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MVB FINANCIAL CORP (MVBF) Stock Fundamental Analysis

NASDAQ:MVBF - Nasdaq - US5538101024 - Common Stock - Currency: USD

19.01  -0.02 (-0.11%)

After market: 19.01 0 (0%)

Fundamental Rating

3

MVBF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. MVBF has a bad profitability rating. Also its financial health evaluation is rather negative. MVBF has a decent growth rate and is not valued too expensively. MVBF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year MVBF was profitable.
MVBF had a positive operating cash flow in the past year.
In the past 5 years MVBF has always been profitable.
Of the past 5 years MVBF 4 years had a positive operating cash flow.
MVBF Yearly Net Income VS EBIT VS OCF VS FCFMVBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.54%, MVBF is doing worse than 69.42% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.12%, MVBF is doing worse than 67.67% of the companies in the same industry.
Industry RankSector Rank
ROA 0.54%
ROE 6.12%
ROIC N/A
ROA(3y)0.69%
ROA(5y)1.01%
ROE(3y)7.7%
ROE(5y)10.56%
ROIC(3y)N/A
ROIC(5y)N/A
MVBF Yearly ROA, ROE, ROICMVBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

MVBF has a worse Profit Margin (13.12%) than 79.20% of its industry peers.
In the last couple of years the Profit Margin of MVBF has declined.
MVBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.13%
PM growth 5Y-9.18%
GM growth 3YN/A
GM growth 5YN/A
MVBF Yearly Profit, Operating, Gross MarginsMVBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

MVBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MVBF has more shares outstanding
MVBF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MVBF has an improved debt to assets ratio.
MVBF Yearly Shares OutstandingMVBF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MVBF Yearly Total Debt VS Total AssetsMVBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of MVBF is 2.91, which is a good value as it means it would take MVBF, 2.91 years of fcf income to pay off all of its debts.
MVBF has a Debt to FCF ratio of 2.91. This is comparable to the rest of the industry: MVBF outperforms 49.12% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that MVBF is not too dependend on debt financing.
The Debt to Equity ratio of MVBF (0.26) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.91
Altman-Z N/A
ROIC/WACCN/A
WACC19.52%
MVBF Yearly LT Debt VS Equity VS FCFMVBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MVBF Yearly Current Assets VS Current LiabilitesMVBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

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5

3. Growth

3.1 Past

The earnings per share for MVBF have decreased strongly by -36.25% in the last year.
The Earnings Per Share has been decreasing by -5.96% on average over the past years.
MVBF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.37%.
The Revenue has been growing slightly by 4.17% on average over the past years.
EPS 1Y (TTM)-36.25%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%18.03%
Revenue 1Y (TTM)6.37%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%29.92%

3.2 Future

The Earnings Per Share is expected to grow by 24.90% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.30% on average over the next years. This is quite good.
EPS Next Y-5.78%
EPS Next 2Y24.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.44%
Revenue Next 2Y9.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MVBF Yearly Revenue VS EstimatesMVBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
MVBF Yearly EPS VS EstimatesMVBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

MVBF is valuated correctly with a Price/Earnings ratio of 12.42.
MVBF's Price/Earnings ratio is in line with the industry average.
MVBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
The Price/Forward Earnings ratio is 13.19, which indicates a correct valuation of MVBF.
62.41% of the companies in the same industry are cheaper than MVBF, based on the Price/Forward Earnings ratio.
MVBF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.42
Fwd PE 13.19
MVBF Price Earnings VS Forward Price EarningsMVBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

76.19% of the companies in the same industry are more expensive than MVBF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.11
EV/EBITDA N/A
MVBF Per share dataMVBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

A more expensive valuation may be justified as MVBF's earnings are expected to grow with 24.90% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y24.9%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

MVBF has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.19, MVBF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, MVBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

On average, the dividend of MVBF grows each year by 34.55%, which is quite nice.
MVBF has been paying a dividend for at least 10 years, so it has a reliable track record.
MVBF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)34.55%
Div Incr Years0
Div Non Decr Years16
MVBF Yearly Dividends per shareMVBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

MVBF pays out 46.73% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of MVBF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP46.73%
EPS Next 2Y24.9%
EPS Next 3YN/A
MVBF Yearly Income VS Free CF VS DividendMVBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M 100M
MVBF Dividend Payout.MVBF Dividend Payout, showing the Payout Ratio.MVBF Dividend Payout.PayoutRetained Earnings

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MVB FINANCIAL CORP

NASDAQ:MVBF (2/21/2025, 8:00:01 PM)

After market: 19.01 0 (0%)

19.01

-0.02 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners52.58%
Inst Owner Change-92.03%
Ins Owners8.27%
Ins Owner Change0%
Market Cap245.99M
Analysts80
Price Target24.48 (28.77%)
Short Float %0.66%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend0.68
Dividend Growth(5Y)34.55%
DP46.73%
Div Incr Years0
Div Non Decr Years16
Ex-Date02-28 2025-02-28 (0.17)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-34.31%
Min EPS beat(2)-52.47%
Max EPS beat(2)-16.16%
EPS beat(4)1
Avg EPS beat(4)0.37%
Min EPS beat(4)-52.47%
Max EPS beat(4)81.22%
EPS beat(8)3
Avg EPS beat(8)-1.62%
EPS beat(12)4
Avg EPS beat(12)1.14%
EPS beat(16)7
Avg EPS beat(16)13.54%
Revenue beat(2)0
Avg Revenue beat(2)-15.94%
Min Revenue beat(2)-21.68%
Max Revenue beat(2)-10.19%
Revenue beat(4)1
Avg Revenue beat(4)-9.96%
Min Revenue beat(4)-21.68%
Max Revenue beat(4)0.21%
Revenue beat(8)1
Avg Revenue beat(8)-9.95%
Revenue beat(12)2
Avg Revenue beat(12)-8.73%
Revenue beat(16)5
Avg Revenue beat(16)-4.06%
PT rev (1m)-2.7%
PT rev (3m)-2.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.33%
EPS NY rev (1m)-17.67%
EPS NY rev (3m)-19.54%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-1.36%
Revenue NY rev (1m)-2.27%
Revenue NY rev (3m)-2.14%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 13.19
P/S 1.74
P/FCF 9.11
P/OCF 8.48
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)1.53
EY8.05%
EPS(NY)1.44
Fwd EY7.58%
FCF(TTM)2.09
FCFY10.97%
OCF(TTM)2.24
OCFY11.79%
SpS10.93
BVpS23.42
TBVpS23.42
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 6.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.12%
GM N/A
FCFM 19.08%
ROA(3y)0.69%
ROA(5y)1.01%
ROE(3y)7.7%
ROE(5y)10.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.13%
PM growth 5Y-9.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.91
Debt/EBITDA N/A
Cap/Depr 47.94%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC19.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-36.25%
EPS 3Y-20.8%
EPS 5Y-5.96%
EPS Q2Q%18.03%
EPS Next Y-5.78%
EPS Next 2Y24.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.37%
Revenue growth 3Y2.85%
Revenue growth 5Y4.17%
Sales Q2Q%29.92%
Revenue Next Year5.44%
Revenue Next 2Y9.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-72.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-71.26%
OCF growth 3YN/A
OCF growth 5YN/A