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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 0.23
MVBF's Cash to Debt is ranked lower than
84% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. MVBF: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
MVBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.81 Max: N/A
Current: 0.23
Equity to Asset 0.08
MVBF's Equity to Asset is ranked lower than
71% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MVBF: 0.08 )
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: 0.08
0.07
0.14
Interest Coverage 0.93
MVBF's Interest Coverage is ranked lower than
64% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. MVBF: 0.93 )
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: 1.18
Current: 0.93
0.18
1.18
F-Score: 6
M-Score: -2.44
WACC vs ROIC
4.71%
2.49%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.01
MVBF's Operating margin (%) is ranked lower than
84% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. MVBF: 12.01 )
Ranked among companies with meaningful Operating margin (%) only.
MVBF' s Operating margin (%) Range Over the Past 10 Years
Min: -230.98  Med: 12.33 Max: 23.27
Current: 12.01
-230.98
23.27
Net-margin (%) 8.57
MVBF's Net-margin (%) is ranked lower than
85% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. MVBF: 8.57 )
Ranked among companies with meaningful Net-margin (%) only.
MVBF' s Net-margin (%) Range Over the Past 10 Years
Min: 3.83  Med: 13.99 Max: 58.09
Current: 8.57
3.83
58.09
ROE (%) 5.16
MVBF's ROE (%) is ranked lower than
74% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. MVBF: 5.16 )
Ranked among companies with meaningful ROE (%) only.
MVBF' s ROE (%) Range Over the Past 10 Years
Min: 1.72  Med: 5.44 Max: 7.73
Current: 5.16
1.72
7.73
ROA (%) 0.50
MVBF's ROA (%) is ranked lower than
72% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MVBF: 0.50 )
Ranked among companies with meaningful ROA (%) only.
MVBF' s ROA (%) Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 0.66
Current: 0.5
0.2
0.66
Revenue Growth (3Y)(%) 10.40
MVBF's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 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)(%) -8.80
MVBF's EBITDA Growth (3Y)(%) is ranked lower than
83% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MVBF: -8.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MVBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.9  Med: 3.80 Max: 34.2
Current: -8.8
-29.9
34.2
EPS Growth (3Y)(%) -5.50
MVBF's EPS Growth (3Y)(%) is ranked lower than
79% of the 1211 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: -4.30 Max: 33.4
Current: -5.5
-28.6
33.4
» 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
Compare:NAS:TCFC, NAS:NBN, NAS:NWFL, NAS:INBK, NAS:AUBN, NAS:UNTY, OTCPK:FRAF, NAS:CIVB, NAS:OSHC, OTCPK:MNAT, NAS:FCCO, NAS:ASBB, AMEX:EVBN, OTCPK:CWBB, NAS:SOCB, NAS:CIZN, NAS:FCCY, NAS:ISTR, NAS:EVBS, NAS:UBFO » 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) 17.98
MVBF's P/E(ttm) is ranked lower than
73% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. MVBF: 17.98 )
Ranked among companies with meaningful P/E(ttm) only.
MVBF' s P/E(ttm) Range Over the Past 10 Years
Min: 10  Med: 22.67 Max: 65.22
Current: 17.98
10
65.22
PE(NRI) 17.98
MVBF's PE(NRI) is ranked lower than
72% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. MVBF: 17.98 )
Ranked among companies with meaningful PE(NRI) only.
MVBF' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 21.79 Max: 65.22
Current: 17.98
9.89
65.22
Price/Owner Earnings (ttm) 24.95
MVBF's Price/Owner Earnings (ttm) is ranked lower than
86% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. MVBF: 24.95 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MVBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.39  Med: 25.24 Max: 555.56
Current: 24.95
8.39
555.56
P/B 1.03
MVBF's P/B is ranked higher than
54% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. MVBF: 1.03 )
Ranked among companies with meaningful P/B only.
MVBF' s P/B Range Over the Past 10 Years
Min: 0.82  Med: 1.13 Max: 1.81
Current: 1.03
0.82
1.81
P/S 1.58
MVBF's P/S is ranked higher than
81% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. MVBF: 1.58 )
Ranked among companies with meaningful P/S only.
MVBF' s P/S Range Over the Past 10 Years
Min: 1.25  Med: 2.38 Max: 15.17
Current: 1.58
1.25
15.17
PFCF 2.98
MVBF's PFCF is ranked higher than
79% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. MVBF: 2.98 )
Ranked among companies with meaningful PFCF only.
MVBF' s PFCF Range Over the Past 10 Years
Min: 2.37  Med: 13.32 Max: 64.1
Current: 2.98
2.37
64.1
POCF 2.81
MVBF's POCF is ranked higher than
78% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. MVBF: 2.81 )
Ranked among companies with meaningful POCF only.
MVBF' s POCF Range Over the Past 10 Years
Min: 2.24  Med: 10.09 Max: 1250
Current: 2.81
2.24
1250
EV-to-EBIT 28.38
MVBF's EV-to-EBIT is ranked lower than
84% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. MVBF: 28.38 )
Ranked among companies with meaningful EV-to-EBIT only.
MVBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.4  Med: 10.00 Max: 116.3
Current: 28.38
-16.4
116.3
EV-to-EBITDA 20.91
MVBF's EV-to-EBITDA is ranked lower than
79% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. MVBF: 20.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
MVBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -17.5  Med: 7.60 Max: 71.5
Current: 20.91
-17.5
71.5
Shiller P/E 22.63
MVBF's Shiller P/E is ranked lower than
67% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. MVBF: 22.63 )
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: 22.63
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 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 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 0.14
MVBF's Dividend Payout is ranked higher than
89% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MVBF: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
MVBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.24 Max: 0.63
Current: 0.14
0.1
0.63
Dividend Growth (3y) 31.70
MVBF's Dividend Growth (3y) is ranked higher than
84% of the 733 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: 0.00 Max: 31.7
Current: 31.7
0
31.7
Forward Dividend Yield 0.62
MVBF's Forward Dividend Yield is ranked lower than
95% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 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
88% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 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
79% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -16.70 Max: -3
Current: -11.9
-29.7
-3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
MVBF's Price/Tangible Book is ranked lower than
56% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. MVBF: 1.27 )
Ranked among companies with meaningful Price/Tangible Book only.
MVBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 1.15 Max: 2.34
Current: 1.27
0.65
2.34
Price/Projected FCF 2.66
MVBF's Price/Projected FCF is ranked lower than
95% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. MVBF: 2.66 )
Ranked among companies with meaningful Price/Projected FCF only.
MVBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 1.25 Max: 4.08
Current: 2.66
0.65
4.08
Price/Median PS Value 0.66
MVBF's Price/Median PS Value is ranked higher than
90% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. MVBF: 0.66 )
Ranked among companies with meaningful Price/Median PS Value only.
MVBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.65  Med: 1.07 Max: 6.4
Current: 0.66
0.65
6.4
Price/Graham Number 1.01
MVBF's Price/Graham Number is ranked lower than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MVBF: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
MVBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 1.04 Max: 2.14
Current: 1.01
0.54
2.14
Earnings Yield (Greenblatt) (%) 3.55
MVBF's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MVBF: 3.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MVBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 3.50 Max: 59.4
Current: 3.55
0.9
59.4
Forward Rate of Return (Yacktman) (%) -15.64
MVBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. MVBF: -15.64 )
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  Med: 2.50 Max: 39.4
Current: -15.64
-21
39.4

More Statistics

Revenue (TTM) (Mil) $75.98
EPS (TTM) $ 0.72
Beta0.45
Short Percentage of Float0.00%
52-Week Range $9.50 - 15.64
Shares Outstanding (Mil)8.08
» More Articles for OTCPK:MVBF

Headlines

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MVB Financial Corp. :MVBF-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 31 2016
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