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MVB Financial Corp. logo
MVB Financial Corp. MVBF
$ 29.12 -0.7%
report update icon

Quarterly report 2026-Q2
added 08-05-2026

MVB Financial Corp. Financial Ratios 2025-2009 | MVBF

Brief overview of MVB Financial Corp.'s multiples and efficiency

The comparison uses the five latest available annual observations between 2021 and 2025.

Market valuation is represented by P/B 0.73x (median 0.79x), P/CF 60.93x (median 13.54x). Multiples are on average 171.5% above their own medians. A substantial share of positive expectations may already be priced in.

Current measures of operating quality are ROE 0%, ROA 0%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.

PEG of 0.17x shows valuation is not outpacing embedded growth. The conclusion depends on earnings durability.

For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.

Valuation takeaway

MVB Financial Corp.'s multiples are demanding relative to current business quality. Material improvement is needed to justify them.

Annual Financial Ratios MVB Financial Corp.

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009

P/E

9115.7 11804.6 7377.6 19647.8 47.3 7.0 9.0 15.5 27.0 8.3 15.4 54.3 32.5 16.7 - - -

P/S

- - - - - - 2.0 2.1 2.5 1.3 1.5 2.2 2.8 2.8 - - -

EPS

0.3 0.7 2.5 1.2 0.8 3.1 2.3 1.0 0.7 1.4 0.8 0.2 0.6 0.9 1.2 1.4 -

EV (Enterprise Value)

2.98 B 2.74 B 2.86 B 3.05 B 2.68 B 2.09 B 1.95 B 1.74 B 1.57 B 1.36 B 1.35 B 1.08 B 984 M 703 M 476 M 380 M -2.32 M

EBITDA per Share

0.2 0.3 0.39 0.43 0.36 0.28 - - - - - - - - - - -

EV/EBITDA

1145.1 698.0 570.7 573.1 638.6 11.0 - - - - - - - - - - -

PEG

-2575.53 - - - - 0.17 0.08 0.31 -0.52 0.1 0.08 -1.11 -1.23 1.3 - - -

P/B

0.7 0.8 0.8 1.1 1.7 1.1 1.1 1.1 1.4 0.7 0.9 1.0 1.4 1.0 - - -

P/CF

60.9 -838.5 3.9 38.4 13.5 2.3 -24.1 46.5 7.2 4.5 -4.4 7.5 -24.5 -4.8 - - -

ROE %

0.01 0.01 0.01 0.01 3.63 15.62 12.74 6.79 5.04 8.87 5.94 1.90 4.28 6.17 - 7.27 -

ROA %

0.00 0.00 0.00 0.00 0.36 1.60 1.39 0.69 0.49 0.91 0.49 0.19 0.41 0.57 - 0.54 -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 0.0 0.0 0.0 0.0 0.0 0.0 0.1 1.1 - 1.1 -

DSO

- - - - - - 149.9 141.0 117.7 102.9 124.5 136.9 137.0 143.9 - - -

All numbers in USD currency

Quarterly Financial Ratios MVB Financial Corp.

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.95 0.41 1.36 0.16 0.28 - 0.16 0.32 0.35 - 0.3 0.64 0.9 - 0.22 0.24 0.24 0.83 1 0.79 0.7 1 0.53 1.5 0.08 0.34 0.36 1.31 0.26 0.25 0.3 0.25 0.24 0.12 0.21 0.21 0.14 0.23 0.25 0.77 0.2 0.16 0.16 0.22 0.25 -0.09 0.05 0.12 0.15 - 0.11 0.21 0.2 - 0.47 0.34 0.38 - 0.31 0.29 0.33

EBITDA per Share

0.07 0.03 - - 0.06 - - - 0.09 - - - 0.11 - 0.26 0.15 0.07 - 0.24 0.17 0.09 - 0.06 0.14 0.08 - 0.2 0.13 0.07 - 0.19 0.14 0.07 - 0.19 0.12 0.06 - 0.32 0.21 0.1 - 0.18 0.12 0.06 - - - - - - - - - - - - - - - -

ROE %

10.99 8.59 7.75 3.92 4.80 3.65 5.08 7.28 10.02 8.48 9.52 9.20 7.30 3.16 6.79 10.18 12.75 15.14 16.46 14.73 18.59 15.62 12.61 11.94 11.67 12.74 12.50 12.48 6.83 6.79 6.04 5.56 5.46 5.04 5.68 5.72 8.68 8.87 8.50 8.14 5.34 5.94 4.19 3.45 2.67 1.90 3.24 4.33 4.71 3.65 5.20 5.60 5.30 4.04 5.45 5.23 5.41 4.14 1.41 1.33 1.40

ROA %

1.09 0.87 0.77 0.37 0.42 0.30 0.54 0.48 0.79 0.67 0.75 0.73 0.58 0.27 0.62 0.97 1.21 1.42 1.57 1.43 1.86 1.60 1.31 1.25 1.27 1.39 1.35 1.33 0.70 0.69 0.61 0.55 0.54 0.49 0.56 0.58 0.89 0.91 0.85 0.79 0.47 0.49 0.34 0.29 0.23 0.19 0.32 0.42 0.45 0.35 0.49 0.53 0.50 0.38 0.50 0.48 0.49 0.37 0.13 0.12 0.12

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 - 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

All numbers in USD currency

Multiples are an important financial analysis tool for the company MVB Financial Corp., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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