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 with proven track record and pays a dividend.
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 exceeded the US Banks industry which returned 9.7% over the past year.
Return vs Market: MVBF exceeded the US Market which returned 19.4% 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
1 week ago | Simply Wall StIs MVB Financial Corp.'s (NASDAQ:MVBF) CEO Being Overpaid?
4 weeks ago | Simply Wall StRead This Before You Buy MVB Financial Corp. (NASDAQ:MVBF) Because Of Its P/E Ratio
1 month ago | Simply Wall StIs Now The Time To Put MVB Financial (NASDAQ:MVBF) On Your Watchlist?
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 ($20.15) is trading above our estimate of fair value ($11.64)
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 (9.4x) compared to the Banks industry average (12.6x).
PE vs Market: MVBF is good value based on its PE Ratio (9.4x) compared to the US market (18.3x).
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 is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).
How is MVB Financial forecast to perform in the next 1 to 3 years based on estimates from 2 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 (-26.5% per year).
Earnings vs Market: MVBF's earnings are forecast to decline over the next 3 years (-26.5% per year).
High Growth Earnings: MVBF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: MVBF's revenue (3.3% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: MVBF's revenue (3.3% per year) is forecast to grow slower than 20% 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 (6.7%).
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 (21.9%) are higher than last year (11.5%).
Past Earnings Growth Analysis
Earnings Trend: MVBF's earnings have grown significantly by 37.6% per year over the past 5 years.
Accelerating Growth: MVBF's earnings growth over the past year (151.4%) exceeds its 5-year average (37.6% per year).
Earnings vs Industry: MVBF earnings growth over the past year (151.4%) exceeded the Banks industry 12.3%.
Return on Equity
High ROE: MVBF's Return on Equity (12.3%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: MVBF has a low level of unsold assets or inventory.
Debt Coverage by Assets: MVBF's debt is not covered by short term assets (assets are 0.9x debt).
Financial Institutions Analysis
Asset Level: MVBF's level of assets compared to its equity is low.
Allowance for Bad Loans: MVBF has a sufficient allowance for bad loans.
Low Risk Liabilities: MVBF's liabilities are made up of primarily low risk sources of funding.
Loan Level: MVBF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: MVBF's loans are broadly funded by customer deposits.
Level of Bad Loans: MVBF has an appropriate level of bad loans (0.41%)
What is MVB Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: MVBF's dividend (1.39%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.43%).
High Dividend: MVBF's dividend (1.39%) is low compared to the top 25% of dividend payers in the US market (3.7%).
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 (7.2%), 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 (15.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Larry Mazza (58yo)
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 ($USD2.26M) is above average for companies of similar size in the US market ($USD1.11M).
Compensation vs Earnings: Larry's compensation has increased by more than 20% in the past year.
|Executive VP||4.1yrs||US$786.13k||0.11% $273.5k|
|Independent Director||21.1yrs||US$86.29k||1.1% $2.6m|
|Senior VP & Chief Risk Officer||15.1yrs||US$415.79k||0.34% $799.5k|
|Executive VP||0yrs||US$605.87k||0.25% $587.2k|
|Chief Information Officer||0yrs||no data||no data|
|Corporate Secretary/ Investor Relations||4.1yrs||no data||no data|
|Vice President of Corporate Communications & Marketing||0yrs||no data||no data|
|Senior Vice President of Human Resources||1.8yrs||no data||no data|
|Senior Vice President of Audit||2.9yrs||no data||no data|
Experienced Management: MVBF's management team is considered experienced (4.1 years average tenure).
|Independent Director||21.1yrs||US$86.29k||1.1% $2.6m|
|Independent Director||15.1yrs||US$80.43k||0.53% $1.3m|
|Chairman of the Board||1.5yrs||US$64.83k||2.47% $5.9m|
|Independent Director||6.8yrs||US$77.13k||0.63% $1.5m|
|Independent Director||3.4yrs||US$90.79k||0.37% $879.8k|
|Independent Director||6.8yrs||US$104.35k||1.45% $3.5m|
|Independent Director||2.2yrs||US$64.83k||0.047% $110.8k|
|Director||0.8yrs||no data||0.029% $69.1k|
Experienced Board: MVBF's board of directors are considered experienced (6.8 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 8.4%.
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$238.263m
- Shares outstanding: 11.82m
- 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 segments: Commercial and Retail Banking; Mortgage Banking; and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and grants various types of loans, including commercial and commercial real estate loans, residential real estate loans, home equity lines of credit, real estate construction loans, and consumer loans. The company also provides debit cards; cashier’s checks; safe deposit rental facilities; and non-deposit investment services, as well as automated teller machines, and Internet and telephone banking services. The company operates 15 full-service banking branches and 11 mortgage offices. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/19 01:26|
|End of Day Share Price||2020/02/18 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.