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Upturn AI SWOT - About
MVBF 
MVB Financial Corp (MVBF)
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Upturn Advisory Summary
09/17/2025: MVBF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $25.67
1 Year Target Price $25.67
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.29% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 309.75M USD | Price to earnings Ratio 18.86 | 1Y Target Price 25.67 |
Price to earnings Ratio 18.86 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 3 | Beta 1 | 52 Weeks Range 15.34 - 24.95 | Updated Date 09/17/2025 |
52 Weeks Range 15.34 - 24.95 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.79% | Basic EPS (TTM) 1.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.86% | Operating Margin (TTM) 13.37% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 5.73% |
Valuation
Trailing PE 18.86 | Forward PE - | Enterprise Value -13334863 | Price to Sales(TTM) 2.16 |
Enterprise Value -13334863 | Price to Sales(TTM) 2.16 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA - | Shares Outstanding 12731300 | Shares Floating 11567937 |
Shares Outstanding 12731300 | Shares Floating 11567937 | ||
Percent Insiders 12.62 | Percent Institutions 55.32 |
Upturn AI SWOT
MVB Financial Corp
Company Overview
History and Background
MVB Financial Corp. was founded in 1999 as a community bank in West Virginia. It has grown through acquisitions and organic expansion, focusing on serving entrepreneurs and fintech companies.
Core Business Areas
- Commercial Banking: Provides banking services to businesses, including loans, deposits, and cash management.
- Mortgage Banking: Offers residential mortgage lending services.
- Fintech: Partners with and provides banking services to fintech companies.
Leadership and Structure
Larry F. Mazza serves as the CEO. The company operates with a traditional corporate structure, including a board of directors and executive management team overseeing various business units.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to small and medium-sized businesses. Market share information is difficult to obtain as it is geographically dependent. Competitors include larger regional and national banks such as PNC (PNC), WesBanco (WSBC), and Huntington Bancshares (HBAN).
- Mortgage Loans: Offers residential mortgage loans. The mortgage market is highly competitive. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC) and PennyMac Financial Services (PFSI).
- Banking-as-a-Service (BaaS) to Fintech: Provides banking infrastructure and services to fintech companies. Market share data is emerging, and highly competitive. Competitors include Cross River Bank, Evolve Bank & Trust, and many other BaaS providers.
Market Dynamics
Industry Overview
The banking industry is evolving rapidly due to technological advancements and changing customer preferences. Fintech partnerships and digital banking are key trends.
Positioning
MVB Financial Corp. positions itself as a tech-forward bank, focusing on serving entrepreneurs and fintech companies. Its competitive advantage lies in its specialized fintech banking services.
Total Addressable Market (TAM)
The total addressable market for banking services is massive, estimated at trillions of dollars globally. MVB Financial Corp. is focused on a niche within this TAM, specifically targeting entrepreneurs and fintech companies, representing a substantial but smaller portion of the overall market.
Upturn SWOT Analysis
Strengths
- Strong focus on fintech partnerships
- Experienced management team
- Geographic diversification through acquisitions
- Solid capital base
Weaknesses
- Smaller size compared to larger regional banks
- Dependence on regulatory environment regarding fintech
- Relatively high cost of deposit funding
Opportunities
- Expansion of fintech partnerships
- Growth in digital banking services
- Acquisition of smaller community banks
- Increasing interest rates driving net interest margin expansion
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Changes in banking regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- WSBC
- HBAN
- RKT
- UWMC
Competitive Landscape
MVB Financial Corp. competes with larger regional and national banks, as well as fintech companies offering similar services. Its competitive advantage lies in its niche focus on serving entrepreneurs and fintech companies, but it faces challenges from larger competitors with greater resources.
Growth Trajectory and Initiatives
Historical Growth: MVB Financial Corp. has experienced growth through acquisitions and organic expansion in recent years.
Future Projections: Analyst estimates predict continued growth in revenue and earnings, driven by fintech partnerships and digital banking initiatives.
Recent Initiatives: Recent initiatives include expanding its fintech banking platform, acquiring other community banks, and investing in digital banking technologies.
Summary
MVB Financial Corp is a relatively strong company with a solid focus on serving entrepreneurs and fintech companies. Its growth strategy through acquisitions and fintech partnerships appears to be working well. The company should watch out for increasing competition from larger banks and fintech companies and economic downturns that could impact loan demand.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MVB Financial Corp
Exchange NASDAQ | Headquaters Fairmont, WV, United States | ||
IPO Launch date 2008-08-22 | President, CEO & Non-Independent Director Mr. Larry F. Mazza CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 453 | Website https://www.mvbbanking.com |
Full time employees 453 | Website https://www.mvbbanking.com | ||
MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1999 and is based in Fairmont, West Virginia.
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