MVB FinancialMVBF -2.13%64 Return-on-Tangible-Equity is 6.20% as of Mar. 2026, which is 38% below its 10-year median of 9.92. 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 1,521 Banks companies, MVB Financial ranks worse than 63.97% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. MVB Financial's annualized net income for the quarter that ended in Mar. 2026 was $20.7 Mil. MVB Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $334.4 Mil. Therefore, MVB Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.20%.
The historical rank and industry rank for MVB Financial's Return-on-Tangible-Equity or its related term are showing as below:
MVBF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.72 Med: 9.92 Max: 17.66
Current: 8.87
During the past 13 years, MVB Financial's highest Return-on-Tangible-Equity was 17.66%. The lowest was 5.72%. And the median was 9.92%.
MVBF's Return-on-Tangible-Equity is ranked worse than 63.97% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs MVBF: 8.87
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
MVB Financial Return-on-Tangible-Equity Related Terms
MVB Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for MVB Financial's Return-on-Tangible-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 USCB, RVRF, AVBC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, MVB Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MVB Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where MVB Financial's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.20% mean?
MVB Financial (MVBF) has a Return-on-Tangible-Equity of 6.20% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MVB Financial and its competitors. This is 38% below median its historical median of 9.92. Over the past decade, MVB Financial's Return-on-Tangible-Equity has ranged from 5.72 to 17.66. According to the industry distribution chart, MVB Financial ranks #973 out of 1521 companies in the Banks industry, placing it in the top 64%.
Is MVB Financial's Return-on-Tangible-Equity too high?
MVB Financial's current Return-on-Tangible-Equity of 6.20% is 38% below median its 10-year median of 9.92. Over the past 10 years, this metric has ranged from a low of 5.72 to a high of 17.66. The Banks industry median Return-on-Tangible-Equity is 11.19. MVB Financial's value of 6.20% is 44.6% below this industry median. Based on the distribution chart, MVB Financial ranks #973 out of 1521 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 Return-on-Tangible-Equity compare to USCB and RVRF?
According to the Banks industry distribution chart, MVB Financial ranks #973 out of 1521 companies for Return-on-Tangible-Equity. This places MVB Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. MVB Financial's value of 6.20% is 44.6% below this benchmark. Historically, MVB Financial's own Return-on-Tangible-Equity has ranged from 5.72 to 17.66 over the past decade. While the company's 10-year median is 9.92 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MVB Financial's current Return-on-Tangible-Equity of 6.20% is 44.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MVB Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MVB Financial's current Return-on-Tangible-Equity is 6.20%, which is 38% below median its own 10-year median of 9.92. 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 $28.09 — trading 52.2% above its estimated fair value. The current Return-on-Tangible-Equity is 6.20%, which is 38% below median its 10-year median of 9.92 and 44.6% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For MVB Financial (MVBF), the current Return-on-Tangible-Equity is 6.20% as of Mar. 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 $28.09 is trading 52.2% above its estimated GF Value™ of $18.46.
GuruFocus considers MVB Financial to be Significantly Overvalued.
Key valuation signals for MVBF:
Return-on-Tangible-Equity: 6.20% (38% below median its 10-year median of 9.92)
GF Value™: $18.46 vs. price of $28.09 (52.2% above fair value)
Industry Position: 44.6% below the Banks median (#973 of 1521)
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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