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Stocks · Financials · State Commercial Banks

MVB FINANCIAL CORP

MVBF Clue Score71
United States Fiscal year ends December CIK 0001277902
$28.91 -2.00% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $28.91 −33.78% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue2.1Net income12.9EPS, diluted1.31Fiscal year 2017Revenue2.3 +10.6%Net income7.6 −41.3%EPS, diluted0.68 −48.1%Fiscal year 2018Revenue2.2 −2.0%Net income12.0 +58.5%EPS, diluted1.00 +47.1%Fiscal year 2019Revenue3.4 +51.9%Net income27.0 +124.9%EPS, diluted2.20 +120.0%Fiscal year 2020Net income37.4 +38.6%EPS, diluted3.06 +39.1%Fiscal year 2021Net income39.1 +4.6%EPS, diluted3.10 +1.3%Fiscal year 2022Net income15.0 −61.5%EPS, diluted1.17 −62.3%Fiscal year 2023Net income31.2 +107.6%EPS, diluted2.40 +105.1%Fiscal year 2024EPS, diluted1.53 −36.2%Fiscal year 2025EPS, diluted2.06 +34.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2.1 2.3 2.2 3.4 n/a n/a n/a n/a n/a n/a
Growth +10.6% −2.0% +51.9%
Net income 12.9 7.6 12.0 27.0 37.4 39.1 15.0 31.2 n/a n/a
Growth −41.3% +58.5% +124.9% +38.6% +4.6% −61.5% +107.6%
EPS, diluted 1.31 0.68 1.00 2.20 3.06 3.10 1.17 2.40 1.53 2.06
Growth −48.1% +47.1% +120.0% +39.1% +1.3% −62.3% +105.1% −36.2% +34.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin625.6%Free cash flow margin1,143.2%Fiscal year 2017Net margin331.8%Free cash flow margin1,253.8%Fiscal year 2018Net margin536.3%Free cash flow margin178.8%Fiscal year 2019Net margin793.9%Free cash flow margin−297.2%Fiscal year 2020Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 625.6% 331.8% 536.3% 793.9% n/a n/a n/a n/a n/a n/a
Free cash flow margin 1,143.2% 1,253.8% 178.8% −297.2% n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow25.3Capital expenditure−1.7Free cash flow23.6Dividends paid−0.6Fiscal year 2017Operating cash flow33.1Capital expenditure−4.5Free cash flow28.6 +21.3%Dividends paid−1.0Fiscal year 2018Operating cash flow6.7Capital expenditure−2.7Free cash flow4.0 −86.0%Buybacks0.0Dividends paid−1.2Fiscal year 2019Operating cash flow−8.1Capital expenditure−2.0Free cash flow−10.1 −352.5%Buybacks0.0Dividends paid−2.3Fiscal year 2020Operating cash flow112.2Capital expenditure−6.6Free cash flow105.6Buybacks−15.7Dividends paid−4.3Fiscal year 2021Operating cash flow34.8Capital expenditure−4.9Free cash flow30.0 −71.6%Buybacks0.0Dividends paid−6.0Fiscal year 2022Operating cash flow7.4Capital expenditure−3.0Free cash flow4.3 −85.6%Buybacks0.0Dividends paid−8.4Fiscal year 2023Operating cash flow58.2Capital expenditure−1.9Free cash flow56.3 +1,206.1%Buybacks0.0Dividends paid−8.6Fiscal year 2024Operating cash flow−0.3Capital expenditure−1.6Free cash flow−1.9 −103.4%Buybacks0.0Dividends paid−8.8Fiscal year 2025Operating cash flow4.0Capital expenditure−1.9Free cash flow2.1Buybacks−10.2Dividends paid−8.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 25.3 33.1 6.7 −8.1 112.2 34.8 7.4 58.2 −0.3 4.0
Capital expenditure −1.7 −4.5 −2.7 −2.0 −6.6 −4.9 −3.0 −1.9 −1.6 −1.9
Free cash flow 23.6 28.6 4.0 −10.1 105.6 30.0 4.3 56.3 −1.9 2.1
Growth +21.3% −86.0% −352.5% −71.6% −85.6% +1,206.1% −103.4%
Buybacks n/a n/a 0.0 0.0 −15.7 0.0 0.0 0.0 0.0 −10.2
Dividends paid −0.6 −1.0 −1.2 −2.3 −4.3 −6.0 −8.4 −8.6 −8.8 −8.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash17.3Total debt124.4Net cash (debt)−107.1Shareholders’ equity145.6Debt to equity0.85Fiscal year 2017Cash20.3Total debt185.7Net cash (debt)−165.4Shareholders’ equity150.2Debt to equity1.24Fiscal year 2018Cash22.2Total debt232.4Net cash (debt)−210.2Shareholders’ equity176.8Debt to equity1.31Fiscal year 2019Cash28.0Total debt227.0Net cash (debt)−199.0Shareholders’ equity211.9Debt to equity1.07Fiscal year 2020Cash263.9Shareholders’ equity239.5Fiscal year 2021Cash307.4Shareholders’ equity274.3Fiscal year 2022Cash40.3Shareholders’ equity261.1Fiscal year 2023Cash398.2Shareholders’ equity289.4Fiscal year 2024Cash317.9Shareholders’ equity305.7Fiscal year 2025Cash244.1Shareholders’ equity334.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 17.3 20.3 22.2 28.0 263.9 307.4 40.3 398.2 317.9 244.1
Total debt 124.4 185.7 232.4 227.0 n/a n/a n/a n/a n/a n/a
Net cash (debt) −107.1 −165.4 −210.2 −199.0 n/a n/a n/a n/a n/a n/a
Shareholders’ equity 145.6 150.2 176.8 211.9 239.5 274.3 261.1 289.4 305.7 334.0
Debt to equity 0.85 1.24 1.31 1.07 n/a n/a n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
2.1 2.3 2.2 3.4 n/a n/a n/a n/a n/a n/a
Growth +10.6% −2.0% +51.9%
13.4 12.3 15.4 35.0 46.9 47.5 15.0 27.3 26.3 36.9
4.4 4.8 3.4 8.5 9.5 9.6 3.3 5.1 6.1 9.9
12.9 7.6 12.0 27.0 37.4 39.1 15.0 31.2 n/a n/a
Growth −41.3% +58.5% +124.9% +38.6% +4.6% −61.5% +107.6%
Per share
1.44 0.69 1.04 2.26 3.13 3.32 1.23 2.46 1.56 2.11
1.31 0.68 1.00 2.20 3.06 3.10 1.17 2.40 1.53 2.06
Growth −48.1% +47.1% +120.0% +39.1% +1.3% −62.3% +105.1% −36.2% +34.6%
8.2 10.3 11.0 11.7 11.8 11.8 12.3 12.7 12.9 12.8
10.1 10.4 12.7 12.0 12.1 12.6 12.9 13.0 13.1 13.1
Growth +3.7% +21.9% −5.3% +0.4% +4.3% +2.0% +1.0% +1.1% −0.2%

Five years in brief

Worked out from the figures above, not from a press release
  • The diluted share count rose 8.4% in five years, which is dilution.
  • Profitable in every one of the 8 years on file.