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MVBF 
MVB Financial Corp (MVBF)
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Upturn Advisory Summary
11/14/2025: 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 $31.5
1 Year Target Price $31.5
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.91% | Avg. Invested days 39 | 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 11/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 334.06M USD | Price to earnings Ratio 10.75 | 1Y Target Price 31.5 |
Price to earnings Ratio 10.75 | 1Y Target Price 31.5 | ||
Volume (30-day avg) 3 | Beta 0.95 | 52 Weeks Range 15.34 - 27.49 | Updated Date 11/15/2025 |
52 Weeks Range 15.34 - 27.49 | Updated Date 11/15/2025 | ||
Dividends yield (FY) 2.57% | Basic EPS (TTM) 2.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-11-03 | When - | Estimate 0.2767 | Actual 1.32 |
Profitability
Profit Margin 19.16% | Operating Margin (TTM) 42.9% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 10.19% |
Valuation
Trailing PE 10.75 | Forward PE 13.4 | Enterprise Value 108758432 | Price to Sales(TTM) 1.99 |
Enterprise Value 108758432 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 3.03 | Enterprise Value to EBITDA - | Shares Outstanding 12584334 | Shares Floating 11417766 |
Shares Outstanding 12584334 | Shares Floating 11417766 | ||
Percent Insiders 12.81 | Percent Institutions 53.35 |
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. Initially focused on community banking, MVB has grown through strategic acquisitions and organic expansion, transforming into a financial holding company offering a broader range of services.
Core Business Areas
- Commercial Banking: Provides a full range of commercial banking services, including lending, deposit accounts, and cash management solutions to businesses of all sizes.
- Mortgage Banking: Offers mortgage origination and servicing through MVB Mortgage, focusing on residential mortgages.
- Trust and Wealth Management: Provides trust and wealth management services to individuals and institutions, including investment management and estate planning.
- Fintech: Provides banking services to Fintech companies, including payments, cards, and API banking.
Leadership and Structure
Larry F. Mazza serves as the Chief Executive Officer. The company has a board of directors that oversees the overall strategy and governance. MVB operates through its subsidiaries, each managed by its respective leadership team, and reports up to the MVB Financial Corp. parent company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment financing, and real estate. Market share data is not precisely available, but regional banks such as MVB compete with larger national and regional players (e.g., PNC, Truist, Bank of America). Competitors: PNC (PNC), Truist (TFC), WesBanco (WSBC).
- Mortgage Origination: Residential mortgage loan origination. Market share varies by region. Competition includes both national lenders like Rocket Mortgage and local banks. Competitors: Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC).
- Fintech Banking Services: Banking as a service (BaaS) solutions, payments, API banking. Revenue generated and number of users is not explicitly stated in financial reports. Competitors: Cross River Bank, Evolve Bank & Trust.
Market Dynamics
Industry Overview
The banking industry is undergoing rapid technological changes with increased competition from non-bank financial institutions. Fintech companies are driving innovation and demanding efficient banking solutions. Regulatory scrutiny remains high.
Positioning
MVB Financial Corp. is positioning itself as a tech-forward bank, focusing on providing banking services to Fintech companies and utilizing technology to improve efficiency and customer service. They are smaller than major national banks, creating a competitive disadvantage but also potential for more agile solutions.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is several trillion dollars. MVB's position, particularly in the Fintech banking sector, allows it to capture a small, yet growing, piece of this market. It is positioned to increase its penetration into Fintech banking as the industry continues to grow at a CAGR of over 12%.
Upturn SWOT Analysis
Strengths
- Strong relationships with Fintech companies
- Experienced management team
- Strategic focus on technology and innovation
- Diversified revenue streams
Weaknesses
- Smaller size compared to larger competitors
- Geographic concentration in West Virginia
- Reliance on Fintech partnerships
- Limited brand recognition outside of its core market
Opportunities
- Expansion into new geographic markets
- Increased adoption of Fintech banking services
- Strategic acquisitions to expand product offerings
- Development of new technology-driven solutions
Threats
- Increased competition from larger banks and Fintech companies
- Changes in regulations affecting the banking industry
- Economic downturn impacting loan demand
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- Truist Financial Corporation (TFC)
- WesBanco (WSBC)
- Cross River Bank (Private)
- Evolve Bank & Trust (Private)
Competitive Landscape
MVB faces stiff competition from larger regional and national banks with greater resources and brand recognition. However, MVB's focus on Fintech banking and technological innovation gives it a competitive advantage in certain niche markets.
Major Acquisitions
Palmetto State Bank
- Year: 2021
- Acquisition Price (USD millions): 91
- Strategic Rationale: Expanded MVB's presence in South Carolina and increased its core deposit base.
Growth Trajectory and Initiatives
Historical Growth: MVB Financial Corp. has experienced growth through acquisitions and organic expansion, particularly in its Fintech banking segment.
Future Projections: Analyst estimates should be consulted for future growth projections. Not Available
Recent Initiatives: MVB has been actively pursuing strategic partnerships and acquisitions to expand its Fintech banking capabilities.
Summary
MVB Financial Corp. is a regional bank making strides in the Fintech space, demonstrating both promise and potential for growth. Their focus on technology provides a competitive edge, but they face challenges related to their size and market share. Ongoing strategic partnerships and acquisitions could propel further growth, and risks such as competition and cybersecurity need to be navigated carefully.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party Financial Data Providers
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data is based on general estimates and may not be precise.
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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