MVBF · Mvb Financial Corp
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 28, 2026TL;DR. MVB reported $12.3 million of net income as loans rose 3.0%, deposits increased 7.4%, and FTE net interest margin expanded 43 basis points; core FTE margin rose 14 basis points to 3.87%. Credit quality improved with the full repayment of its largest nonperforming loan, but provision expense increased to $4.7 million and expenses rose 8.2%, while management expects third-quarter noninterest revenue to be seasonally softer.
- + Net income increased to $12.3 million, or $0.93 per diluted share.
- + Loans increased 3.0% and deposits increased 7.4% sequentially.
- + Payment card and service charge income increased 18.1% sequentially.
- − Provision expense increased to $4.7 million, and the allowance for credit losses rose to 1.14% of total loans.
- − Noninterest expense increased 8.2% to $30.4 million.
- − Management expects third-quarter noninterest revenue to be seasonally softer than the second quarter.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative 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 |
|---|---|---|---|
| Allowance for credit losses to total loans non-GAAP | 1.14% | the three months ended June 30, 2026 filing | — |
| Average interest-bearing deposits | 1.98B | the three months ended June 30, 2026 filing | — |
| Average noninterest-bearing deposits | 1.03B | the three months ended June 30, 2026 filing | — |
| Community Bank Leverage Ratio non-GAAP | 10.3% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio non-GAAP | 59.5% | the three months ended June 30, 2026 filing | — |
| Equity to assets non-GAAP | 9.7% | the three months ended June 30, 2026 filing | — |
| Net interest income on a fully tax-equivalent basis non-GAAP | 32.39M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 32.27M
+119K Impact of fully tax-equivalent adjustment
= Net interest income on a fully tax-equivalent basis 32.39M
|
|||
| Net interest margin | 4.14% | the three months ended June 30, 2026 filing | — |
| Net interest margin on a fully tax-equivalent basis non-GAAP | 4.16% | the three months ended June 30, 2026 filing | — |
| Nonperforming loans non-GAAP | 29.23M | the three months ended June 30, 2026 filing | — |
| Nonperforming loans to total loans non-GAAP | 1.2% | the three months ended June 30, 2026 filing | — |
| Overhead ratio non-GAAP | 3.5% | the three months ended June 30, 2026 filing | — |
| Personnel costs as a percentage of noninterest expense | 58% | the three months ended June 30, 2026 filing | — |
| Return on average assets non-GAAP | 1.4% | the three months ended June 30, 2026 filing | — |
| Return on average stockholders' equity non-GAAP | 14.3% | the three months ended June 30, 2026 filing | — |
| Tangible book value per common share non-GAAP | $26.52 | the three months ended June 30, 2026 filing | — |
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
|
$377.48M | +13.5% | +51.9% | 9.8 | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$121.57B | +37.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.52B | -36.8% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$107.26B | +0.3% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$106.91B | +35.5% | — | — | 0.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MVBF | +0.9% | -3.7% | +13.6% | +0.9% | +13.5% |
| SPY | -1.2% | -0.6% | +8.1% | +0.8% | +12.8% |
| vs SPY | +2.1% | -3.1% | +5.5% | +0.1% | +0.8% |
Capital returns
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.