MVB Financial Corp.

$ 27.63 1.73 %

MVB Financial Corp. operates as a financial holding company, delivering a comprehensive suite of financial services to both individual consumers and corporate clients. The company serves customers across the Mid-Atlantic region and extends its reach internationally. Its operations are structured into three primary divisions: CoRe Banking, Mortgage Banking, and Financial Holding Company. Within its core banking offerings, MVB provides a variety of deposit accounts, including checking, savings, money market, and certificates of deposit. The company also extends credit solutions, such as commercial, consumer, and real estate mortgage loans, alongside various lines of credit. An array of supplementary banking services includes debit cards, cashier's checks, safe deposit box rentals, and non-deposit investment options. Notably, it also specializes in financial technology (Fintech) banking services. Beyond traditional banking, MVB Financial Corp. offers title insurance. It further provides an integrated range of services encompassing regulatory compliance, state licensing, financial crime prevention, and enterprise risk management; these solutions cover consulting, outsourcing, testing, and training. Moreover, the firm delivers customizable fraud prevention services designed for merchants, credit agencies, Fintech companies, and other vendors. It also engages in consulting for the development of online and mobile banking platforms and digital products for Fintech entities, concurrently undertaking software development projects. As of December 31, 2021, MVB maintained a physical presence with eight full-service branches, comprising six in West Virginia and two in Virginia. Established in 1997, the company's headquarters are situated in Fairmont, West Virginia.

CEO: Michael R. Sumbs - https://www.mvbbanking.com

Price objectif

$30 8.58 %

Recommandation

Buy

DCF

$ 34.34

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MVBF vs S&P500

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Quick ratio

5.97

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

12.67

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.18

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

8.79 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

0.86 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

19.99

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.17

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

-2.77

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

30.44 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
0.26 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
2.11 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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