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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.26
MVBF's Cash-to-Debt is ranked lower than
84% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. MVBF: 0.26 )
Ranked among companies with meaningful Cash-to-Debt only.
MVBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.19  Med: 0.37 Max: 13.51
Current: 0.26
0.19
13.51
Equity-to-Asset 0.10
MVBF's Equity-to-Asset is ranked higher than
52% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MVBF: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
MVBF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.1
0.07
0.12
Interest Coverage 1.18
MVBF's Interest Coverage is ranked lower than
58% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. MVBF: 1.18 )
Ranked among companies with meaningful Interest Coverage only.
MVBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.18  Med: 0.66 Max: 1.2
Current: 1.18
0.18
1.2
Beneish M-Score: -2.41
WACC vs ROIC
4.67%
3.24%
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 % 15.11
MVBF's Operating Margin % is ranked lower than
82% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. MVBF: 15.11 )
Ranked among companies with meaningful Operating Margin % only.
MVBF' s Operating Margin % Range Over the Past 10 Years
Min: 3.65  Med: 16.21 Max: 23.27
Current: 15.11
3.65
23.27
Net Margin % 14.80
MVBF's Net Margin % is ranked lower than
72% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. MVBF: 14.80 )
Ranked among companies with meaningful Net Margin % only.
MVBF' s Net Margin % Range Over the Past 10 Years
Min: 3.83  Med: 13.89 Max: 16.86
Current: 14.8
3.83
16.86
ROE % 9.40
MVBF's ROE % is ranked higher than
60% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. MVBF: 9.40 )
Ranked among companies with meaningful ROE % only.
MVBF' s ROE % Range Over the Past 10 Years
Min: 1.72  Med: 5.63 Max: 9.4
Current: 9.4
1.72
9.4
ROA % 0.90
MVBF's ROA % is ranked higher than
53% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MVBF: 0.90 )
Ranked among companies with meaningful ROA % only.
MVBF' s ROA % Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 0.92
Current: 0.9
0.2
0.92
3-Year Revenue Growth Rate 6.00
MVBF's 3-Year Revenue Growth Rate is ranked higher than
62% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. MVBF: 6.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MVBF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.3  Med: 18.1 Max: 79.5
Current: 6
1.3
79.5
3-Year EBITDA Growth Rate 24.80
MVBF's 3-Year EBITDA Growth Rate is ranked higher than
85% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. MVBF: 24.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MVBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -29.9  Med: 12.55 Max: 34.2
Current: 24.8
-29.9
34.2
3-Year EPS without NRI Growth Rate 17.30
MVBF's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. MVBF: 17.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MVBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -21.7  Med: -3.1 Max: 33.4
Current: 17.3
-21.7
33.4
GuruFocus has detected 6 Warning Signs with MVB Financial Corp $MVBF.
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» MVBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» 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-

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:BOCH, NAS:BKSC, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
MVB Financial Corp is a financial holding company. Its businesses are community banking, mortgage banking, insurance services, and wealth management. Its products & services are checking accounts, NOW accounts, and money market and savings accounts.

MVB Financial Corp was formed on May 29, 2003 and became a bank holding company under the laws of West Virginia on January 1, 2004, and, effective December 19, 2012, became 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 and insurance services. 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 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's business activities include four segments: commercial and retail banking, mortgage banking, financial holding company 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. The Company's is subject to federal and state regulation and supervision, which vests a significant amount of discretion in the various regulatory authorities.

Ratios

vs
industry
vs
history
PE Ratio 9.98
MVBF's PE Ratio is ranked higher than
70% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. MVBF: 9.98 )
Ranked among companies with meaningful PE Ratio only.
MVBF' s PE Ratio Range Over the Past 10 Years
Min: 9.81  Med: 25.87 Max: 65.22
Current: 9.98
9.81
65.22
PE Ratio without NRI 13.99
MVBF's PE Ratio without NRI is ranked higher than
52% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. MVBF: 13.99 )
Ranked among companies with meaningful PE Ratio without NRI only.
MVBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.8  Med: 23.62 Max: 50
Current: 13.99
13.8
50
Price-to-Owner-Earnings 9.85
MVBF's Price-to-Owner-Earnings is ranked higher than
67% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. MVBF: 9.85 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MVBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.72  Med: 39.16 Max: 170.73
Current: 9.85
9.72
170.73
PB Ratio 1.00
MVBF's PB Ratio is ranked higher than
62% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MVBF: 1.00 )
Ranked among companies with meaningful PB Ratio only.
MVBF' s PB Ratio Range Over the Past 10 Years
Min: 0.82  Med: 1.2 Max: 1.81
Current: 1
0.82
1.81
PS Ratio 1.51
MVBF's PS Ratio is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. MVBF: 1.51 )
Ranked among companies with meaningful PS Ratio only.
MVBF' s PS Ratio Range Over the Past 10 Years
Min: 1.22  Med: 2.12 Max: 16.98
Current: 1.51
1.22
16.98
Price-to-Free-Cash-Flow 5.33
MVBF's Price-to-Free-Cash-Flow is ranked higher than
70% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. MVBF: 5.33 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MVBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.67  Med: 8.46 Max: 92.47
Current: 5.33
2.67
92.47
Price-to-Operating-Cash-Flow 4.99
MVBF's Price-to-Operating-Cash-Flow is ranked higher than
70% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. MVBF: 4.99 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MVBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.5  Med: 8.63 Max: 555.56
Current: 4.99
2.5
555.56
EV-to-EBIT 18.02
MVBF's EV-to-EBIT is ranked lower than
72% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. MVBF: 18.02 )
Ranked among companies with meaningful EV-to-EBIT only.
MVBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.8  Med: 32.3 Max: 116.3
Current: 18.02
-12.8
116.3
EV-to-EBITDA 14.32
MVBF's EV-to-EBITDA is ranked lower than
67% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. MVBF: 14.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
MVBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.8  Med: 25.5 Max: 71.5
Current: 14.32
-12.8
71.5
PEG Ratio 3.50
MVBF's PEG Ratio is ranked lower than
76% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. MVBF: 3.50 )
Ranked among companies with meaningful PEG Ratio only.
MVBF' s PEG Ratio Range Over the Past 10 Years
Min: 0.63  Med: 4.63 Max: 24.65
Current: 3.5
0.63
24.65
Shiller PE Ratio 19.59
MVBF's Shiller PE Ratio is ranked higher than
53% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. MVBF: 19.59 )
Ranked among companies with meaningful Shiller PE Ratio only.
MVBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 18.07  Med: 27.25 Max: 33.02
Current: 19.59
18.07
33.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.66
MVBF's Dividend Yield % is ranked lower than
94% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. MVBF: 0.66 )
Ranked among companies with meaningful Dividend Yield % only.
MVBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 0.56 Max: 0.97
Current: 0.66
0.18
0.97
Dividend Payout Ratio 0.09
MVBF's Dividend Payout Ratio is ranked higher than
95% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MVBF: 0.09 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MVBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.09 Max: 0.28
Current: 0.09
0.04
0.28
3-Year Dividend Growth Rate 26.00
MVBF's 3-Year Dividend Growth Rate is ranked higher than
83% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MVBF: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MVBF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 31.7
Current: 26
0
31.7
Forward Dividend Yield % 0.66
MVBF's Forward Dividend Yield % is ranked lower than
96% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. MVBF: 0.66 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.45
MVBF's 5-Year Yield-on-Cost % is ranked lower than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. MVBF: 1.45 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MVBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 1.23 Max: 2.14
Current: 1.45
0.4
2.14
3-Year Average Share Buyback Ratio -9.30
MVBF's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. MVBF: -9.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MVBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -29.7  Med: -11.9 Max: -3
Current: -9.3
-29.7
-3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.16
MVBF's Price-to-Tangible-Book is ranked higher than
55% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MVBF: 1.16 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MVBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.15  Med: 1.17 Max: 1.87
Current: 1.16
1.15
1.87
Price-to-Intrinsic-Value-Projected-FCF 1.32
MVBF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MVBF: 1.32 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MVBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.31  Med: 1.84 Max: 3.57
Current: 1.32
1.31
3.57
Price-to-Median-PS-Value 0.68
MVBF's Price-to-Median-PS-Value is ranked higher than
93% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MVBF: 0.68 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MVBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.68  Med: 1.09 Max: 6.91
Current: 0.68
0.68
6.91
Price-to-Graham-Number 0.84
MVBF's Price-to-Graham-Number is ranked higher than
57% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MVBF: 0.84 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MVBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.77  Med: 1.08 Max: 1.91
Current: 0.84
0.77
1.91
Earnings Yield (Greenblatt) % 5.55
MVBF's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. MVBF: 5.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MVBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 2.9 Max: 59.4
Current: 5.55
0.9
59.4
Forward Rate of Return (Yacktman) % -5.40
MVBF's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. MVBF: -5.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MVBF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -19.3  Med: -5.4 Max: 26.3
Current: -5.4
-19.3
26.3

More Statistics

Revenue (TTM) (Mil) $87.26
EPS (TTM) $ 1.29
Beta0.34
Short Percentage of Float0.00%
52-Week Range $11.90 - 14.00
Shares Outstanding (Mil)10.00
» More Articles for MVBF

Headlines

Articles On GuruFocus.com
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More From Other Websites
MVB Financial Corp. Announces Extension of Rights Offering Mar 27 2017
MVB FINANCIAL CORP Files SEC form 8-K, Other Events Mar 27 2017
MVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 23 2017
MVB Financial Corp. :MVBF-US: Earnings Analysis: Q4, 2016 By the Numbers : March 23, 2017 Mar 23 2017
MVB FINANCIAL CORP Financials Mar 16 2017
MVB FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Mar 13 2017
MVB Financial Reports Increased Net Income for Full Year 2016 Mar 10 2017
MVB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Mar 10 2017
MVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Feb 24 2017
MVB Financial Corp. declares First Quarter Dividend for 2017 Feb 24 2017
MVB Announces Plan to Conduct Rights Offering in First Quarter of 2017 Feb 10 2017
MVB FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 10 2017
MVB Financial Corp. : MVBF-US: Dividend Analysis : December 01st, 2016 (record date) : By the... Jan 23 2017
MVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to... Jan 18 2017
MVB FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 05 2017
MVB Financial Corp. Announces SBLF Preferred Stock Redemption Jan 05 2017
MVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Dec 30 2016
MVB Financial Corp. Completes $22 Million Private Placement of Common Stock Dec 06 2016
MVB FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Unregistered Sale... Dec 06 2016
MVB Financial Corp. declares Fourth Quarter Dividend for 2016 Nov 16 2016

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