MVB Financial Corp., through its subsidiaries, provides banking and mortgage products and services to individuals and corporate clients in the Mid-Atlantic region.
Flawless balance sheet established dividend payer.
Share Price & News
How has MVB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MVBF has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: MVBF matched the US Banks industry which returned -16.6% over the past year.
Return vs Market: MVBF underperformed the US Market which returned 18% over the past year.
Price Volatility Vs. Market
How volatile is MVB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StWhat Type Of Shareholders Make Up MVB Financial Corp.'s (NASDAQ:MVBF) Share Registry?
3 weeks ago | Simply Wall StShould You Take Comfort From Insider Transactions At MVB Financial Corp. (NASDAQ:MVBF)?
2 months ago | Simply Wall StMVB Financial Corp.'s (NASDAQ:MVBF) Could Be A Buy For Its Upcoming Dividend
Is MVB Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: MVBF ($14) is trading above our estimate of fair value ($12.18)
Significantly Below Fair Value: MVBF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: MVBF is good value based on its PE Ratio (6.1x) compared to the US Banks industry average (10x).
PE vs Market: MVBF is good value based on its PE Ratio (6.1x) compared to the US market (19.3x).
Price to Earnings Growth Ratio
PEG Ratio: MVBF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: MVBF's PB Ratio (0.8x) is in line with the US Banks industry average.
How is MVB Financial forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MVBF's earnings are forecast to decline over the next 3 years (-43.8% per year).
Earnings vs Market: MVBF's earnings are forecast to decline over the next 3 years (-43.8% per year).
High Growth Earnings: MVBF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: MVBF's revenue is expected to decline over the next 3 years (-20.7% per year).
High Growth Revenue: MVBF's revenue is forecast to decline over the next 3 years (-20.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MVBF's Return on Equity is forecast to be low in 3 years time (4.9%).
How has MVB Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MVBF has a high level of non-cash earnings.
Growing Profit Margin: MVBF's current net profit margins (19.6%) are lower than last year (22.4%).
Past Earnings Growth Analysis
Earnings Trend: MVBF's earnings have grown significantly by 38.2% per year over the past 5 years.
Accelerating Growth: MVBF's earnings growth over the past year (11.7%) is below its 5-year average (38.2% per year).
Earnings vs Industry: MVBF earnings growth over the past year (11.7%) exceeded the Banks industry -3%.
Return on Equity
High ROE: MVBF's Return on Equity (12%) is considered low.
How is MVB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: MVBF's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: MVBF has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 94% 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 (67%).
Low Risk Deposits: MVBF's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: MVBF has an appropriate level of bad loans (0.9%).
What is MVB Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MVBF's dividend (2.57%) is higher than the bottom 25% of dividend payers in the US market (1.59%).
High Dividend: MVBF's dividend (2.57%) is low compared to the top 25% of dividend payers in the US market (4.32%).
Stability and Growth of Payments
Stable Dividend: MVBF's dividends per share have been stable in the past 10 years.
Growing Dividend: MVBF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (13.2%), MVBF's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: MVBF's dividends in 3 years are forecast to be well covered by earnings (41.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Larry Mazza (59 yo)
Mr. Larry F. Mazza, CPA has been the Chief Executive Officer and President of MVB Financial Corp., since January 1, 2009 and January 01, 2014 respectively. Mr. Mazza served as the Chief Executive Officer a ...
CEO Compensation Analysis
Compensation vs Market: Larry's total compensation ($USD1.81M) is above average for companies of similar size in the US market ($USD1.27M).
Compensation vs Earnings: Larry's compensation has been consistent with company performance over the past year.
|Executive VP||4.58yrs||US$760.76k||0.12% |
|Independent Director||21.58yrs||US$134.60k||1.19% |
|Senior VP & Chief Risk Officer||15.58yrs||US$444.16k||0.34% |
|Executive VP & Chief Commercial Lending Officer||no data||US$555.23k||0.25% |
|Chief Technology Officer||no data||no data||no data|
|Corporate Secretary/ Investor Relations||4.58yrs||no data||no data|
|Vice President of Corporate Communications & Marketing||no data||no data||no data|
|Executive VP and Chief People & Culture Officer||2.25yrs||no data||0.053% |
|Senior Vice President of Audit||3.42yrs||no data||no data|
|Executive VP & Chief Retail Banking Officer of Reston||2.58yrs||no data||no data|
|Chief Strategy Officer||no data||no data||no data|
Experienced Management: MVBF's management team is considered experienced (4.6 years average tenure).
|Independent Director||21.58yrs||US$134.60k||1.19% |
|Independent Director||15.58yrs||US$124.10k||0.60% |
|Independent Chairman||2yrs||US$138.47k||2.52% |
|Independent Director||7.25yrs||US$123.30k||0.69% |
|Independent Director||3.92yrs||US$136.10k||0.42% |
|Independent Director||7.25yrs||US$143.98k||1.6% |
|Independent Director||2.67yrs||US$102.50k||0.098% |
|Independent Director||1.25yrs||US$110.37k||0.082% |
Experienced Board: MVBF's board of directors are considered experienced (7.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.3%.
MVB Financial Corp.'s company bio, employee growth, exchange listings and data sources
- Name: MVB Financial Corp.
- Ticker: MVBF
- Exchange: NasdaqCM
- Founded: 1997
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$167.509m
- Shares outstanding: 11.96m
- Website: https://www.mvbbanking.com
Number of Employees
- MVB Financial Corp.
- 301 Virginia Avenue
- West Virginia
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MVBF||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Nov 2003|
MVB Financial Corp., through its subsidiaries, provides banking and mortgage products and services to individuals and corporate clients in the Mid-Atlantic region. The company operates through three segmen ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/15 06:22|
|End of Day Share Price||2020/08/14 00:00|
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.