MVB FINANCIAL CORP
MVBFOther · Accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $3.6M | $4.5M | $11.3M | $15.0M | $39.1M | $37.4M |
| Total assets | $3.31B | $3.13B | $3.31B | $3.07B | $2.79B | $2.33B |
| Total liabilities | $2.97B | $2.82B | $3.02B | $2.81B | $2.52B | $2.09B |
| Equity | $334.0M | $305.7M | $289.4M | $261.1M | $274.3M | $239.5M |
| EPS (diluted) | $0.27 | $0.34 | $2.40 | $1.17 | $3.10 | $3.06 |
| Shares out. | 12.9M | 12.8M | 12.6M | 12.1M | 11.6M | 11.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.1%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.9%
- Debt / equity
- 8.91×
- Book value / share
- $25.79
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −20.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.0%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Mar 27, 2026
- Timessquare Capital Management, LlcPassive (13G)Jan 9, 2026
- Wellington Management Group LlpPassive (13G)Aug 5, 2025
- Bay Pond Partners, L.P.Passive (13G)Jul 23, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Greathouse Craig BradleyOfficer — Chief Administrative Officer | May 1, 2026 | Option exercise | 305 | $0.00 |
| Giorgio Michael LouisOfficer — CIO and COO | May 1, 2026 | Option exercise | 1,267 | $0.00 |
| Mazza Larry FOfficer — President & CEO | May 1, 2026 | Option exercise | 1,471 | $0.00 |
| Rodriguez Joseph RyanOfficer — Chief Risk and Legal Officer | May 1, 2026 | Option exercise | 1,658 | $0.00 |
| Mazza Larry FOfficer — President & CEO | Jan 29, 2026 | Option exercise | 100,000 | $12.50 |
| Rodriguez Joseph RyanOfficer — Chief Risk and Legal Officer | Jan 2, 2026 | Option exercise | 5,112 | $0.00 |
| Nelson Kelly RDirector | Dec 30, 2025 | Option exercise | 1,000 | $19.65 |
| Ebert John WDirector | Dec 12, 2025 | Option exercise | 1,000 | $12.50 |
| Cordella Richard James JrDirector | Dec 5, 2025 | Buy | 500 | $27.70 |
| Sumbs Michael RobertOfficer — Chief Financial Officer | Nov 3, 2025 | Buy | 2,000 | $26.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 256,246 | 5.9 | -4.6% |
| Apr 30, 2026 | 268,693 | 9.9 | +11.4% |
| Apr 15, 2026 | 241,094 | 7.1 | -4.0% |
| Mar 31, 2026 | 251,098 | 6.9 | -0.9% |
| Mar 13, 2026 | 253,466 | 7.5 | +12.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder vote · Regulation FD disclosureMay 20, 2026
- Regulation FD disclosureApr 29, 2026
- Results of operationsApr 29, 2026
- Regulation FD disclosureApr 8, 2026
- Director / officer changeApr 8, 2026
- Regulation FD disclosureApr 1, 2026
- Regulation FD disclosureMar 25, 2026
- Director / officer changeMar 4, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (4)
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