MVB Financial Corp (MVBF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of MVB Financial Corp stock $21.26, price $25.91, that is 17.9% below the price, quality 47 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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MVB Financial Corp
MVBF · USOur calculation puts a fair price 18% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $15.10 – $38.50 · fair‑value band $20.25 – $23.52 · the $25.91 price screens above the $21.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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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 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. The company was founded in 1999 and is based in Fairmont, West Virginia.
Stock analysis
MVB Financial Corp (MVBF) currently trades at $25.91, while our model-based Fair Value estimate is $21.26, 18% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $27.79 per share, and 2 of the 6 models we run sit above the $25.91 price.
Bear case: the Dividend Discount group reads lowest at $9.14, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $20.25 (bear) to $23.52 (bull), the price of $25.91 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
MVB Financial Corp reported revenue of $270M in FY2025 versus $111M in FY2021, a compound +24.9%/yr. Reported net income was $26.9M in FY2025, compounding −8.9%/yr from FY2021.
Key figures
Market cap $342M Small · P/E ratio 15.4 · P/S ratio 2.31 · EPS (TTM) $1.68 · Dividend yield 2.6% · Net margin 14.9% · Return on equity 6.7% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −18%, MVBF screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $0, on Jun 12, 2026.
- BuyAdam Francis FamularoDirector1,835 shares at ?Jun 12, 2026
- BuyRichard James Cordella JRDirector500 shares at $27.70$13,850Dec 5, 2025
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
MVBF screens overvalued: fair value 18% below the price. Compare with China Merchants Bank Co →
Compare MVB Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs MVBF |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs MVBF |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs MVBF |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs MVBF |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs MVBF |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs MVBF |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs MVBF |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs MVBF |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs MVBF |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs MVBF |
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Frequently asked questions
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Key figures of MVB Financial Corp
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