MVB Financial Corp. (MVBF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$25.57-1.69%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · MVBF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 19.7% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| -5.5% |
Growth built into the price is above our model estimate.
The price assumes 25.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has been missing across recent quarters and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
MVBF — earnings miss
Dated 2026-10-29
Results of Operations and Financial Condition. On October 29, 2026 , MVB Financial Corp. issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this report. In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1 , is hereby furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities and Exc…
Why it matters: Payment card and service charge income fell from Q2, but rose from a year ago. A rebound would support the payments growth plan.
Supportive ifPayment card and service charge income rises above $5.2 million in a later quarter.
Worry ifPayment card and service charge income stays at or below $5.2 million in the next reported quarter.
Why it matters: Nine new partners launched in 2026 so far. These partners had added about $305 million in deposits and $3.5 million in revenue by September.
Supportive ifA later company update reports more than nine 2026 partner launches. Deposits rise above $305 million, or new partners bring in more than $3.5 million in revenue.
Worry ifA later update reports no new 2026 partner launches. Or, deposits and revenue from new partners fall below September figures.
Why it matters: The Q3 provision cut net income to $0.4 million. A lower provision would ease pressure on earnings.
Worry ifQ4 provision for credit losses is at least $9.9 million, or net charge-offs exceed 0.41% of average loans.
Less concerning ifQ4 provision falls below $9.9 million and net charge-offs fall below 0.41% of average loans.
Why it matters: Payments deposits grew to $766 million, while total funding costs fell. This can support the bank's margin and funding mix.
Supportive ifPayments deposits rise above $766 million and total cost of funds falls below 2.07%.
Worry ifPayments deposits fall below $766 million and total cost of funds rises above 2.07%.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $262 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,999 loss on $10,000 · 20.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: One land loan caused most of the Q3 rise in nonperforming loans. Further trouble could point to added credit losses.
Worry ifNonperforming loans rise above $46.8 million. Or, the land loan needs another specific reserve or charge-off.
Less concerning ifNonperforming loans fall below $46.8 million and the land loan needs no added reserve or charge-off.