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MVBF MVB Financial Corp.

Price (delayed)

$17.94

Market cap

$232.3M

P/E Ratio

11.5

Dividend/share

$0.68

EPS

$1.56

Enterprise value

-$9.07M

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, ...

Highlights
MVBF's price to earnings (P/E) is 10% lower than its last 4 quarters average of 12.5 and 2.5% lower than its 5-year quarterly average of 11.6
The debt has decreased by 10% YoY and by 2.5% from the previous quarter
The company's EPS fell by 37% YoY but it rose by 8% QoQ
MVB Financial's net income has decreased by 36% YoY but it has increased by 8% from the previous quarter

Key stats

What are the main financial stats of MVBF
Market
Shares outstanding
12.95M
Market cap
$232.3M
Enterprise value
-$9.07M
Valuations
Price to earnings (P/E)
11.5
Price to book (P/B)
0.76
Price to sales (P/S)
1.56
EV/EBIT
-0.35
EV/EBITDA
-0.3
EV/Sales
-0.06
Earnings
Revenue
$148.57M
Gross profit
$148.57M
Operating income
$26.34M
Net income
$20.09M
EBIT
$26.19M
EBITDA
$30.12M
Free cash flow
-$1.91M
Per share
EPS
$1.56
EPS diluted
$1.53
Free cash flow per share
-$0.15
Book value per share
$23.62
Revenue per share
$11.53
TBVPS
$242.72
Balance sheet
Total assets
$3.13B
Total liabilities
$2.82B
Debt
$76.55M
Equity
$305.68M
Working capital
N/A
Liquidity
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.01
Margins
EBITDA margin
20.3%
Gross margin
100%
Net margin
13.5%
Operating margin
17.7%
Efficiency
Return on assets
0.6%
Return on equity
6.7%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
17.6%
Dividend
Dividend yield
3.79%
DPS
$0.68
Payout ratio
43.6%

MVBF stock price

How has the MVB Financial stock price performed over time
Intraday
1.64%
1 week
2.57%
1 month
9.72%
1 year
-2.34%
YTD
-13.33%
QTD
3.58%

Financial performance

How have MVB Financial's revenue and profit performed over time
Revenue
$148.57M
Gross profit
$148.57M
Operating income
$26.34M
Net income
$20.09M
Gross margin
100%
Net margin
13.5%
The net margin has decreased by 38% YoY but it has increased by 2.3% from the previous quarter
MVB Financial's net income has decreased by 36% YoY but it has increased by 8% from the previous quarter
MVB Financial's operating income has increased by 12% from the previous quarter but it has decreased by 3.5% YoY
MVB Financial's revenue has increased by 6% from the previous quarter and by 2.5% YoY

Price vs fundamentals

How does MVBF's price correlate with its fundamentals

Growth

What is MVB Financial's growth rate over time

Valuation

What is MVB Financial stock price valuation
P/E
11.5
P/B
0.76
P/S
1.56
EV/EBIT
-0.35
EV/EBITDA
-0.3
EV/Sales
-0.06
The company's EPS fell by 37% YoY but it rose by 8% QoQ
MVBF's price to earnings (P/E) is 10% lower than its last 4 quarters average of 12.5 and 2.5% lower than its 5-year quarterly average of 11.6
The P/B is 38% lower than the 5-year quarterly average of 1.2 and 17% lower than the last 4 quarters average of 0.9
MVBF's equity is up by 6% YoY
MVBF's P/S is 33% below its 5-year quarterly average of 2.3 and 15% below its last 4 quarters average of 1.8
MVB Financial's revenue has increased by 6% from the previous quarter and by 2.5% YoY

Efficiency

How efficient is MVB Financial business performance
MVBF's return on equity is down by 41% year-on-year but it is up by 6% since the previous quarter
The company's return on sales fell by 35% YoY and by 6% QoQ
MVBF's ROA is down by 33% YoY but it is up by 20% QoQ
MVB Financial's return on invested capital has decreased by 31% YoY

Dividends

What is MVBF's dividend history
DPS
$0.68
Dividend yield
3.79%
Payout ratio
43.6%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did MVB Financial financials performed over time
The total assets is 11% greater than the total liabilities
MVBF's total liabilities is down by 9% since the previous quarter and by 7% year-on-year
The total assets has declined by 8% since the previous quarter and by 6% year-on-year
The debt is 75% less than the equity
The debt to equity has declined by 14% year-on-year and by 3.8% since the previous quarter
The debt has decreased by 10% YoY and by 2.5% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.