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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.12
MVBF's Cash to Debt is ranked lower than
91% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. MVBF: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
MVBF' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.91 Max: N/A
Current: 0.12
Equity to Asset 0.09
MVBF's Equity to Asset is ranked lower than
59% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MVBF: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
MVBF' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.14
Current: 0.09
0.07
0.14
Interest Coverage 0.25
MVBF's Interest Coverage is ranked lower than
90% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. MVBF: 0.25 )
Ranked among companies with meaningful Interest Coverage only.
MVBF' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.55 Max: 1.18
Current: 0.25
0.18
1.18
F-Score: 1
WACC vs ROIC
4.82%
1.78%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 8.32
MVBF's Operating margin (%) is ranked lower than
87% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. MVBF: 8.32 )
Ranked among companies with meaningful Operating margin (%) only.
MVBF' s 10-Year Operating margin (%) Range
Min: -328.96  Med: 6.84 Max: 23.27
Current: 8.32
-328.96
23.27
Net-margin (%) 6.08
MVBF's Net-margin (%) is ranked lower than
89% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. MVBF: 6.08 )
Ranked among companies with meaningful Net-margin (%) only.
MVBF' s 10-Year Net-margin (%) Range
Min: 3.83  Med: 16.74 Max: 111.84
Current: 6.08
3.83
111.84
ROE (%) 3.05
MVBF's ROE (%) is ranked lower than
83% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. MVBF: 3.05 )
Ranked among companies with meaningful ROE (%) only.
MVBF' s 10-Year ROE (%) Range
Min: 1.72  Med: 5.31 Max: 12.69
Current: 3.05
1.72
12.69
ROA (%) 0.35
MVBF's ROA (%) is ranked lower than
79% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MVBF: 0.35 )
Ranked among companies with meaningful ROA (%) only.
MVBF' s 10-Year ROA (%) Range
Min: 0.2  Med: 0.57 Max: 1.05
Current: 0.35
0.2
1.05
Revenue Growth (3Y)(%) 18.30
MVBF's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MVBF: 18.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MVBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 1.2  Med: 18.30 Max: 80
Current: 18.3
1.2
80
EBITDA Growth (3Y)(%) -29.70
MVBF's EBITDA Growth (3Y)(%) is ranked lower than
94% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MVBF: -29.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MVBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.7  Med: 5.65 Max: 14.8
Current: -29.7
-29.7
14.8
EPS Growth (3Y)(%) -28.80
MVBF's EPS Growth (3Y)(%) is ranked lower than
92% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. MVBF: -28.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MVBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.8  Med: -2.40 Max: 32.9
Current: -28.8
-28.8
32.9
» MVBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Preferred stocks of MVB Financial Corp

SymbolPriceYieldDescription
MVBFP0.000.006 % Conv Non-Cum Perp Pfd Shs Series -B-
MVBFO0.000.006 1/2 % Conv Non-Cum Perp Pfd Shs Series -C-

Ratios

vs
industry
vs
history
P/E(ttm) 36.78
MVBF's P/E(ttm) is ranked lower than
92% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. MVBF: 36.78 )
Ranked among companies with meaningful P/E(ttm) only.
MVBF' s 10-Year P/E(ttm) Range
Min: 15.04  Med: 31.32 Max: 65.5
Current: 36.78
15.04
65.5
PE(NRI) 38.60
MVBF's PE(NRI) is ranked lower than
92% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. MVBF: 38.60 )
Ranked among companies with meaningful PE(NRI) only.
MVBF' s 10-Year PE(NRI) Range
Min: 15.03  Med: 32.13 Max: 65.22
Current: 38.6
15.03
65.22
P/B 1.27
MVBF's P/B is ranked lower than
66% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. MVBF: 1.27 )
Ranked among companies with meaningful P/B only.
MVBF' s 10-Year P/B Range
Min: 0.92  Med: 1.28 Max: 1.81
Current: 1.27
0.92
1.81
P/S 2.00
MVBF's P/S is ranked higher than
73% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. MVBF: 2.00 )
Ranked among companies with meaningful P/S only.
MVBF' s 10-Year P/S Range
Min: 1.72  Med: 2.38 Max: 18.18
Current: 2
1.72
18.18
EV-to-EBIT 60.04
MVBF's EV-to-EBIT is ranked lower than
93% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. MVBF: 60.04 )
Ranked among companies with meaningful EV-to-EBIT only.
MVBF' s 10-Year EV-to-EBIT Range
Min: -21.9  Med: 38.25 Max: 116.9
Current: 60.04
-21.9
116.9
Shiller P/E 24.18
MVBF's Shiller P/E is ranked lower than
78% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. MVBF: 24.18 )
Ranked among companies with meaningful Shiller P/E only.
MVBF' s 10-Year Shiller P/E Range
Min: 17.39  Med: 25.23 Max: 32.56
Current: 24.18
17.39
32.56
Days Sales Outstanding 126.68
MVBF's Days Sales Outstanding is ranked lower than
81% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. MVBF: 126.68 )
Ranked among companies with meaningful Days Sales Outstanding only.
MVBF' s 10-Year Days Sales Outstanding Range
Min: 120.94  Med: 404.57 Max: 2145.26
Current: 126.68
120.94
2145.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.52
MVBF's Dividend Yield is ranked lower than
96% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. MVBF: 0.52 )
Ranked among companies with meaningful Dividend Yield only.
MVBF' s 10-Year Dividend Yield Range
Min: 0.18  Med: 0.50 Max: 0.63
Current: 0.52
0.18
0.63
Dividend Payout 0.20
MVBF's Dividend Payout is ranked higher than
75% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MVBF: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
MVBF' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.31 Max: 0.61
Current: 0.2
0.11
0.61
Dividend growth (3y) 17.00
MVBF's Dividend growth (3y) is ranked higher than
71% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MVBF: 17.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
MVBF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 17
Current: 17
0
17
Yield on cost (5-Year) 0.63
MVBF's Yield on cost (5-Year) is ranked lower than
94% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. MVBF: 0.63 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MVBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.22  Med: 0.61 Max: 0.76
Current: 0.63
0.22
0.76
Share Buyback Rate -22.70
MVBF's Share Buyback Rate is ranked lower than
89% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MVBF: -22.70 )
Ranked among companies with meaningful Share Buyback Rate only.
MVBF' s 10-Year Share Buyback Rate Range
Min: -2.5  Med: -17.20 Max: -28.7
Current: -22.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.56
MVBF's Price/Tangible Book is ranked lower than
72% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MVBF: 1.56 )
Ranked among companies with meaningful Price/Tangible Book only.
MVBF' s 10-Year Price/Tangible Book Range
Min: 0.96  Med: 1.23 Max: 2.34
Current: 1.56
0.96
2.34
Price/Median PS Value 0.83
MVBF's Price/Median PS Value is ranked higher than
80% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. MVBF: 0.83 )
Ranked among companies with meaningful Price/Median PS Value only.
MVBF' s 10-Year Price/Median PS Value Range
Min: 0.74  Med: 1.00 Max: 6.92
Current: 0.83
0.74
6.92
Price/Graham Number 1.34
MVBF's Price/Graham Number is ranked lower than
86% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. MVBF: 1.34 )
Ranked among companies with meaningful Price/Graham Number only.
MVBF' s 10-Year Price/Graham Number Range
Min: 0.84  Med: 1.31 Max: 1.83
Current: 1.34
0.84
1.83
Earnings Yield (Greenblatt) (%) 1.70
MVBF's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MVBF: 1.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MVBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 2.50 Max: 59.4
Current: 1.7
0.9
59.4
Forward Rate of Return (Yacktman) (%) -22.91
MVBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. MVBF: -22.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MVBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -24.6  Med: -1.00 Max: 13.1
Current: -22.91
-24.6
13.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
MVB Financial Corp., was formed on January 1, 2004. It is a financial holding company. The Company features multiple subsidiaries and affiliated businesses, including MVB Bank, Inc. "Bank" and its wholly-owned subsidiary MVB Mortgage and MVB Insurance, LLC "MVB Insurance". The Company's primary business activities, through its subsidiaries, are currently community banking, mortgage banking, insurance services, and wealth management. As a community banking entity, the Bank offers the products to its customers through various delivery channels. Such products and services include checking accounts, NOW accounts, money market and savings accounts, time certificates of deposit, commercial, installment, commercial real estate and residential real estate mortgage loans, debit cards, and safe deposit rental facilities. It provides services through its walk-in offices, automated teller machines, drive-in facilities, and internet and telephone banking. The Bank offers non-deposit investment products through an association with a broker-dealer, and also offers correspondent lending services to assist other community banks in offering longer term fixed rate loan products that may be sold into the secondary market. Currently, the Bank operates nine full-service banking branches in West Virginia, which are located in Marion County; Harrison County; Jefferson County; Berkeley County; and Monongalia County. The Company operates in three business activities; commercial and retail banking services; mortgage banking services; and insurance services. Its market areas are the Marion, Harrison, Jefferson, Berkeley, Monongalia, and Kanawha counties of West Virginia, as well as the northern Virginia area for the mortgage and commercial lending business. The Company competes with commercial banks, savings associations, insurance companies, governmental agencies, credit unions, brokerage firms and pension funds.
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