Mvb Finl Corp Financials
This page shows Mvb Finl Corp (MVBF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Mvb Finl Corp's revenue declined 5.7% year-over-year, from $185.8M to $175.3M. This contraction results in a growth score of 24/100.
Mvb Finl Corp has elevated debt relative to equity (D/E of 8.91), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Mvb Finl Corp's free cash flow margin of 1.2% results in a low score of 28/100. Capital expenditures of $1.9M absorb a large share of operating cash flow.
Mvb Finl Corp generates a 8.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 6.6% the prior year.
Mvb Finl Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Mvb Finl Corp generates $0.15 in operating cash flow ($4.0M OCF vs $26.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Mvb Finl Corp generated $175.3M in revenue in fiscal year 2025. This represents a decrease of 5.7% from the prior year.
Mvb Finl Corp reported $26.9M in net income in fiscal year 2025. This represents an increase of 33.0% from the prior year.
Mvb Finl Corp earned $2.06 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.6% from the prior year.
Cash & Balance Sheet
Mvb Finl Corp generated $2.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 210.9% from the prior year.
Mvb Finl Corp held $244.1M in cash against $0 in long-term debt as of fiscal year 2025.
Mvb Finl Corp paid $0.68 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Mvb Finl Corp had 13M shares outstanding in fiscal year 2025. This represents a decrease of 1.8% from the prior year.
Margins & Returns
Mvb Finl Corp's net profit margin was 15.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.5 percentage points from the prior year.
Mvb Finl Corp's ROE was 8.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.
Capital Allocation
Mvb Finl Corp spent $10.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Mvb Finl Corp invested $1.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 18.2% from the prior year.
MVBF Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $45.5M+2.9% | $44.2M+4.3% | $42.4M-2.0% | $43.2M+0.4% | $43.1M-7.7% | $46.6M+1.1% | $46.1M-7.8% | $50.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $28.4M+60.8% | $17.6M+6.3% | $16.6M+0.3% | $16.6M-33.5% | $24.9M+24.3% | $20.0M+8.0% | $18.6M-6.7% | $19.9M |
| Income Tax | N/A | $6.3M+440.5% | $1.2M-6.7% | $1.2M | N/A | $642K-53.4% | $1.4M+7.5% | $1.3M |
| Net Income | $4.2M-75.3% | $17.1M+755.9% | $2.0M-44.0% | $3.6M-62.1% | $9.4M+353.8% | $2.1M-49.1% | $4.1M-8.8% | $4.5M |
| EPS (Diluted) | $0.32-75.8% | $1.32+780.0% | $0.15-44.4% | $0.27-62.5% | $0.72+350.0% | $0.16-48.4% | $0.31-8.8% | $0.34 |
MVBF Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+2.3% | $3.2B+0.3% | $3.2B+6.8% | $3.0B-3.5% | $3.1B-8.5% | $3.4B+4.0% | $3.3B-7.3% | $3.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $244.1M-18.6% | $300.0M-24.9% | $399.4M+58.8% | $251.4M-20.9% | $317.9M-48.0% | $610.9M+34.1% | $455.5M-28.9% | $640.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M-57.7% | $2.8M0.0% | $2.8M0.0% | $2.8M0.0% | $2.8M |
| Total Liabilities | $3.0B+2.4% | $2.9B-0.6% | $2.9B+7.8% | $2.7B-4.0% | $2.8B-9.4% | $3.1B+4.2% | $3.0B-8.1% | $3.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $334.0M+1.9% | $327.8M+8.4% | $302.3M-2.5% | $310.1M+1.4% | $305.7M+0.9% | $303.1M+2.2% | $296.6M+1.6% | $291.9M |
| Retained Earnings | $190.4M+1.1% | $188.3M+8.7% | $173.3M-0.1% | $173.6M+0.8% | $172.2M+4.4% | $165.0M-0.1% | $165.1M+1.2% | $163.2M |
MVBF Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$15.0M-484.0% | -$2.6M-134.5% | $7.4M-47.3% | $14.1M+234.0% | -$10.5M-222.1% | $8.6M-67.9% | $26.9M+206.4% | -$25.3M |
| Capital Expenditures | $508K-46.8% | $955K+400.0% | $191K-26.8% | $261K+94.8% | $134K-56.6% | $309K+20.7% | $256K-72.2% | $921K |
| Free Cash Flow | -$15.5M-340.0% | -$3.5M-148.6% | $7.2M-47.7% | $13.9M+229.8% | -$10.7M-228.2% | $8.3M-68.7% | $26.6M+201.7% | -$26.2M |
| Investing Cash Flow | -$107.0M-70.6% | -$62.7M+10.5% | -$70.1M-324.3% | $31.3M+5.9% | $29.5M+6.3% | $27.8M-54.8% | $61.4M+137.9% | $25.8M |
| Financing Cash Flow | $66.1M+294.1% | -$34.0M-116.2% | $210.6M+288.3% | -$111.9M+64.1% | -$312.0M-362.2% | $119.0M+143.6% | -$273.2M-213.0% | $241.7M |
| Dividends Paid | $2.2M+1.2% | $2.1M-3.3% | $2.2M+0.4% | $2.2M-1.6% | $2.2M-63.0% | $6.1M+463.8% | -$1.7M-177.6% | $2.1M |
| Share Buybacks | $142K-96.1% | $3.6M | N/A | N/A | $0 | $0 | N/A | N/A |
MVBF Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 9.3%-29.5pp | 38.8%+34.0pp | 4.7%-3.5pp | 8.3%-13.7pp | 21.9%+17.5pp | 4.5%-4.4pp | 8.9%-0.1pp | 9.0% |
| Return on Equity | 1.3%-4.0pp | 5.2%+4.6pp | 0.7%-0.5pp | 1.1%-1.9pp | 3.1%+2.4pp | 0.7%-0.7pp | 1.4%-0.2pp | 1.5% |
| Return on Assets | 0.1%-0.4pp | 0.5%+0.5pp | 0.1%-0.1pp | 0.1%-0.2pp | 0.3%+0.2pp | 0.1%-0.1pp | 0.1%-0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.91+0.0 | 8.86-0.8 | 9.66+0.9 | 8.74-0.5 | 9.23-1.0 | 10.28+0.2 | 10.08-1.1 | 11.15 |
| FCF Margin | -34.0%-26.1pp | -8.0%-25.1pp | 17.1%-15.0pp | 32.1%+56.9pp | -24.8%-42.7pp | 17.9%-39.9pp | 57.7%+110.1pp | -52.3% |
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Frequently Asked Questions
What is Mvb Finl Corp's annual revenue?
Mvb Finl Corp (MVBF) reported $175.3M in total revenue for fiscal year 2025. This represents a -5.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Mvb Finl Corp's revenue growing?
Mvb Finl Corp (MVBF) revenue declined by 5.7% year-over-year, from $185.8M to $175.3M in fiscal year 2025.
Is Mvb Finl Corp profitable?
Yes, Mvb Finl Corp (MVBF) reported a net income of $26.9M in fiscal year 2025, with a net profit margin of 15.4%.
What is Mvb Finl Corp's net profit margin?
Mvb Finl Corp (MVBF) had a net profit margin of 15.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Mvb Finl Corp pay dividends?
Yes, Mvb Finl Corp (MVBF) paid $0.68 per share in dividends during fiscal year 2025.
What is Mvb Finl Corp's return on equity (ROE)?
Mvb Finl Corp (MVBF) has a return on equity of 8.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Mvb Finl Corp's free cash flow?
Mvb Finl Corp (MVBF) generated $2.1M in free cash flow during fiscal year 2025. This represents a 210.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Mvb Finl Corp's operating cash flow?
Mvb Finl Corp (MVBF) generated $4.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Mvb Finl Corp's total assets?
Mvb Finl Corp (MVBF) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Mvb Finl Corp's capital expenditures?
Mvb Finl Corp (MVBF) invested $1.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Mvb Finl Corp's debt-to-equity ratio?
Mvb Finl Corp (MVBF) had a debt-to-equity ratio of 8.91 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Mvb Finl Corp's return on assets (ROA)?
Mvb Finl Corp (MVBF) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Mvb Finl Corp's Piotroski F-Score?
Mvb Finl Corp (MVBF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Mvb Finl Corp's earnings high quality?
Mvb Finl Corp (MVBF) has an earnings quality ratio of 0.15x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Mvb Finl Corp?
Mvb Finl Corp (MVBF) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.