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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 0.21
MVBF's Cash to Debt is ranked lower than
86% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. MVBF: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
MVBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.8 Max: N/A
Current: 0.21
Equity to Asset 0.09
MVBF's Equity to Asset is ranked lower than
61% of the 1608 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.14
Current: 0.09
0.07
0.14
Interest Coverage 1.09
MVBF's Interest Coverage is ranked lower than
61% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. MVBF: 1.09 )
Ranked among companies with meaningful Interest Coverage only.
MVBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.18  Med: 0.55 Max: 1.18
Current: 1.09
0.18
1.18
F-Score: 3
M-Score: -2.22
WACC vs ROIC
4.56%
2.99%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.38
MVBF's Operating margin (%) is ranked lower than
83% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. MVBF: 13.38 )
Ranked among companies with meaningful Operating margin (%) only.
MVBF' s Operating margin (%) Range Over the Past 10 Years
Min: -230.98  Med: 15.06 Max: 23.27
Current: 13.38
-230.98
23.27
Net-margin (%) 13.63
MVBF's Net-margin (%) is ranked lower than
76% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. MVBF: 13.63 )
Ranked among companies with meaningful Net-margin (%) only.
MVBF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.84  Med: 13.92 Max: 57.74
Current: 13.63
3.84
57.74
ROE (%) 9.28
MVBF's ROE (%) is ranked higher than
56% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. MVBF: 9.28 )
Ranked among companies with meaningful ROE (%) only.
MVBF' s ROE (%) Range Over the Past 10 Years
Min: 1.72  Med: 5.44 Max: 9.28
Current: 9.28
1.72
9.28
ROA (%) 0.85
MVBF's ROA (%) is ranked lower than
53% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. MVBF: 0.85 )
Ranked among companies with meaningful ROA (%) only.
MVBF' s ROA (%) Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 0.85
Current: 0.85
0.2
0.85
Revenue Growth (3Y)(%) 10.40
MVBF's Revenue Growth (3Y)(%) is ranked higher than
76% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. MVBF: 10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MVBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.3  Med: 18.15 Max: 79.5
Current: 10.4
1.3
79.5
EBITDA Growth (3Y)(%) -3.30
MVBF's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. MVBF: -3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MVBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.9  Med: 3.9 Max: 34.2
Current: -3.3
-29.9
34.2
EPS Growth (3Y)(%) -5.50
MVBF's EPS Growth (3Y)(%) is ranked lower than
79% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MVBF: -5.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MVBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.6  Med: -4.3 Max: 33.4
Current: -5.5
-28.6
33.4
GuruFocus has detected 5 Warning Signs with MVB Financial Corp $MVBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MVBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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:MPB, OTCPK:FNCB, NAS:SAL, NAS:BKSC, NAS:FSBW, OTCPK:BKGMF, OTCPK:FOFN, NAS:AMRB, NAS:OVLY, NAS:CBFV, NAS:HBMD, OTCPK:ENBP, NAS:FSFG, NAS:SMBK, OTCPK:CHBH, OTCPK:KTYB, OTCPK:EMYB, NAS:HWBK, OTCPK:CABC, OTCPK:MNAT » 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
P/E(ttm) 10.57
MVBF's P/E(ttm) is ranked higher than
69% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. MVBF: 10.57 )
Ranked among companies with meaningful P/E(ttm) only.
MVBF' s P/E(ttm) Range Over the Past 10 Years
Min: 9.81  Med: 28.47 Max: 65.22
Current: 10.57
9.81
65.22
PE(NRI) 15.30
MVBF's PE(NRI) is ranked lower than
53% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. MVBF: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
MVBF' s PE(NRI) Range Over the Past 10 Years
Min: 13.55  Med: 27.27 Max: 65.22
Current: 15.3
13.55
65.22
Price/Owner Earnings (ttm) 11.35
MVBF's Price/Owner Earnings (ttm) is ranked higher than
62% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. MVBF: 11.35 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MVBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.53  Med: 39.43 Max: 170.73
Current: 11.35
10.53
170.73
P/B 0.97
MVBF's P/B is ranked higher than
64% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. MVBF: 0.97 )
Ranked among companies with meaningful P/B only.
MVBF' s P/B Range Over the Past 10 Years
Min: 0.82  Med: 1.2 Max: 1.81
Current: 0.97
0.82
1.81
P/S 1.50
MVBF's P/S is ranked higher than
86% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. MVBF: 1.50 )
Ranked among companies with meaningful P/S only.
MVBF' s P/S Range Over the Past 10 Years
Min: 1.26  Med: 2.18 Max: 16.98
Current: 1.5
1.26
16.98
EV-to-EBIT 21.65
MVBF's EV-to-EBIT is ranked lower than
74% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. MVBF: 21.65 )
Ranked among companies with meaningful EV-to-EBIT only.
MVBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.8  Med: 32.45 Max: 116.3
Current: 21.65
-12.8
116.3
EV-to-EBITDA 16.14
MVBF's EV-to-EBITDA is ranked lower than
66% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. MVBF: 16.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
MVBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.8  Med: 25.25 Max: 71.5
Current: 16.14
-12.8
71.5
Shiller P/E 20.27
MVBF's Shiller P/E is ranked higher than
54% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MVBF: 20.27 )
Ranked among companies with meaningful Shiller P/E only.
MVBF' s Shiller P/E Range Over the Past 10 Years
Min: 18.07  Med: 27.38 Max: 33.59
Current: 20.27
18.07
33.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.62
MVBF's Dividend Yield is ranked lower than
94% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. MVBF: 0.62 )
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: 0.62
0.18
0.97
Dividend Payout 0.10
MVBF's Dividend Payout is ranked higher than
93% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. MVBF: 0.10 )
Ranked among companies with meaningful Dividend Payout only.
MVBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.09 Max: 0.36
Current: 0.1
0.04
0.36
Dividend Growth (3y) 31.70
MVBF's Dividend Growth (3y) is ranked higher than
84% of the 728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. MVBF: 31.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MVBF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 31.7
Current: 31.7
0
31.7
Forward Dividend Yield 0.62
MVBF's Forward Dividend Yield is ranked lower than
96% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. MVBF: 0.62 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.08
MVBF's Yield on cost (5-Year) is ranked lower than
89% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. MVBF: 1.08 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MVBF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.31  Med: 0.98 Max: 1.69
Current: 1.08
0.31
1.69
3-Year Average Share Buyback Ratio -11.90
MVBF's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. MVBF: -11.90 )
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: -16.7 Max: -3
Current: -11.9
-29.7
-3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
MVBF's Price/Tangible Book is ranked higher than
55% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MVBF: 1.16 )
Ranked among companies with meaningful Price/Tangible Book only.
MVBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.97  Med: 1.27 Max: 2.34
Current: 1.16
0.97
2.34
Price/Projected FCF 10.24
MVBF's Price/Projected FCF is ranked lower than
99% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MVBF: 10.24 )
Ranked among companies with meaningful Price/Projected FCF only.
MVBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 1  Med: 1.46 Max: 10.24
Current: 10.24
1
10.24
Price/Median PS Value 0.69
MVBF's Price/Median PS Value is ranked higher than
91% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. MVBF: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
MVBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 1.08 Max: 6.97
Current: 0.69
0.66
6.97
Price/Graham Number 0.89
MVBF's Price/Graham Number is ranked higher than
55% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. MVBF: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
MVBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.22 Max: 2.14
Current: 0.89
0.84
2.14
Earnings Yield (Greenblatt) (%) 4.59
MVBF's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. MVBF: 4.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MVBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 3 Max: 59.4
Current: 4.59
0.9
59.4
Forward Rate of Return (Yacktman) (%) -12.21
MVBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
89% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. MVBF: -12.21 )
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: -21.4  Med: -8 Max: 26.3
Current: -12.21
-21.4
26.3

More Statistics

Revenue (TTM) (Mil) $88.08
EPS (TTM) $ 1.23
Beta0.29
Short Percentage of Float0.00%
52-Week Range $9.50 - 14.00
Shares Outstanding (Mil)8.08

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