MVBF
MVB Financial Corp.Financial Services·Banks - Regional
$26.75
$344M market cap
Revenue
$109.3M
Free Cash Flow
$-39.1M
Rev Growth
+0.0%
FCF Margin
-35.8%
P/FCF
--
EV/FCF
--
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. 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 c
2-Year Price History
$25.78+49.0%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 53.0 | 6.7 | 6.7 | 5.2 | -23.3 | -23.5 | -0.1 | 9.4 | 58.5 | 13.2 | 12.5% | 0.4x | -- |
| Act | 2025-Q4 | 56.4 | 5.5 | 5.5 | 4.2 | -15.0 | -15.7 | -0.7 | 249.9 | 77.4 | 13.1 | 9.1% | 0.3x | -- |
Valuation & Metrics
Market Stats
Price$26.75
Market Cap$344M
Enterprise Value$393M
P/S Ratio3.1x
P/FCF--
EV/FCF--
FCF Margin (TTM)-35.8%
FCF Yield-11.4%
Dividend Yield (TTM)2.5%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$109.3M
Net Income$9.4M
Free Cash Flow$-39.1M
Revenue Growth (YoY)+0.0%
EBITDA Margin11.1%
Net Margin8.6%
FCF Margin-35.8%
CapEx % of Revenue0.8%
SBC % of Revenue0.0%
ROIC10.8%
WC Change % Rev-15.6%
Interest Coverage0.4x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover9.9
Change (vs Prior)+11.4%
Need at least 2 settlement dates for chart
Employees
Headcount453
Revenue / Employee$241,355
Gross Profit / Employee$158,728
Cash Runway
2.9months
CRITICAL
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
33.2%(+11.5% YoY)
97 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
20.3%(+5.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $43.9M | $24.17 | −$240K | +$15.3M | -0.3% | $533.98B |
| BlackRock, Inc.Passive | $23.3M | $18.42 | −$348K | −$4.7M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $12.6M | $21.90 | +$488K | +$2.3M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $12.5M | $24.83 | +$12.5M | +$12.5M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $6.7M | $20.10 | +$97K | −$133K | +2.3% | $1.61T |
| AMERIPRISE FINANCIAL INC | $6.1M | $24.94 | +$213K | +$6.1M | -0.1% | $430.96B |
| STATE STREET CORPPassive | $6.0M | $20.84 | +$100K | +$195K | -0.2% | $2.89T |
| ENDEAVOUR CAPITAL ADVISORS INC | $4.7M | $20.36 | −$2K | −$2K | -1.9% | $441M |
| KENNEDY CAPITAL MANAGEMENT LLC | $3.1M | $24.35 | +$90K | +$3.1M | -1.5% | $4.72B |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $2.9M | $24.83 | +$2.9M | +$2.9M | -0.2% | $1.96B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2.9M | $21.27 | −$36K | −$1.2M | -2.3% | $4.93B |
| ACADIAN ASSET MANAGEMENT LLC | $2.8M | $24.12 | +$843K | +$2.3M | -0.5% | $70.48B |
| BANC FUNDS CO LLC | $2.3M | $23.09 | +$1.4M | −$446K | -1.3% | $537M |
| NORTHERN TRUST CORPPassive | $2.2M | $20.82 | +$88K | −$127K | -0.2% | $755.34B |
| DIAMOND HILL CAPITAL MANAGEMENT INC | $2.2M | $25.45 | +$570K | +$2.2M | -1.4% | $15.99B |
| Pure Financial Advisors, LLC | $2.1M | $27.75 | +$0 | +$0 | +0.0% | $6.90B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.9M | $24.83 | +$1.9M | +$1.9M | — | $395.83B |
| AMERICAN CENTURY COMPANIES INC | $1.9M | $22.06 | −$936K | −$840K | +0.7% | $193.48B |
| CITADEL ADVISORS LLC | $1.9M | $23.82 | +$39K | +$1.4M | -0.4% | $138.22B |
| GOLDMAN SACHS GROUP INC | $1.8M | $22.49 | +$340K | +$251K | -0.2% | $760.93B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.39%
avg per quarter
Holders (ex-self)
-0.38%
excl. this stock
Buyers (this Q)
-0.32%
39 buyers · $0.03B in
Sellers (this Q)
-0.01%
31 sellers · $0.01B out
alpha coverage: 91% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+16.4%
how holders react when this stock falls
On quiet Qs
-5.9%
−10% to +10% baseline
On rallies (+10%+)
+2.7%
how they react when this stock rises
Holders' portfolio flow this Q
+1.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.7%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-3.7%
Holder mid (any stock)
-3.6%
Holder rally (any stock)
-5.5%
Biggest decreases this quarter
Ategra Capital Management, LLC−$979Kα+0.6AMERICAN CENTURY COMPANIES INC−$936Kα+0.7JANE STREET GROUP, LLCexited−$773KRENAISSANCE TECHNOLOGIES LLCexited−$550KJ.W. COLE ADVISORS, INC.exited−$536KTWO SIGMA INVESTMENTS, LP−$363Kα-0.9BlackRock, Inc.−$348Kα-0.2FRANKLIN RESOURCES INCexited−$281KWELLINGTON MANAGEMENT GROUP LLP−$240Kα-0.3Point72 Asset Management, L.P.exited−$215K
New buyers this quarter
Top-5 holders · 56.0%
WELLINGTON MANAGEMENT GROUP LLP--
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
GEODE CAPITAL MANAGEMENT, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP1.8MTimesSquare Capital Management, LLC—EJF Capital LLC—ENDEAVOUR CAPITAL ADVISORS INC188KBanco Santander, S.A.—OFFIT CAPITAL ADVISORS LLC—SECOND CURVE CAPITAL LLC—BRIDGEWAY CAPITAL MANAGEMENT, LLC116KFourthstone LLC—AMERIPRISE FINANCIAL INC247K
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$30.001210.0%
Current Price$26.75
Analyst Ratings
5
3
Buy: 5Hold: 3Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$66K
2 txns · 2 insiders · 2,500 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-12-05 | BUY | Cordella Richard James JR | director | 500 | $27.70 | $14K | $14K |
| 2025-11-03 | BUY | Sumbs Michael Robert | officer: Chief Financial Officer | 2,000 | $26.00 | $52K | $52K |
Order Flow (FINRA, ~3w lag)
5.0%retail-3.9pp
15.7%dark-4.3pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
MVB Financial Corp: Administrative Metadata Offers Minimal Forensic Visibility
Overall Risk
3/10
Fraud
1/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
5/10
Hidden Liabilities
2/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10