x) is moderate.
Allowance for Bad Loans: MVBF has a low allowance for bad loans (97%).
Low Risk Liabilities: 97% of MVBF's liabilities are made up of primarily low risk sources of funding.
Loan Level: MVBF has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: MVBF's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: MVBF has an appropriate level of bad loans (1.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/21 08:34 |
| End of Day Share Price | 2026/09/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
MVB Financial Corp. is covered by 9 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Steven Alexopoulos | J.P. Morgan |
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |