MARKETS / NASDAQ / MVBF

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

MVB Financial Corp. MVBF

16 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$26.9M

▲ 33.0% YoY

Free cash flow

$2.1M

In brief

What this company does

MVB Financial Corp. is a financial holding company organized in 2003 as a West Virginia corporation that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (the “Bank”). We conduct a wide range of business activities through the Bank, primarily commercial and retail (“CoRe”) banking services, as well as Fintech banking. Paladin Fraud, a wholly-owned subsidiary of the Bank, provides an extensive and customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies and other vendors to help clients and partners defend against threats. Our primary market area for CoRe banking services encompasses North Central West Virginia and Northern Virginia, where we currently operate seven full-service branches, including six in West Virginia and one in Virginia. We have identified three reportable segments: CoRe Banking, Mortgage Banking and Financial Holding Company.

Written from the business description in MVB Financial Corp.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

—

Revenue, FY2025 · full 16-year series below

Revenue $M Net income $M

FY2019 · Revenue 3.4 · Net income 27.0

Compound annual growth

Revenue

+18.1%

EPS, diluted

+20.8%

−7.6%

+10.3%

Dividend / share

+0.0%

+13.6%

+23.9%

Returned to shareholders

+25.6%

+1.3%

+38.4%

+27.0%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

—

Operating margin Net margin

FY2019 · Operating 1029.8% · Net 793.9%

ROE

FY2025 · ROE 8.4%

Gross margin—

Operating margin—

Net margin—

Return on assets0.8%

EBITDAUSD 39.4M

Each USD of equity produced 8 cents of profit this year.

Cash & shareholders

USD 16.6M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 2.1

Net buybacks $M Dividends $M

FY2025 · Dividends 8.7 · Net buybacks 7.9

Dividends paidUSD 8.7M

Net buybacksUSD 7.9M

Share of profit61.5%

Consecutive raises—

USD 8.7M in dividends and USD 7.9M in buybacks — 62% of the year's profit went back to shareholders.

Total assetsUSD 3.3B

EquityUSD 334.0M

CashUSD 244.1M

Equity funds 10% of total assets.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	·	·	·	·	·	·	0.0	0.0	0.0	0.0	·	·	·	·	·	·
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EBITDA $B	0.0	0.0	0.0	0.0	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	−0.0	0.1	0.0	0.0	0.1	−0.0	0.0	0.0	0.0	−0.0	0.0	−0.0	−0.0	−0.0	0.0
EPS, diluted $	2.06	1.53	2.40	1.17	3.10	3.06	2.20	1.00	0.68	1.31	0.77	0.22	0.57	0.90	1.21	1.38
Dividend / sh $	0.68	0.68	0.68	0.68	0.51	0.36	0.20	0.11	0.10	0.08	0.08	0.08	0.07	0.07	0.10	0.10
Payout %	32	43	28	56	15	11	8	10	14	5	9	31	13	7	8	7
ROE %	8.4	6.8	11.3	5.6	15.2	16.6	13.9	7.3	5.1	9.9	6.1	2.0	5.0	7.2	6.9	7.3
Shares out B	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 9 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inWest Virginia

Fiscal year endsDecember 31

Data on record since2010