Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
MVBF 
MVB Financial Corp (MVBF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/08/2025: 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 $21.5
1 Year Target Price $21.5
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.16% | 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 07/08/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 304.73M USD | Price to earnings Ratio 16.07 | 1Y Target Price 21.5 |
Price to earnings Ratio 16.07 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 3 | Beta 0.95 | 52 Weeks Range 15.45 - 24.41 | Updated Date 07/8/2025 |
52 Weeks Range 15.45 - 24.41 | Updated Date 07/8/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 1.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.13% | Operating Margin (TTM) 17.2% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 6.41% |
Valuation
Trailing PE 16.07 | Forward PE - | Enterprise Value 119218400 | Price to Sales(TTM) 2.09 |
Enterprise Value 119218400 | Price to Sales(TTM) 2.09 | ||
Enterprise Value to Revenue 2.6 | Enterprise Value to EBITDA - | Shares Outstanding 12994700 | Shares Floating 11831317 |
Shares Outstanding 12994700 | Shares Floating 11831317 | ||
Percent Insiders 12.36 | Percent Institutions 52.8 |
Upturn AI SWOT
MVB Financial Corp
Company Overview
History and Background
MVB Financial Corp. was founded in 1999 and is headquartered in Fairmont, West Virginia. It operates as the financial holding company for MVB Bank, Inc. MVB has expanded its services through strategic acquisitions and organic growth, focusing on serving entrepreneurs and the innovation economy.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services including loans, deposit accounts, and treasury management solutions to businesses.
- Mortgage Banking: Offers residential mortgage lending services to individuals and families.
- Financial Technology: Partners with fintech companies to provide banking-as-a-service solutions and cryptocurrency custody services.
Leadership and Structure
Larry F. Mazza serves as the Chief Executive Officer. The organizational structure comprises various departments like lending, operations, technology, and risk management, all reporting to the executive leadership team and ultimately to the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and commercial real estate financing to businesses. Market share in commercial lending is small, difficult to ascertain specifically, and heavily dependent on regional and niche markets; competitors include larger national and regional banks like PNC (PNC), Truist (TFC), and Huntington (HBAN).
- Mortgage Loans: Offers various mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Market share in mortgage lending is fragmented, competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC) and various regional and national mortgage lenders.
- Fintech Banking Services: Provides banking-as-a-service (BaaS) to fintech companies and offers cryptocurrency custody solutions. Market share in BaaS is growing; competitors include Cross River Bank and Evolve Bank & Trust, and Metropolitan Bank Holding Corp (MCB).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Fintech banking services are experiencing growth, driven by the increasing demand for digital financial solutions.
Positioning
MVB Financial Corp is positioned as a regional bank with a focus on serving entrepreneurs and the innovation economy. Its competitive advantages include its expertise in fintech banking and its commitment to customer service.
Total Addressable Market (TAM)
The total addressable market for banking services is substantial, estimated in the trillions of dollars. MVB Financial Corp is targeting specific niches, such as fintech banking and commercial lending to entrepreneurs, representing a smaller but significant portion of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Focus on fintech banking
- Regional presence
Weaknesses
- Limited geographic reach
- Dependence on interest rate environment
- Smaller market capitalization than larger competitors
Opportunities
- Expanding fintech partnerships
- Acquiring smaller banks or fintech companies
- Growing demand for digital banking services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- TFC
- HBAN
- MCB
Competitive Landscape
MVB Financial Corp faces intense competition from larger national and regional banks, as well as fintech companies. Its competitive advantages include its focus on fintech banking and its regional presence. Its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Palmetto Bancshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 83.8
- Strategic Rationale: Expanded MVBu2019s geographic footprint into South Carolina and provided access to new markets and customer segments.
Growth Trajectory and Initiatives
Historical Growth: MVB has experienced growth through strategic acquisitions and expanding its fintech banking services. Historical growth rates have varied depending on economic conditions and acquisitions.
Future Projections: Future growth projections depend on the success of its fintech banking initiatives and the overall economic environment. Analyst estimates are not available at this time, but future growth is expected from the rise of digital banking.
Recent Initiatives: Recent initiatives include expanding its fintech partnerships, launching new digital banking products, and exploring opportunities in the cryptocurrency space.
Summary
MVB Financial Corp is a regional bank with a growing focus on fintech banking. Its strengths include its experienced management team and strong capital base. However, it faces challenges from increased competition and a dependence on the interest rate environment. Expansion into fintech partnerships is something that is working well and they need to watch out for competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. This response should not be used as the sole basis for making investment decisions.
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 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.