# MVB Financial Corp. (MVBF) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $31.23, market value $404 million.

## Valuation
- **P/E (trailing): 10.6×** (5-yr avg 12.5×, 3-yr avg 11.3×). MVB Financial Corp. trades at 10.6× trailing earnings, close to its own five-year average of 12.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.4×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.36**. A PEG of 0.36 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 118.9×**. Each dollar of revenue is priced at 118.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -9.3%** (5-yr avg 5.8%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 9.5%**. The inverse of the P/E: 9.5% of the price is earned each year.

## Profitability
- **Return on equity: 8.1%**. 8.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 34.6%** (3-yr 20.8%/yr, 5-yr -7.6%/yr). Earnings per share rose 34.6%.
- **Free-cash-flow growth (3 yr): -21.2%/yr**. Free cash flow has compounded at -21.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $244 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.18%** ($0.68 per share, trailing). MVB Financial Corp. yields 2.18%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 32%**. 32% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 13.6%/yr** (1-yr 0.0%). The dividend has compounded at 13.6% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: buy** (2 analysts). 2 analysts cover MVB Financial Corp.; the consensus is buy, with an average price target of $34.00 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 31.3%** (YTD 22.4%, 3-mo 12.1%). The shares are up 31.3% over twelve months including dividends.
- **From 52-week high: -2.4%** (32.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.39** (volatility 26%). Beta of 0.39 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MVBF · Page: https://foliofundamentals.com/stocks/mvbf

Not investment advice.