MVB FinancialMVBF -0.24%64 PB Ratio is 1.11 as of Jul. 07, 2026, which is 5% above its 10-year median of 1.06. GuruFocus rates MVBF with a GF Score™ of 64/100 and a GF Value™ of $18.46 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, MVB Financial ranks worse than 50.26% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-07), MVB Financial's share price is $28.96. MVB Financial's Book Value per Share for the quarter that ended in Mar. 2026 was $26.07. Hence, MVB Financial's PB Ratio of today is 1.11.
Warning Sign:
MVB Financial Corp stock PB Ratio (=1.11) is close to 2-year high of 1.13.
The historical rank and industry rank for MVB Financial's PB Ratio or its related term are showing as below:
MVBF'
s PB Ratio Range Over the Past 10 Years
Min: 0.66 Med: 1.06 Max: 2.19
Current: 1.11
During the past 13 years, MVB Financial's highest PB Ratio was 2.19. The lowest was 0.66. And the median was 1.06.
MVBF's PB Ratio is ranked worse than 50.26% of 1518
companies
in the Banks industry
Industry Median: 1.1
vs MVBF: 1.11
During the past 12 months, MVB Financial's average Book Value Per Share Growth Rate was 8.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of MVB Financial was 16.00% per year. The lowest was 1.30% per year. And the median was 6.35% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
MVB Financial PB Ratio Related Terms
MVB Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for MVB Financial's PB Ratio 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.
For the Banks - Regional subindustry, MVB Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, MVB Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where MVB Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
MVB Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
MVB Financial (MVBF) has a PB Ratio of 1.11 as of Jul. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MVB Financial and its competitors. This is near median its historical median of 1.06. Over the past decade, MVB Financial's PB Ratio has ranged from 0.66 to 2.19. According to the industry distribution chart, MVB Financial ranks #763 out of 1518 companies in the Banks industry, placing it in the top 50.3%.
Is MVB Financial's PB Ratio too high?
MVB Financial's current PB Ratio of 1.11 is near median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 2.19. The Banks industry median PB Ratio is 1.10. MVB Financial's value of 1.11 is 0.9% above this industry median. Based on the distribution chart, MVB Financial ranks #763 out of 1518 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to USCB and RVRF?
According to the Banks industry distribution chart, MVB Financial ranks #763 out of 1518 companies for PB Ratio. This places MVB Financial in the lower half of its industry. The industry median PB Ratio is 1.10. MVB Financial's value of 1.11 is 0.9% above this benchmark. Historically, MVB Financial's own PB Ratio has ranged from 0.66 to 2.19 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.10, MVB Financial has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MVB Financial's current PB Ratio of 1.11 is 0.9% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MVB Financial and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MVB Financial's current PB Ratio is 1.11, which is near median its own 10-year median of 1.06. 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 $18.46, compared to a current price of $28.96 — trading 56.9% above its estimated fair value. The current PB Ratio is 1.11, which is near median its 10-year median of 1.06 and 0.9% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For MVB Financial (MVBF), the current PB Ratio is 1.11 as of Jul. 07, 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 $28.96 is trading 56.9% above its estimated GF Value™ of $18.46.
GuruFocus considers MVB Financial to be Significantly Overvalued.
Key valuation signals for MVBF:
PB Ratio: 1.11 (near median its 10-year median of 1.06)
GF Value™: $18.46 vs. price of $28.96 (56.9% above fair value)
Industry Position: 0.9% above the Banks median (#763 of 1518)
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
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