MVBF (MVB Financial) Scaled Net Operating Assets: -0.01 (As of Mar. 2026)


MVBF MVB Financial Corp MVBF
64 GF Score
Price $29.16
GF Value $18.49
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is MVB Financial Scaled Net Operating Assets?

MVB Financial MVBF +0.86% 64 Scaled Net Operating Assets is -0.01 as of Mar. 2026. GuruFocus rates MVBF with a GF Score™ of 64/100 and a GF Value™ of $18.49 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MVB Financial's operating assets for the quarter that ended in Mar. 2026 was $2,886.6 Mil. MVB Financial's operating liabilities for the quarter that ended in Mar. 2026 was $2,933.3 Mil. MVB Financial's Total Assets for the quarter that ended in Dec. 2025 was $3,308.9 Mil. Therefore, MVB Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

MVBF
64GF Score
MVB Financial Corp MVBF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MVB Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MVB Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3064.793-2900.924)/3128.704
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3308.918 - 244.125
=3064.793

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2974.95 - 74.026 - 0
=2900.924

MVB Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2886.63-2933.332)/3308.918
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3322.298 - 435.668
=2886.63

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2987.378 - 34.046 - 20
=2933.332

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
MVB Financial (MVBF) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MVB Financial and its competitors.
Is MVB Financial's Scaled Net Operating Assets too high?
MVB Financial's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets compare to USCB and RVRF?
MVB Financial's Scaled Net Operating Assets of -0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MVB Financial and its competitors. MVB Financial's current Scaled Net Operating Assets is -0.01. 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 $18.49, compared to a current price of $29.16 — trading 57.7% above its estimated fair value. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For MVB Financial (MVBF), the current Scaled Net Operating Assets is -0.01 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 $29.16 is trading 57.7% above its estimated GF Value™ of $18.49. GuruFocus considers MVB Financial to be Significantly Overvalued.

Key valuation signals for MVBF:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $18.49 vs. price of $29.16 (57.7% above fair value)
  • GF Score™: 64/100 with 7 warning signs

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 Business Description

Address 301 Virginia Avenue, Fairmont, WV, USA, 26554
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.16
Price
$18.49
GF Value