MVB Financial Corp.

NasdaqCM:MVBF Stock Report

Market Cap: US$267.9m

MVB Financial Valuation

Is MVBF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MVBF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MVBF ($20.07) is trading below our estimate of fair value ($37.82)

Significantly Below Fair Value: MVBF is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MVBF?

Key metric: As MVBF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MVBF. This is calculated by dividing MVBF's market cap by their current earnings.
What is MVBF's PE Ratio?
PE Ratio14x
EarningsUS$18.56m
Market CapUS$267.87m

Price to Earnings Ratio vs Peers

How does MVBF's PE Ratio compare to its peers?

The above table shows the PE ratio for MVBF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.8x
TSBK Timberland Bancorp
9.8xn/aUS$243.1m
BWFG Bankwell Financial Group
15.5x45.2%US$237.7m
CBAN Colony Bankcorp
12.6x15.2%US$282.9m
CVCY Central Valley Community Bancorp
9.2x39.8%US$235.3m
MVBF MVB Financial
14x34.2%US$267.9m

Price-To-Earnings vs Peers: MVBF is expensive based on its Price-To-Earnings Ratio (14x) compared to the peer average (11.8x).

Price to Earnings Ratio vs Industry

How does MVBF's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
MVBF 14.0xIndustry Avg. 12.4xNo. of Companies87PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MVBF is expensive based on its Price-To-Earnings Ratio (14x) compared to the US Banks industry average (12.4x).

Price to Earnings Ratio vs Fair Ratio

What is MVBF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MVBF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14x
Fair PE Ratio18.2x

Price-To-Earnings vs Fair Ratio: MVBF is good value based on its Price-To-Earnings Ratio (14x) compared to the estimated Fair Price-To-Earnings Ratio (18.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MVBF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$20.07
US$24.67
+22.9%
3.8%US$26.00US$24.00n/a3
Nov ’25US$19.10
US$23.17
+21.3%
5.1%US$24.00US$21.50n/a3
Oct ’25US$18.94
US$25.75
+36.0%
7.5%US$29.00US$24.00n/a4
Sep ’25US$21.00
US$26.00
+23.8%
6.7%US$29.00US$25.00n/a4
Aug ’25US$22.06
US$26.00
+17.9%
6.7%US$29.00US$25.00n/a4
Jul ’25US$18.39
US$23.25
+26.4%
7.7%US$25.00US$21.00n/a4
Jun ’25US$18.73
US$23.25
+24.1%
7.7%US$25.00US$21.00n/a4
May ’25US$18.39
US$24.75
+34.6%
7.2%US$27.00US$22.00n/a4
Apr ’25US$22.10
US$27.25
+23.3%
6.6%US$30.00US$25.00n/a4
Mar ’25US$21.10
US$27.25
+29.1%
6.6%US$30.00US$25.00n/a4
Feb ’25US$21.91
US$27.88
+27.2%
5.1%US$30.00US$26.00n/a4
Jan ’25US$22.56
US$27.88
+23.6%
5.1%US$30.00US$26.00US$20.704
Dec ’24US$21.50
US$27.88
+29.7%
5.1%US$30.00US$26.00US$21.584
Nov ’24US$19.94
US$27.88
+39.8%
5.1%US$30.00US$26.00US$19.104
Oct ’24US$22.58
US$29.38
+30.1%
2.8%US$30.00US$28.00US$18.944
Sep ’24US$23.72
US$29.63
+24.9%
3.2%US$30.50US$28.00US$21.004
Aug ’24US$26.00
US$28.88
+11.1%
7.8%US$30.50US$25.00US$22.064
Jul ’24US$21.08
US$23.25
+10.3%
13.0%US$27.00US$19.00US$18.394
Jun ’24US$18.02
US$22.50
+24.9%
10.2%US$25.00US$19.00US$18.734
May ’24US$17.87
US$27.75
+55.3%
13.0%US$32.50US$24.00US$18.394
Apr ’24US$20.64
US$34.00
+64.7%
8.8%US$37.00US$29.00US$22.104
Mar ’24US$26.71
US$32.40
+21.3%
12.9%US$37.00US$26.00US$21.105
Feb ’24US$22.67
US$34.17
+50.7%
17.4%US$40.00US$26.00US$21.913
Jan ’24US$22.02
US$34.67
+57.4%
17.8%US$40.00US$26.00US$22.563

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 01:51
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team 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 .

Analyst Sources

MVB Financial Corp. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Brett RabatinHovde Group, LLC
Steven AlexopoulosJ.P. Morgan
Christopher McGrattyKeefe, Bruyette, & Woods