Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
MVB Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was 8.93%.
The industry rank for MVB Financial's 3-Year RORE % or its related term are showing as below:
MVBF's 3-Year RORE % is ranked worse than 52.81% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs MVBF: 8.93
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
MVB Financial 3-Year RORE % Related Terms
MVB Financial 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for MVB Financial's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, MVB Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, MVB Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where MVB Financial's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
MVB Financial (MVBF) has a 3-Year RORE % of 8.93 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on MVB Financial and its competitors. According to the industry distribution chart, MVB Financial ranks #779 out of 1475 companies in the Banks industry, placing it in the top 52.8%.
Is MVB Financial's 3-Year RORE % too high?
MVB Financial's current 3-Year RORE % is 8.93. The Banks industry median 3-Year RORE % is 9.92. MVB Financial's value of 8.93 is 10% below this industry median. Based on the distribution chart, MVB Financial ranks #779 out of 1475 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 3-Year RORE % compare to USCB and RVRF?
According to the Banks industry distribution chart, MVB Financial ranks #779 out of 1475 companies for 3-Year RORE %. This places MVB Financial in the lower half of its industry. The industry median 3-Year RORE % is 9.92. MVB Financial's value of 8.93 is 10% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MVB Financial's current 3-Year RORE % of 8.93 is 10% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on MVB Financial and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MVB Financial's current 3-Year RORE % is 8.93. 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 $18.45, compared to a current price of $28.59 — trading 55% above its estimated fair value. The current 3-Year RORE % is 8.93 and 10% below the Banks industry median of 9.92. MVB Financial's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For MVB Financial (MVBF), the current 3-Year RORE % is 8.93 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 $28.59 is trading 55% above its estimated GF Value™ of $18.45.
GuruFocus considers MVB Financial to be Significantly Overvalued.
Key valuation signals for MVBF:
3-Year RORE %: 8.93
GF Value™: $18.45 vs. price of $28.59 (55% above fair value)
Industry Position: 10% below the Banks median (#779 of 1475)
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
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MVBF has been successfully added to your 
