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27 (1y: +13%)
Market Cap 94.3 M P/E(ttm) 15.10
Enterprise Value 179.33 M P/B 0.90
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.363
MVBF's Cash to Debt is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MVBF: 0.363 )
MVBF' s 10-Year Cash to Debt Range
Min: 0.11   Max: 7.65
Current: 0.36
0.11
7.65
Equity to Asset 0.069
MVBF's Equity to Asset is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MVBF: 0.069 )
MVBF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.07
0.07
0.12
Interest Coverage No Debt
MVBF's Interest Coverage is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MVBF: No Debt )
MVBF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.23
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 23.30
MVBF's Operating margin (%) is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. MVBF: 23.30 )
MVBF' s 10-Year Operating margin (%) Range
Min: 11.5   Max: 23.3
Current: 23.3
11.5
23.3
Net-margin (%) 16.6
MVBF's Net-margin (%) is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MVBF: 16.6 )
MVBF' s 10-Year Net-margin (%) Range
Min: 8.7   Max: 22.8
Current: 16.6
8.7
22.8
ROE (%) 6.2
MVBF's ROE (%) is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MVBF: 6.2 )
MVBF' s 10-Year ROE (%) Range
Min: 3   Max: 12
Current: 6.2
3
12
ROA (%) 0.6
MVBF's ROA (%) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MVBF: 0.6 )
MVBF' s 10-Year ROA (%) Range
Min: 0.3   Max: 1
Current: 0.6
0.3
1
Revenue Growth (%) 13.7
MVBF's Revenue Growth (%) is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MVBF: 13.7 )
MVBF' s 10-Year Revenue Growth (%) Range
Min: -2.2   Max: 13.7
Current: 13.7
-2.2
13.7
EBITDA Growth (%) 23
MVBF's EBITDA Growth (%) is ranked higher than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. MVBF: 23 )
MVBF' s 10-Year EBITDA Growth (%) Range
Min: 3.9   Max: 78.9
Current: 23
3.9
78.9
EPS Growth (%) 20.5
MVBF's EPS Growth (%) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. MVBF: 20.5 )
MVBF' s 10-Year EPS Growth (%) Range
Min: -11.9   Max: 24.1
Current: 20.5
-11.9
24.1
ยป MVBF's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 15.10
MVBF's P/E(ttm) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MVBF: 15.10 )
MVBF' s 10-Year P/E(ttm) Range
Min: 11.35   Max: 52.42
Current: 15.1
11.35
52.42
P/B 0.90
MVBF's P/B is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MVBF: 0.90 )
MVBF' s 10-Year P/B Range
Min: 0.9   Max: 1.72
Current: 0.9
0.9
1.72
P/S 2.08
MVBF's P/S is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MVBF: 2.08 )
MVBF' s 10-Year P/S Range
Min: 2.1   Max: 5.12
Current: 2.08
2.1
5.12
PFCF 23.40
MVBF's PFCF is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MVBF: 23.40 )
MVBF' s 10-Year PFCF Range
Min: 7.94   Max: 558.33
Current: 23.4
7.94
558.33
EV-to-EBIT 31.3
MVBF's EV-to-EBIT is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. MVBF: 31.3 )
MVBF' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 153.1
Current: 31.3
0.1
153.1
PEG 0.4
MVBF's PEG is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. MVBF: 0.4 )
MVBF' s 10-Year PEG Range
Min: 0.3   Max: 0.99
Current: 0.4
0.3
0.99
Shiller P/E 23.6
MVBF's Shiller P/E is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. MVBF: 23.6 )
MVBF' s 10-Year Shiller P/E Range
Min: 17.78   Max: 32.14
Current: 23.6
17.78
32.14

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.37
MVBF's Dividend Yield is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MVBF: 0.37 )
MVBF' s 10-Year Dividend Yield Range
Min: 0.37   Max: 0.63
Current: 0.37
0.37
0.63
Dividend growth (3y) -100
MVBF's Dividend growth (3y) is ranked lower than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. MVBF: -100 )
MVBF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -100
Current: -100
Yield on cost (5-Year) 0.40
MVBF's Yield on cost (5-Year) is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. MVBF: 0.40 )
MVBF' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 0.63
Current: 0.4
0.37
0.63
Share Buyback Rate -8.1
MVBF's Share Buyback Rate is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. MVBF: -8.1 )
MVBF' s 10-Year Share Buyback Rate Range
Min: -1.9   Max: -19
Current: -8.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
MVBF's Price/Tangible Book is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MVBF: 1.2 )
MVBF' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 1.2
Current: 1.2
1.1
1.2
Price/DCF (Projected) 2
MVBF's Price/DCF (Projected) is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. MVBF: 2 )
MVBF' s 10-Year Price/DCF (Projected) Range
Min: 1.7   Max: 1.7
Current: 2
Price/Median PS Value 0.7
MVBF's Price/Median PS Value is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MVBF: 0.7 )
MVBF' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1
Current: 0.7
0.7
1
Price/Peter Lynch Fair Value 0.6
MVBF's Price/Peter Lynch Fair Value is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MVBF: 0.6 )
MVBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.9   Max: 0.9
Current: 0.6
Price/Graham Number 0.9
MVBF's Price/Graham Number is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MVBF: 0.9 )
MVBF' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.3
Current: 0.9
0.8
1.3
Earnings Yield (Greenblatt) 3.20
MVBF's Earnings Yield (Greenblatt) is ranked lower than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MVBF: 3.20 )
MVBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 1837.9
Current: 3.2
0.7
1837.9
Forward Rate of Return (Yacktman) 30.83
MVBF's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. MVBF: 30.83 )
MVBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 19.1   Max: 49.7
Current: 30.83
19.1
49.7

Business Description

MVB Financial Corp. operates as a bank holding company for MVB Bank. The bank provides commercial banking services primarily in Marion County, West Virginia. It offers a range of deposit accounts, commercial and real estate construction loans, and consumer lines of credit. It also offers debit cards and automated teller machines.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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