Is MVBF a good stock to buy right now?

Based on our 6-factor quantitative model, MVB FINANCIAL CORP (MVBF) receives a "Hold" rating with a composite score of 51.9/100. It is ranked #1,633 out of 4,446 stocks. Key factor scores: Quality 51/100, Value 74/100, Momentum 54/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for MVBF?

MVB FINANCIAL CORP (MVBF) has a "Hold" rating and 3-star score. The composite score of 51.9 ranks it #1,633 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is MVBF in?

MVB FINANCIAL CORP operates in the Financials sector (Banking industry) with a market cap of $323 million. It is classified as a small-cap stock.

Does MVBF pay a dividend?

Yes, MVBF pays a dividend with a current yield of 2.71%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $27.10 in annual dividend income.

What is MVBF's P/E ratio?

MVBF has a trailing P/E ratio of 9.57x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is MVBF?

MVBF's quality factor score is 51/100. Gross margin: 0.0%. ROE: 10.2% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is MVBF valued compared to peers?

MVBF's value factor score is 74/100 (higher = cheaper). Key multiples: P/E 9.6x, EV/EBITDA 9.6x. The stock appears attractively valued versus peers.

What is MVBF's debt level?

MVBF's debt-to-equity ratio is 891%. Sector average: 121%. Elevated leverage increases credit risk.

MVBF has a beta of 0.59, meaning it is less volatile than the market. Stability score: 79/100.

Does MVBF have high short interest?

MVBF's short interest factor score is 6/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

MVBF Stock Analysis: Top Small-Cap Hold (Score 51.9/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
MVBF	-1.42%	+6.12%	+3.41%	+2.09%	+63.28%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.35%	+2.51%	+3.08%	+2.45%	+33.76%	-	-	-
Alpha vs Sector	-0.33%	+3.61%	+1.99%	+9.39%	+52.70%	-	-	-

Metric	MVBF	Benchmark
P/E Ratio	9.6x	-36%
EV/EBITDA	9.6x	+194%
Price / Book	1.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
MVBF MVB FINANCIAL CORP	52	51	74	54	9.6x	10.2%	0.0%	19.4%	-4.1%	891.0x	$323M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.4%	0.5%	0.6%	0.5%	0.5%
Operating Margin %	0.2%	0.2%	0.1%	0.1%	0.1%	0.6%	0.6%	0.5%	0.4%	0.5%	0.5%
EBITDA Margin %	0.2%	0.2%	0.1%	0.1%	0.1%	0.6%	0.3%	0.3%	0.2%	0.2%	0.2%
Net Margin %	0.2%	0.2%	0.1%	0.2%	0.1%	0.5%	0.2%	0.2%	0.1%	0.1%	0.1%
FCF Margin %	-3.3%	-	-	-	-	-	65.7%	-8.1%	4.4%	0.7%	27.4%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	6.7%	8.7%	6.8%	7.5%	5.6%	13.9%	26.5%	11.9%	7.5%	9.4%	12.2%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.4%

0.5%

0.6%

0.5%

Operating Margin %

0.2%

0.1%

0.6%

0.5%

0.4%

0.5%

EBITDA Margin %

0.2%

0.1%

0.6%

0.3%

0.2%

Net Margin %

0.2%

0.1%

0.2%

0.1%

0.5%

0.2%

0.1%

FCF Margin %

-3.3%

65.7%

-8.1%

4.4%

0.7%

27.4%

ROE %

0.1%

0.2%

0.1%

ROA %

0.0%

ROIC %

6.7%

8.7%

6.8%

7.5%

5.6%

13.9%

26.5%

11.9%

7.5%

9.4%

12.2%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$176M	$175M	$186M	$190M	$126M	$83M	$161M	$124M	$91M	$85M	$86M	$70M
	—	—	—	—	—	—	$69M	$59M	$52M	$44M	$43M	$35M
Gross Margin	0.0%	---	---	---	---	---	42.8%	47.9%	57.4%	52.1%	49.9%	49.9%
	—	—	—	—	—	—	$7M	$4M	$4M	$4M	$4M	$4M
Total Operating Expenses	—	$138M	$159M	$163M	$107M	$35M	—	—	—	—	—	—
	$34M	$37M	$26M	$27M	$19M	$49M	$92M	$65M	$39M	$41M	$43M	$35M
EBIT	$34M	$37M	$26M	$27M	$19M	$49M	$92M	$65M	$39M	$41M	$43M	$35M
EBITDA	$34M	$37M	$26M	$27M	$19M	$49M	$54M	$39M	$19M	$16M	$18M	$13M
Operating Margin	19.4%	21.0%	14.2%	14.4%	14.7%	58.2%	57.2%	52.1%	42.6%	47.9%	50.1%	50.1%
EBITDA Margin	19.4%	21.0%	14.2%	14.4%	14.7%	58.2%	33.5%	31.5%	21.3%	19.1%	20.6%	19.1%
	—	—	—	$67M	$14M	$6M	$12M	$23M	$18M	$12M	$11M	$9M
	—	$37M	$26M	$27M	$19M	$49M	—	—	—	—	—	—
Income Tax Expense	—	$10M	$6M	$5M	$4M	$10M	$10M	$8M	$3M	$5M	$4M	$3M
	$34M	$27M	$20M	$31M	$14M	$39M	$37M	$27M	$12M	$8M	$13M	$7M
Net Margin	19.4%	15.4%	10.9%	16.3%	11.4%	46.4%	23.3%	21.8%	13.2%	8.9%	15.0%	9.8%
	$2.11	$2.11	$1.56	$2.46	$1.23	$3.32	$3.13	$2.26	$1.04	$0.69	$1.44	$0.78
Diluted EPS	$2.11	$2.06	$1.53	$2.40	$1.17	$3.10	$3.13	$2.26	$1.04	$0.69	$1.44	$0.78
Weighted Avg Basic	—	13M	13M	13M	12M	12M	—	—	—	—	—	—
Weighted Avg Diluted	—	13M	13M	13M	13M	13M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$176M

$175M

$186M

$190M

$126M

$83M

$161M

$124M

$91M

$85M

$86M

$70M

—

$69M

$59M

$52M

$44M

$43M

$35M

Gross Margin

0.0%

---

42.8%

47.9%

57.4%

52.1%

49.9%

—

$7M

$4M

Total Operating Expenses

—

$138M

$159M

$163M

$107M

$35M

—

$34M

$37M

$26M

$27M

$19M

$49M

$92M

$65M

$39M

$41M

$43M

$35M

EBIT

$34M

$37M

$26M

$27M

$19M

$49M

$92M

$65M

$39M

$41M

$43M

$35M

EBITDA

$34M

$37M

$26M

$27M

$19M

$49M

$54M

$39M

$19M

$16M

$18M

$13M

Operating Margin

19.4%

21.0%

14.2%

14.4%

14.7%

58.2%

57.2%

52.1%

42.6%

47.9%

50.1%

EBITDA Margin

19.4%

21.0%

14.2%

14.4%

14.7%

58.2%

33.5%

31.5%

21.3%

19.1%

20.6%

19.1%

—

$67M

$14M

$6M

$12M

$23M

$18M

$12M

$11M

$9M

—

$37M

$26M

$27M

$19M

$49M

—

Income Tax Expense

—

$10M

$6M

$5M

$4M

$10M

$8M

$3M

$5M

$4M

$3M

$34M

$27M

$20M

$31M

$14M

$39M

$37M

$27M

$12M

$8M

$13M

$7M

Net Margin

19.4%

15.4%

10.9%

16.3%

11.4%

46.4%

23.3%

21.8%

13.2%

8.9%

15.0%

9.8%

$2.11

$1.56

$2.46

$1.23

$3.32

$3.13

$2.26

$1.04

$0.69

$1.44

$0.78

Diluted EPS

$2.11

$2.06

$1.53

$2.40

$1.17

$3.10

$3.13

$2.26

$1.04

$0.69

$1.44

$0.78

Weighted Avg Basic

—

13M

12M

—

Weighted Avg Diluted

—

13M

—

MVB FINANCIAL CORP (MVBF) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does MVB FINANCIAL CORP Do?

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia. MVB FINANCIAL CORP (MVBF) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Larry F. Mazza and employs approximately 460 people. With a market capitalization of $323M, MVBF is one of the notable companies in the Financials sector.

MVB FINANCIAL CORP (MVBF) Stock Rating — Hold (April 2026)

As of April 2026, MVB FINANCIAL CORP receives a Hold rating with a composite score of 51.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.MVBF ranks #1,633 out of 4,446 stocks in our coverage universe. Within the Financials sector, MVB FINANCIAL CORP ranks #500 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

MVBF Stock Price and 52-Week Range

MVB FINANCIAL CORP (MVBF) currently trades at $26.37. The stock lost $0.38 (1.4%) in the most recent trading session. The 52-week high for MVBF is $29.59, which means the stock is currently trading -10.9% from its annual peak. The 52-week low is $15.59, putting the stock 69.2% above its annual trough. Recent trading volume was 18K shares, suggesting relatively thin trading activity.

Is MVBF Overvalued or Undervalued? — Valuation Analysis

MVB FINANCIAL CORP (MVBF) carries a value factor score of 74/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 9.57x, compared to the Financials sector average of 14.88x — a discount of 36%. The price-to-book ratio stands at 0.98x, versus the sector average of 1.22x. The price-to-sales ratio is 1.85x, compared to 0.90x for the average Financials stock. On an enterprise value basis, MVBF trades at 9.57x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, MVB FINANCIAL CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

MVB FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

MVB FINANCIAL CORP (MVBF) earns a quality factor score of 51/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.2%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

On a margin basis, MVB FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 19.4% (sector: 21.8%). Net profit margin stands at 19.4%, versus 17.7% for the average Financials stock. Revenue growth is running at -4.1% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

MVBF Debt, Balance Sheet, and Financial Health

MVB FINANCIAL CORP has a debt-to-equity ratio of 891.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.11x, suggesting adequate working capital coverage. Total debt on the balance sheet is $77M. Cash and equivalents stand at $10M.

MVBF has a beta of 0.59, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for MVB FINANCIAL CORP is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

MVB FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, MVB FINANCIAL CORP reported revenue of $176M and earnings per share (EPS) of $2.11. Net income for the quarter was $34M. Gross margin was 0.0%. Operating income came in at $34M.

In FY 2025, MVB FINANCIAL CORP reported revenue of $175M and earnings per share (EPS) of $2.11. Net income for the quarter was $27M. Revenue grew -5.7% year-over-year compared to FY 2024. Operating income came in at $37M.

In Q3 2025, MVB FINANCIAL CORP reported revenue of $44M and earnings per share (EPS) of $1.36. Net income for the quarter was $23M. Revenue grew -5.2% year-over-year compared to Q3 2024. Operating income came in at $23M.

In Q2 2025, MVB FINANCIAL CORP reported revenue of $42M and earnings per share (EPS) of $0.16. Net income for the quarter was $3M. Revenue grew -8.1% year-over-year compared to Q2 2024. Operating income came in at $3M.

Over the past 8 quarters, MVB FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $46M to $176M. Investors analyzing MVBF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

MVBF Dividend Yield and Income Analysis

MVB FINANCIAL CORP (MVBF) currently pays a dividend yield of 2.7%. At this yield, a $10,000 investment in MVBF stock would generate approximately $$271.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning MVBF offers above-average income for its sector. With a net margin of 19.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

MVBF Momentum and Technical Analysis Profile

MVB FINANCIAL CORP (MVBF) has a momentum factor score of 54/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 35/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 6/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

MVBF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, MVB FINANCIAL CORP (MVBF) ranks #500 out of 891 stocks based on the Blank Capital composite score. This places MVBF in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing MVBF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MVBF vs S&P 500 (SPY) comparison to assess how MVB FINANCIAL CORP stacks up against the broader market across all factor dimensions.

MVBF Next Earnings Date

No upcoming earnings date has been announced for MVB FINANCIAL CORP (MVBF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy MVBF? — Investment Thesis Summary

MVB FINANCIAL CORP presents a balanced picture with arguments on both sides. The value score of 74/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 79/100) reduces downside risk.

In summary, MVB FINANCIAL CORP (MVBF) earns a Hold rating with a composite score of 51.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MVBF stock.

Related Resources for MVBF Investors

Explore more research and tools: MVBF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MVBF head-to-head with peers: MVBF vs WTM, MVBF vs OPY, MVBF vs ACT.

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MVB Financial Touts AI Efficiency and Fintech Growth at Virtual Investor Banking Conference

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MVB FINANCIAL CORP (MVBF) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does MVB FINANCIAL CORP Do?

MVB FINANCIAL CORP (MVBF) Stock Rating — Hold (April 2026)

MVBF Stock Price and 52-Week Range

Is MVBF Overvalued or Undervalued? — Valuation Analysis

MVB FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

MVBF Debt, Balance Sheet, and Financial Health

MVB FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

MVBF Dividend Yield and Income Analysis

MVBF Momentum and Technical Analysis Profile

MVBF vs Competitors — Financials Sector Ranking and Peer Comparison

MVBF Next Earnings Date

Should You Buy MVBF? — Investment Thesis Summary

Related Resources for MVBF Investors

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Zarif Law Group to Sponsor Centri Capital Conference on April 14

MVB Financial Touts AI Efficiency and Fintech Growth at Virtual Investor Banking Conference

MVB to Present at the Banking Virtual Investor Conference March 26

MVB Financial to Present at Centri Capital Conference

U.S. Bank Stocks Follow The Broader Market Down In March