MVB Financial Corp. Retained Earnings | MVBF

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings MVB Financial Corp.

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
190 M	172 M	161 M	145 M	138 M	105 M	72.5 M	48.3 M	37.2 M	31.2 M	20.1 M	14.5 M	13.3 M	9.94 M	6.22 M	4.64 M	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
190 M	4.64 M	73.1 M

Quarterly Retained Earnings 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
203 M	193 M	188 M	173 M	174 M	172 M	165 M	-	163 M	161 M	155 M	153 M	147 M	145 M	141 M	140 M	139 M	138 M	130 M	120 M	112 M	105 M	105 M	105 M	105 M	72.5 M	72.5 M	72.5 M	72.5 M	48.3 M	48.3 M	48.3 M	48.3 M	37.2 M	37.2 M	37.2 M	37.2 M	31.2 M	31.2 M	31.2 M	31.2 M	20.1 M	20.1 M	20.1 M	20.1 M	14.5 M	14.5 M	14.5 M	14.5 M	13.3 M	13.3 M	13.3 M	13.3 M	9.94 M	9.94 M	9.94 M	9.94 M	6.22 M	6.22 M	6.22 M	6.22 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
203 M	6.22 M	75.8 M

Retained Earnings of other stocks in the Banks regional industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Eagle Bancorp Montana EBMT	112 M	$ 20.91	0.78 %	$ 163 M	USA
Enterprise Financial Services Corp EFSC	1.02 B	$ 59.82	0.97 %	$ 2.21 B	USA
Eagle Bancorp EGBN	838 M	$ 28.32	0.26 %	$ 859 M	USA
Equity Bancshares EQBK	205 M	$ 47.54	0.13 %	$ 870 M	USA
First Bank FRBA	63.4 M	$ 17.69	1.6 %	$ 352 M	USA
Esquire Financial Holdings ESQ	198 M	$ 118.02	0.11 %	$ 951 M	USA
First Business Financial Services FBIZ	306 M	$ 70.64	0.17 %	$ 576 M	USA
FB Financial Corporation FBK	847 M	$ 52.58	2.55 %	$ 2.62 B	USA
First Bancorp FBNC	830 M	$ 61.79	0.02 %	$ 2.55 B	USA
First BanCorp. FBP	2.27 B	$ 27.1	0.15 %	$ 4.33 B	Puerto-rico
First Capital FCAP	118 M	$ 63.74	1.34 %	$ 213 M	USA
First Community Bankshares FCBC	319 M	$ 47.88	0.01 %	$ 877 M	USA
First Community Corporation FCCO	80.3 M	$ 32.58	0.18 %	$ 250 M	USA
First Commonwealth Financial Corporation FCF	1.07 B	$ 20.38	1.38 %	$ 2.1 B	USA
First Citizens BancShares FCNCA	20.8 B	$ 2 091.07	0.85 %	$ 27.2 B	USA
Fidelity D & D Bancorp FDBC	159 M	$ 55.1	0.48 %	$ 318 M	USA
First Financial Bancorp. FFBC	1.44 B	$ 31.51	1.14 %	$ 3 B	USA
First Financial Bankshares FFIN	1.49 B	$ 32.03	1.26 %	$ 4.58 B	USA
First Guaranty Bancshares FGBI	14.1 M	$ 8.7	4.69 %	$ 122 M	USA
First Hawaiian FHB	1.08 B	$ 25.04	1.45 %	$ 3.12 B	USA
First Horizon Corporation FHN	5.03 B	$ 23.36	0.19 %	$ 11.8 B	USA
First Interstate BancSystem FIBK	1.27 B	$ 35.62	0.64 %	$ 3.65 B	USA
Financial Institutions FISI	437 M	$ 39.63	1.27 %	$ 797 M	USA
Farmers & Merchants Bancorp FMAO	258 M	$ 35.37	0.03 %	$ 486 M	USA
First Mid Bancshares FMBH	464 M	$ 49.67	0.28 %	$ 1.19 B	USA
Farmers National Banc Corp. FMNB	286 M	$ 15.28	0.03 %	$ 572 M	USA
F.N.B. Corporation FNB	2.34 B	$ 17.4	0.09 %	$ 6.28 B	USA
The First Bancorp FNLC	240 M	$ 34.21	0.26 %	$ 379 M	USA
First Northwest Bancorp FNWB	91.7 M	$ 9.85	0.25 %	$ 86.6 M	USA
Franklin Financial Services Corporation FRAF	155 M	$ 62.96	0.19 %	$ 281 M	USA
First Merchants Corporation FRME	1.41 B	$ 39.77	0.1 %	$ 2.29 B	USA
FS Bancorp FSBW	280 M	$ 44.43	0.23 %	$ 335 M	USA
Fulton Financial Corporation FULT	2.02 B	$ 22.69	0.02 %	$ 4.12 B	USA
First United Corporation FUNC	207 M	$ 43.37	0.16 %	$ 281 M	USA
FVCBankcorp FVCB	151 M	$ 17.7	1.08 %	$ 321 M	USA
First National Corporation FXNC	109 M	$ 29.96	0.18 %	$ 269 M	USA
German American Bancorp GABC	583 M	$ 49.28	0.13 %	$ 1.81 B	USA
Glacier Bancorp GBCI	1.16 B	$ 43.75	1.15 %	$ 5.24 B	USA
Greene County Bancorp GCBC	278 M	$ 34.33	0.2 %	$ 584 M	USA
Grupo Financiero Galicia S.A. GGAL	-1.2 T	$ 38.25	6.58 %	$ 56.7 B	Argentina
Great Southern Bancorp GSBC	537 M	$ 79.47	0.25 %	$ 906 M	USA
Hanmi Financial Corporation HAFC	394 M	$ 31.5	0.03 %	$ 940 M	USA
Huntington Bancshares Incorporated HBAN	6.35 B	$ 15.29	0.1 %	$ 22.6 B	USA
Home Bancorp HBCP	285 M	$ 67.37	0.16 %	$ 524 M	USA
Horizon Bancorp HBNC	255 M	$ 19.24	2.96 %	$ 894 M	USA
HBT Financial HBT	367 M	$ 36.31	0.08 %	$ 1.14 B	USA
Home Federal Bancorp of Louisiana HFBL	16.4 M	$ 24.16	1.26 %	$ 72.8 M	USA
Heritage Financial Corporation HFWA	422 M	$ 27.88	0.9 %	$ 948 M	USA
Home Bancshares (Conway, AR) HOMB	2.26 B	$ 28.57	0.07 %	$ 5.64 B	USA
Hope Bancorp HOPE	1.17 B	$ 13.57	0.04 %	$ 1.71 B	USA