MVB Financial Corp (MVBF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, MVB Financial reported revenue of $167.7M, up 10.2% from $152.1M the year before. Net income was $4.2M (a 2.5% net margin), or $2.06 per diluted share. Net interest income was $107.4M, and the efficiency ratio (noninterest expense / revenue) was 72.8%. Operating activities generated $4.0M of cash, leaving $2.1M of free cash flow. At fiscal year end, MVB Financial held $3.31B in total assets against $2.97B in total liabilities, including $244.1M of cash and equivalents.
Open the full interactive MVB Financial financials → Quarterly statements, key ratios, valuation history and price charts.
MVB Financial Key Stats
| Share Price | $29.06 |
|---|---|
| Market Cap | $383.2M |
| P/E Ratio | 14.1 |
| Revenue YoY Growth | +10.2% |
| 52-Week Range | $24.11 – $31.62 |
| Shares Outstanding | 12.9 million (basic, 2026 Q2) |
MVB Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $68.8M | $77.2M | $111.8M | $123.3M | $109.2M | $107.4M |
| Provision for Credit Losses | $16.5M | -$6.3M | $14.2M | -$1.9M | $3.5M | $8.7M |
| Noninterest Income | $91.8M | $62.6M | $38.3M | $19.7M | $42.9M | $60.3M |
| Noninterest Expense | $97.1M | $97.5M | $117.4M | $117.6M | $122.2M | $122.1M |
| Revenue | $160.7M | $139.8M | $150.1M | $143.0M | $152.1M | $167.7M |
| Pre-Tax Income | $46.9M | $48.6M | $18.5M | $27.3M | $26.3M | $36.9M |
| Income Tax | $9.5M | $9.9M | $4.1M | $5.1M | $6.1M | $9.9M |
| Net Income | $37.4M | $39.1M | $15.0M | $31.2M | $9.4M | $4.2M |
| Diluted EPS | $3.06 | $3.10 | $1.17 | $2.40 | $1.53 | $2.06 |
MVB Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $61.2M | $39.1M | $36.7M | $51.1M |
| Net Income | $17.1M | -$18.5M | $5.2M | $12.3M |
| Diluted EPS | $1.32 | -$1.41 | $0.39 | $0.93 |
MVB Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | — | — | — | $398.2M | $317.9M | $244.1M |
| Loans (Net) | — | $1.85B | $2.35B | $2.30B | $2.08B | $2.32B |
| Total Assets | $2.33B | $2.79B | $3.07B | $3.31B | $3.13B | $3.31B |
| Total Long-Term Debt | $43.4M | $73.0M | $83.1M | $80.3M | $73.8M | $74.0M |
| Total Liabilities | $2.09B | $2.52B | $2.81B | $3.02B | $2.82B | $2.97B |
| Shareholders' Equity | $239.5M | $274.3M | $261.1M | $289.4M | $305.7M | $334.0M |
MVB Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $112.2M | $34.8M | $65.2M | $58.2M | -$285,000 | $4.0M |
| Cash From Investing | -$294.1M | -$572.0M | -$629.0M | $88.2M | $144.5M | -$208.6M |
| Cash From Financing | $417.8M | $580.7M | $296.6M | $211.5M | -$224.5M | $130.8M |
| Free Cash Flow | $105.6M | $29.9M | $62.1M | $56.3M | -$1.9M | $2.1M |
Figures from MVB Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full MVB Financial financials page for every line item.
MVB Financial Company Profile
| Ticker | MVBF |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Fairmont, West Virginia |
| Incorporated in | West Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001277902 |
Frequently Asked Questions
What was MVB Financial's revenue in fiscal 2025?
MVB Financial (MVBF) reported revenue of $167.7M for fiscal 2025.
What is MVB Financial's annual revenue history?
MVB Financial's annual revenue by fiscal year: 2020: $160.7M; 2021: $139.8M; 2022: $150.1M; 2023: $143.0M; 2024: $152.1M; 2025: $167.7M.
What was MVB Financial's net income in fiscal 2025?
MVB Financial reported net income of $4.2M for fiscal 2025.
What was MVB Financial's earnings per share (EPS) in fiscal 2025?
MVB Financial's diluted EPS was $2.06 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did MVB Financial generate in fiscal 2025?
MVB Financial generated $2.1M of free cash flow in fiscal 2025.
What was MVB Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), MVB Financial reported revenue of $51.1M.
How much debt does MVB Financial have?
MVB Financial reported $74.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of MVB Financial are outstanding?
MVB Financial reported a weighted average of 12.9 million basic shares outstanding in 2026 Q2.
What is MVB Financial's market cap?
Based on its latest closing price, MVB Financial (MVBF) has a market capitalization of about $383.2M.
When does MVB Financial's fiscal year end?
MVB Financial's fiscal year end, as registered with the SEC, is December 31.
Where is MVB Financial headquartered?
MVB Financial lists its business address in Fairmont, West Virginia in its SEC filings.