MVBF · Mvb Financial Corp
Market Cap
$394.60M
Shares
12.97M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$30.43
Open$30.15
Day$30.15–30.86
52W close$23.77–30.95
Avg vol 30d53K
Short int274K · 2.1% float · 6.0d
Short vol73%
Last earningsJul 28, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
+3%
above
RSI (14)
55
neutral
MACD trend
Negative
52-week position
93%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+19%
trailing
YTD return
+18%
this year
Relative strength
+6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $30 › 200d $27 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +10 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.11% of float · ▼ -0.3% MoM · 6.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
109 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
Revenue growth
+52%
Y/Y
EPS growth
+35%
Y/Y
Free cash flow
$2.1M
Valuation
P/E 10.3
below peers
Buyback
$10.0M
authorized
Balance sheet
$199.0M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
2.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Oct 29, 2025
Earnings per share
· annualized
$0.30 – $0.35
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
55
Neutral
MACD trend
Negative
Bearish
52-week position
93%
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $30 › 200d $27 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +10 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.11% of float · ▼ -0.3% MoM · 6.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
109 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $30 · 93%
Range high $31
vs 200-day avg +11%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average interest-bearing deposits | 1.98B | the three months ended June 30, 2026 filing | — |
| Average total earning assets | 3.13B | the three months ended June 30, 2026 filing | — |
| Average total loans | 2.44B | the three months ended June 30, 2026 filing | — |
| Cost of interest-bearing liabilities | 3.2% | the three months ended June 30, 2026 filing | — |
| Net interest margin on a tax-equivalent basis | 4.16% | the three months ended June 30, 2026 filing | — |
| Provision for credit losses | $4.7M | the three months ended June 30, 2026 filing | — |
| Yield on taxable securities | 146 | the three months ended June 30, 2026 filing | — |
| Adjusted net interest margin on a fully tax-equivalent basis non-GAAP | 3.8% | Six Months Ended June 30, 2026 | — |
| Classified loans as a percentage of total loans | 1.9% | Q2 2026 | — |
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| Community Bank Leverage Ratio | 10.3% | Q2 2026 | — |
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| Core FTE net interest margin non-GAAP | 3.87% | Q2 2026 | — |
| Criticized loans as a percentage of total loans | 3.1% | Q2 2026 | — |
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| Efficiency ratio | 66.7% | Six Months Ended June 30, 2026 | — |
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| FTE net interest income non-GAAP | 32.4M | Q2 2026 | — |
| FTE net interest margin non-GAAP | 4.16% | Q2 2026 | — |
| Loan-to-deposit ratio | 79.6% | Q2 2026 | — |
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| Loans closed | $1.86B | Six Months Ended June 30, 2026 | — |
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| Loans originated | $2.9B | Six Months Ended June 30, 2026 | — |
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| Loans sold | $1.57B | Six Months Ended June 30, 2026 | — |
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| Mortgage pipeline | $1.24B | Six Months Ended June 30, 2026 | — |
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| MVB Bank's Total Risk-Based Capital Ratio | 13.2% | Q2 2026 | — |
| Net charge-offs as a percentage of total loans (annualized) | 0.23% | Q2 2026 | — |
| Net interest margin | 4.14% | Three Months Ended June 30, 2026 | — |
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| Net interest margin on a fully tax-equivalent basis non-GAAP | 3.94% | Six Months Ended June 30, 2026 | — |
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| Noninterest-bearing deposits as a percentage of total deposits | 34.4% | Q2 2026 | — |
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| Nonperforming loans | 29.2M | Q2 2026 | — |
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| Nonperforming loans as a percentage of total loans | 1.2% | Q2 2026 | — |
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| Tangible book value per common share non-GAAP | $26.52 | Q2 2026 | — |
| Tangible common equity ratio non-GAAP | 9.7% | Q2 2026 | — |
| Tier 1 Risk-Based Capital Ratio | 12.2% | Q2 2026 | — |
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| Total deposits | 3.11B | Q2 2026 | — |
| Total loan balances | 2.48B | Q2 2026 | — |
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| Allowance for credit losses for loans as a percentage of total loans | 0.94% | First Quarter 2026 | — |
| Equity to assets | 10.1% | First Quarter 2026 | — |
| Net charge-offs (annualized % of loans) | 0.26% | First Quarter 2026 | — |
| Net interest income on a fully tax-equivalent basis non-GAAP | $28.57M | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 28.45M
+121K Impact of fully tax-equivalent adjustment
= Net interest income on a fully tax-equivalent basis 28.57M
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| Overhead ratio | 3.3% | First Quarter 2026 | — |
| Pre-tax, pre-provision earnings | $8.5M | First Quarter 2026 | — |
| Return on average assets | 0.6% | First Quarter 2026 | — |
| Return on average equity | 6.1% | First Quarter 2026 | — |
| Tangible common equity non-GAAP | $333.72M | March 31, 2026 | — |
| Total cost of funds | 2.17% | First Quarter 2026 | — |
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| Total Risk-Based Capital Ratio | 13.5% | First Quarter 2026 | — |
| Allowance for credit losses as a percentage of total loans | 0.93% | December 31, 2025 | — |
| Net charge-offs annualized of total loans | 0.68% | Fourth Quarter 2025 | — |
| NIB deposits as a percentage of total deposits | 40.3% | December 31, 2025 | — |
| Yield on average earning assets | 5.94% | Fourth Quarter 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MVBF
this stock
Mvb Financial Corp
|
$394.60M | +17.8% | +51.9% | 10.3 | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$129.26B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.56B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.22B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MVBF | -0.2% | -0.7% | +19.4% | -0.7% | +17.8% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.7% | -3.7% | +6.0% | -3.7% | +5.0% |
Capital returns
Latest dividend
$0.17
/ share · ex Jun 1, 2026
Declared · upcoming
$0.17
/ share · ex Sep 1, 2026
Paid (TTM)
$0.51
/ share · 3 payouts
Dividend yield (TTM, derived)
1.68%
Buyback program
· as of Oct 1, 2025
Authorized
$10.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1277902
CUSIP
553810102
13F (30d)
90 filings
89 filers
Visit website
Investor relations