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MVB FinancialMVBF -1.00%64 Debt-to-Equity is 0.16 as of Jun. 2026, which is 47% below its 10-year median of 0.30. GuruFocus rates MVBF with a GF Score™ of 64/100 and a GF Value™ of $21.59 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,419 Banks companies, MVB Financial ranks better than 82.1% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for MVB Financial's Debt-to-Equity or its related term are showing as below:
MVBF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.3 Max: 1.74
Current: 0.16
During the past 13 years, the highest Debt-to-Equity Ratio of MVB Financial was 1.74. The lowest was 0.13. And the median was 0.30.
MVBF's Debt-to-Equity is ranked better than 82.1% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs MVBF: 0.16
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
MVB Financial Debt-to-Equity Related Terms
MVB Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for MVB Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MVBF vs RVRF, NECB, FRST: Debt-to-Equity Comparison
For the Banks - Regional subindustry, MVB Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MVB Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MVB Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where MVB Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MVB Financial (MVBF) has a Debt-to-Equity of 0.16 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MVB Financial and its competitors. This is 47% below median its historical median of 0.30. Over the past decade, MVB Financial's Debt-to-Equity has ranged from 0.13 to 1.74. According to the industry distribution chart, MVB Financial ranks #254 out of 1419 companies in the Banks industry, placing it in the top 17.9%.
Is MVB Financial's Debt-to-Equity too high?
MVB Financial's current Debt-to-Equity of 0.16 is 47% below median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.74. The Banks industry median Debt-to-Equity is 0.58. MVB Financial's value of 0.16 is 72.4% below this industry median. Based on the distribution chart, MVB Financial ranks #254 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, MVB Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MVB Financial's Debt-to-Equity compare to RVRF and NECB?
According to the Banks industry distribution chart, MVB Financial ranks #254 out of 1419 companies for Debt-to-Equity. This places MVB Financial in the top 18% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. MVB Financial's value of 0.16 is 72.4% below this benchmark. Historically, MVB Financial's own Debt-to-Equity has ranged from 0.13 to 1.74 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.58, MVB Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MVB Financial's current Debt-to-Equity of 0.16 is 72.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MVB Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MVB Financial's current Debt-to-Equity is 0.16, which is 47% below median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MVB Financial stock overvalued right now?
Based on GuruFocus' analysis, MVB Financial (MVBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.59, compared to a current price of $30.63 — trading 41.9% above its estimated fair value. The current Debt-to-Equity is 0.16, which is 47% below median its 10-year median of 0.30 and 72.4% below the Banks industry median of 0.58. MVB Financial's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For MVB Financial (MVBF), the current Debt-to-Equity is 0.16 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MVB Financial (MVBF) Overvalued in 2026?
Based on GuruFocus' analysis, MVB Financial stock appears to be overvalued.
The current stock price of $30.63 is trading 41.9% above its estimated GF Value™ of $21.59.
GuruFocus considers MVB Financial to be Significantly Overvalued.
Key valuation signals for MVBF:
Debt-to-Equity: 0.16 (47% below median its 10-year median of 0.30)
GF Value™: $21.59 vs. price of $30.63 (41.9% above fair value)
Industry Position: 72.4% below the Banks median (#254 of 1419)
No single metric tells the full story. See the MVBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MVB Financial Corp is a financial holding company. The company provides a wide range of business activities through the Bank, commercial and retail banking services, as well as Fintech banking. It has three reportable segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. The majority of its revenue is generated from the CoRe Banking segment, which includes its Fintech division, represents banking products and services offered to customers by the Bank, loans and deposits accounts. Revenue from banking activities consists of interest earned on loans and investment securities and service charges on deposit accounts.
64GF Score
Get the complete analysis for MVBF
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