olivLaw · US equity research
MVB Financial Corp. MVBF
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
MVB Financial Corp. is the holding company of a bank with a dual profile: commercial and retail banking in West Virginia and Northern Virginia, and a Fintech platform serving payments, banking-as-a-service and gaming companies across the United States. In the second quarter of 2026 it reported net income of $ million, while total loans reached $ billion, showing the company's current growth momentum.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 30 Oct 2026, MVB Financial Corp. (MVBF) stock was 25.47 USD (−14.36% on the day), with market capitalisation 330.3 m USD, P/E 8.6 on diluted EPS of 2.96 USD over the last 12 months, dividend yield 2.67%, beta 0.73, 52-week range 24.40–31.62 USD. Latest reported quarter (Q2 2026): net income of 12.3 m USD (+511.9% YoY), diluted EPS 0.93 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 22.5
- oversold (≤ 30)
- Bollinger (20, 2)
- 27.37 – 31.18
- below the lower band · %B -0.50 · band width 13.0%
- SMA 50 / 200
- 29.97 / 28.09
- mixed trend
- MACD (12, 26, 9)
- -0.38 / -0.20
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −12.4% | −0.9% | −11.4 pp | — |
| 3 months | −16.9% | +1.2% | −18.1 pp | — |
| 6 months | −0.8% | +4.8% | −5.7 pp | — |
| Year to date | −1.4% | +10.7% | −12.1 pp | — |
| 1 year | −3.1% | +11.1% | −14.2 pp | +28.8% |
| 3 years | +29.6% | +80.7% | −51.1 pp | +85.6% |
| 5 years | −40.3% | +64.6% | −104.9 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Depreciation & amortisation | 930.0 k ≈ | 860.0 k | 776.0 k | 782.0 k ≈ | 598.0 k ≈ | 443.0 k | 423.0 k | 418.0 k ≈ |
| Pre-tax income | 2.8 m | 12.2 m | 4.8 m | 3.2 m | 23.4 m | 5.5 m | 6.7 m | 16.0 m |
| Income tax | 642.0 k | 2.8 m | 1.2 m | 1.2 m | 6.3 m | 1.2 m | 1.5 m | 3.7 m |
| Net income | 2.1 m | 9.4 m | 3.6 m | 2.0 m | 17.1 m | 4.2 m | 5.2 m | 12.3 m |
| Diluted EPS | 0.16 | 0.72 | 0.27 | 0.15 | 1.32 | 0.32 | 0.39 | 0.93 |
| Operating cash flow | 8.6 m ≈ | -10.5 m | 14.1 m | 7.4 m ≈ | -2.6 m ≈ | -15.0 m | -23.3 m | 5.2 m ≈ |
| Capex | 309.0 k ≈ | 134.0 k | 261.0 k | 191.0 k ≈ | 955.0 k ≈ | 508.0 k | 140.0 k | 329.0 k ≈ |
| Dividends paid | 6.1 m ≈ | 2.2 m | 2.2 m | 2.2 m ≈ | 2.1 m ≈ | 2.2 m | 2.2 m | 2.2 m ≈ |
| Share repurchases | 0 ≈ | 0 | — | — | 3.6 m ≈ | 142.0 k | — | — |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 10 percentile of its own 39-quarter history (min 5.9, median 12.0, max 30.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2.2 m | 3.4 m | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | −2.0% | +51.9% | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 12.0 m | 27.0 m | 37.4 m | 39.1 m | 15.0 m | 31.2 m | 20.2 m | 26.9 m |
| Net income YoY | +58.5% | +124.9% | +38.6% | +4.6% | −61.5% | +107.6% | −35.2% | +33.0% |
| Diluted EPS | 1.00 | 2.20 | 3.06 | 3.10 | 1.17 | 2.40 | 1.53 | 2.06 |
| Diluted EPS YoY | +47.1% | +120.0% | +39.1% | +1.3% | −62.3% | +105.1% | −36.2% | +34.6% |
| net % | 536.3% | 793.9% | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | 4.0 m | -10.1 m | 105.6 m | 30.0 m | 4.3 m | 56.3 m | -1.9 m | 2.1 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 244.1 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 334.0 m USD
- Total assets
- 3.3 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 8.4%
- ROA
- 0.8%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 68.8 m | 77.2 m | 111.8 m | 123.3 m | 109.2 m | 107.4 m | SEC (XBRL)· 12 Mar 2026verified |
| Net fee income | 91.8 m | 55.9 m | 27.6 m | 19.7 m | 42.9 m | 60.3 m | SEC (XBRL)· 12 Mar 2026verified |
| Non-interest expense | 97.1 m | 91.8 m | 110.1 m | 117.6 m | 122.2 m | 122.1 m | SEC (XBRL)· 12 Mar 2026verified |
| Pre-tax income | 46.9 m | 47.5 m | 15.0 m | 27.3 m | 26.3 m | 36.9 m | SEC (XBRL)· 12 Mar 2026verified |
| Net income | 37.4 m | 39.1 m | 15.0 m | 31.2 m | 20.2 m | 26.9 m | SEC (XBRL)· 12 Mar 2026verified |
| Diluted EPS | 3.06 | 3.10 | 1.17 | 2.40 | 1.53 | 2.06 | SEC (XBRL)· 12 Mar 2026verified |
| Dividend per share | 0.36 | 0.51 | 0.68 | 0.68 | 0.68 | 0.68 | SEC (XBRL)· 12 Mar 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 263.9 m | 307.4 m | 40.3 m | 398.2 m | 317.9 m | 244.1 m | SEC (XBRL)· 12 Mar 2026verified |
| Loans | 1.4 bn | 1.9 bn | 2.3 bn | 2.3 bn | 2.1 bn | 2.3 bn | SEC (XBRL)· 12 Mar 2026verified |
| Total assets | 2.3 bn | 2.8 bn | 3.1 bn | 3.3 bn | 3.1 bn | 3.3 bn | SEC (XBRL)· 12 Mar 2026verified |
| Total liabilities | 2.1 bn | 2.5 bn | 2.8 bn | 3.0 bn | 2.8 bn | 3.0 bn | SEC (XBRL)· 12 Mar 2026verified |
| Equity | 239.5 m | 275.3 m | 261.4 m | 289.3 m | 305.8 m | 334.0 m | SEC (XBRL)· 12 Mar 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 4.3 m | 6.0 m | 8.4 m | 8.6 m | 8.8 m | 8.7 m | SEC (XBRL)· 12 Mar 2026verified |
| Share repurchases | 15.7 m | 0 | 0 | 0 | 0 | 10.2 m | SEC (XBRL)· 12 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 68 / 100
A scoring methodology on indicators and valuation, not investment advice.
score >= 65 · margin_of_safety >= 0.15 · agreement in ['high', 'medium']
Closing price
30 Oct 2026Source: olivLaw, closing series
Market cap: 330.3 m USD
Key indicators
Coverage and freshness
Score by group
- Quality46
- Returns50
- Valuation92
- Growth100
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 27.58 – 43.50 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income27.58 – 28.85 (Mid 28.20)
- Justified P/B32.34 – 43.50 (Mid 37.10)
- Dividend discount (DDM)outside the aggregate8.94 – 12.02 (Mid 10.25)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E31.87 – 37.57 (Mid 35.23)36 companies used · median multiple 11.9x · quartiles 10.8x – 12.7xALLY, BANR, BNY, BSRR, CATY, CBSH, CFFI, CFG, CIVB, COFS, COLB, COSO, CPF, CZFS, EFSI, EWBC, FBP, FMNB, FVCB, GABC, GBFH, HTH, MCHB, MNSB, MTB, NTRS, NWFL, OFG, OPBK, QCRH, SBFG, STT, TCBK, UBCP, UBSI, WAL
- Peers: P/B30.12 – 38.00 (Mid 33.20)35 companies used · median multiple 1.2x · quartiles 1.1x – 1.4xALLY, BANR, BRBS, BSRR, CATY, CBSH, CFFI, CFG, CIVB, COFS, COLB, COSO, CPF, CZFS, EFSI, EWBC, FBP, FITB, FMNB, FVCB, GABC, GBFH, HTH, MNSB, MTB, NWFL, OFG, OPBK, QCRH, SBFG, STT, TCBK, UBCP, UBSI, WAL
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Attractive profile · Score 68/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 12.0% | 62 (vs peers) | 20% |
| ROA · Quality | 1.1% | 53 (on a fixed band) | 8% |
| Cost-to-income · Quality | 65.6% | 0 (on a fixed band) | 13% |
| Net interest margin · Quality | 3.4% | 77 (on a fixed band) | 8% |
| EPS CAGR 3Y · Growth | 18.9% | 100 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 18.1% | 100 (on a fixed band) | 8% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | unavailable | unavailable | — |
| P/B · Valuation | 1.0x | 89 (vs peers) | 13% |
| P/E (TTM) · Valuation | 8.6x | 95 (vs peers) | 13% |
| Dividend yield · Returns | 2.7% | 50 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth100/100 · 2/2 factors with a value
- Quality46/100 · 4/4 factors with a value
- Returns50/100 · 1/1 factors with a value
- Valuation92/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
MVB Financial Corp (MVBF). Latest full fiscal year: 2019; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 107.4 m USD in 2025; YoY growth 51.9%; ROE 12.0%.
The estimated value range is 30.99–37.78 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 34.21 USD, the price of 25.47 USD leaves a potential of 34.3% (value / price − 1) and a margin of safety of 25.6% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 68/100, methodological classification: attractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- Net interest margin: 3.4%
- EPS CAGR 3Y: 18.9%
- Revenue CAGR 3Y: 18.1%
- P/B: 1.0x
- P/E (TTM): 8.6x
- The price is below the estimated value range
What contradicts it
- Cost-to-income: 65.6%
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk, Loan-to-deposit.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 99.0 bn | 16.2 | 15.0% | 32.6% | +7.8% | +36% / +246% |
| FITBFifth Third Bancorp | 48.9 bn | 18.1 | 8.4% | — | −2.0% | +29% / +127% |
| STTState Street Corporation | 46.2 bn | 13.6 | 13.1% | 23.8% | +7.3% | +47% / +163% |
| MTBM&T Bank Corp | 31.9 bn | 11.5 | 10.7% | 178.1% | +7.5% | +20% / +96% |
| NTRSNorthern Trust Corporation | 30.6 bn | 13.0 | 18.4% | 28.8% | −2.5% | +31% / +157% |
| CFGCitizens Financial Group Inc | 26.7 bn | 12.6 | 8.9% | 25.4% | +5.6% | +25% / +172% |
| EWBCEast West Bancorp, Inc. | 17.9 bn | 12.6 | 16.6% | — | +4.4% | +29% / +144% |
| ALLYAlly Financial Inc. | 11.6 bn | 8.8 | 9.7% | 16.8% | −3.3% | −2% / +58% |
| COLBColumbia Banking System, Inc. | 8.7 bn | 12.2 | 11.0% | 401.7% | +18.8% | +15% / +56% |
| WALWestern Alliance Bancorporation | 8.2 bn | 8.4 | 13.3% | 436.5% | +99.7% | −1% / +86% |
| CBSHCommerce Bancshares, Inc. | 7.9 bn | 13.5 | 14.6% | — | unavailable | +10% / +45% |
| UBSIUnited Bankshares Inc | 6.6 bn | 13.1 | 9.5% | — | −5.7% | +35% / +70% |
| CATYCathay General Bancorp | 4.3 bn | 12.6 | 11.7% | 590.4% | +2.9% | +42% / +90% |
| FBPFirst Bancorp | 4.0 bn | 11.0 | 19.5% | 29.0% | +2.4% | +34% / +96% |
| BANRBanner Corporation | 2.4 bn | 11.4 | 10.8% | — | unavailable | +15% / +64% |
| OFGOFG Bancorp | 2.1 bn | 9.8 | 16.1% | — | unavailable | +29% / +69% |
| HTHHilltop Holdings Inc. | 2.1 bn | 15.5 | 6.6% | — | unavailable | +15% / +34% |
| GABCGerman American Bancorp, Inc. | 1.8 bn | 12.9 | 12.5% | 28.2% | +37.8% | +27% / +79% |
| TCBKTriCo Bancshares | 1.7 bn | 12.6 | 10.4% | 249.7% | +4.1% | +19% / +62% |
| QCRHQcr Holdings, Inc. | 1.7 bn | 12.0 | 12.9% | — | +46.3% | +36% / +114% |
| CPFCentral Pacific Financial Corp | 966.4 m | 11.5 | 14.9% | 165.3% | +33.8% | +33% / +141% |
| FMNBFarmers National Banc Corp | 926.6 m | 10.6 | 10.9% | 20.5% | +3.9% | +20% / +39% |
| CIVBCivista Bancshares, Inc. | 587.0 m | 10.8 | 11.2% | 276.9% | −0.5% | +31% / +94% |
| BSRRSierra Bancorp | 543.3 m | 10.8 | 14.0% | — | unavailable | +46% / +138% |
| COFSChoiceOne Financial Services, Inc. | 530.2 m | 9.8 | 12.0% | 42.0% | +63.6% | +24% / +88% |
1- and 3-year price returns: for MVBF from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 05 Aug 2026; since then the company filed 8-K (29 Oct 2026 · results).
In brief
MVB Financial Corp. is the holding company of a bank with a dual profile: commercial and retail banking in West Virginia and Northern Virginia, and a Fintech platform serving payments, banking-as-a-service and gaming companies across the United States. In the second quarter of 2026 it reported net income of $1 million, while total loans reached $2 billion, showing the company's current growth momentum.
SWOT
Strengths
- The company has a diversified Fintech platform that brings noninterest-bearing deposits and fee income, a stable funding source 13.
- Steady loan and deposit growth, together with solid capital, provides a base for expansion 3.
- Experience in selling and incubating Fintech assets shows an ability to generate gains from innovation 12.
Weaknesses
- A large part of the loan book is concentrated in commercial real estate, which makes losses harder to anticipate 1.
- Dependence on a few Fintech and gaming industries increases exposure to regulatory or market changes 1.
- Revenue is sensitive to occasional investment gains that do not recur regularly, making profit harder to forecast 2.
Opportunities
Risks
- Exposure to nonresidential commercial loanshigh
Nonresidential loans carry more risk than residential mortgages, and one weak credit can affect several borrowers in the same group 1. If losses rise, provisions could reduce profit 1.
- Sensitivity of revenue to interest rateshigh
Net interest income is the main revenue source, and rate changes can affect margins in different ways for assets and liabilities 1. If rates rise, deposits could be withdrawn for higher-yielding alternatives 1.
- Secondary market for mortgagesmedium
ICM and Warp Speed depend on the ability to sell mortgages in the secondary market, which is dominated by Fannie Mae and Freddie Mac 1. Changes affecting these entities could reduce the value of the investments 1.
- Geographic and real estate concentrationmedium
Most loans are secured by property in a few states, and falling property values could reduce collateral 1. Extreme weather events could also affect clients and collateral 1.
- Deposit risk and banking contagionmedium
Problems at other banks could trigger deposit outflows and sector instability, and demand for noninterest-bearing deposits could fall 1. A possible FDIC special assessment could increase expenses 1.
Investment thesis
What would need to be true (bull case)
- Steady growth in loans, deposits and net interest margin during 2026 could show that the Fintech and traditional banking models complement each other well 3.
- Diversifying payments-related deposits and fee income could reduce dependence on interest and on occasional gains 13.
- The ability to incubate and sell Fintech assets, as with Victor, could create additional value for shareholders 13.
What would break the thesis
- Second-quarter 2026 profit includes an occasional gain, and without it revenue growth could look more modest 2.
- Rising provisions and new loans could show that credit risk grows as the portfolio expands 3.
- Concentration in Fintech and gaming industries could expose the bank to regulatory changes or rapid deposit withdrawals 1.
What to watch
- Trend in adjusted net interest margin and deposit costsQ3 2026
- Level of credit loss provisions and trend in nonperforming loansQ3 2026
- Growth in payments-related Fintech deposits and fee income2026
- Development of the specialty lending platform and its costsnext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 05 Aug 2026; since then the company filed 8-K (29 Oct 2026 · results).
The business
MVB Financial Corp. is a financial holding company organized in 2003 in West Virginia that operates mainly through MVB Bank, Inc. Banking is split into two: commercial and retail (CoRe) services, with deposits, commercial, mortgage and consumer loans, and Fintech banking for corporate clients in payments, banking-as-a-service and gaming 1. The company also runs professional services through Paladin Fraud and holds stakes in ICM and Warp Speed, mortgage-related assets 1.
The CoRe primary market covers North Central West Virginia and Northern Virginia, with seven full-service branches, six in West Virginia and one in Virginia 1. However, a significant part of lending goes to borrowers outside the region, mostly healthcare facilities secured by commercial real estate and SBA programs 1. Fintech clients are considered to be located throughout the United States 1.
In 2025 the company sold substantially all assets and operations of Victor to Jack Henry, recording a $34.2 million pre-tax gain, and in January 2025 it exited Trabian, which is no longer consolidated 1. This portfolio change shows the business model moving further toward Fintech banking and occasional investment gains.
Segments
CoRe Banking
The CoRe segment, which includes the Fintech division, covers the bank's deposit and lending products. Revenue comes mainly from interest on loans and securities, and from service charges on deposit accounts 1. Net interest income is the bank's primary revenue source and declined slightly in 2025 to $3 million 1.
Market context
The company operates in the US banking market, with a local presence in West Virginia and Northern Virginia and national exposure in Fintech. Competition for deposits comes from commercial banks, savings associations, money market funds, credit unions, as well as online-only neobanks 1. Profitability depends on interest rate changes, funding costs and the secondary mortgage market 1.
Market dynamics show pressure on deposit costs and a net interest margin that improved in 2026 as loans grew and noninterest-bearing deposits increased 3. If this trend holds, the local market and Fintech activity could support growth, but concentration in a few industries remains a risk factor 1.
Trends
- Interest rate cyclemixed
The Federal Reserve lowered its key rate in December 2025 to a range of 3.50% - 3.75% 2. The decline in the cost of interest-bearing liabilities outpaced the decline in asset yields, which improved the margin 1. A renewed rise in rates could reduce the value of the securities portfolio 1.
- Credit quality and provisionsheadwind
Provisions rose in the second quarter as loans expanded and some isolated credits required specific reserves 3. The resolution of the largest nonperforming loan reduced problem exposure, but large commercial loans remain sensitive to the economy 1.
- Fintech and investment monetizationmixed
The sale of Victor and the Fintech investment gain show the company can monetize in-house innovation 12. However, these are occasional gains that do not recur regularly, which makes revenue harder to forecast 2.
Competitive position
Lending competition comes from other commercial banks, savings associations, insurance companies, government agencies, credit unions and brokerage firms, with interest rates, loan terms and services as key factors 1. For deposits, competition also includes online-only Fintech-focused banks and neobanks 1.
Fintech companies compete directly and in partnership with banks in lending, deposits, cards, digital wallets and mobile payments 1. The company responds with a model that integrates banking services with technology and a relationship-focused approach rather than competing solely on interest rates 1.
- Regional commercial banks
Compete for deposits and commercial loans in the West Virginia and Northern Virginia markets with similar rate and service offerings 1.
- Digital banks and neobanks
Compete for deposits through online products and technology, named in the source as part of deposit competition 1.
- Fintech companies with integrated banking services
Offer payments, cards and mobile payment solutions directly, competing with and partnering alongside banks 1.
- Mortgage lending operators
Compete with ICM and Warp Speed, the company's mortgage-related assets, in the US mortgage market 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report29 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report29 Oct 2026Results of operations · Financial statements and exhibits
- Current report19 Aug 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report05 Aug 2026
- Current report28 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report28 Jul 2026Results of operations · Financial statements and exhibits
- Current report20 May 2026Shareholder vote · Regulation FD disclosure · Financial statements and exhibits
- Quarterly report06 May 2026
- Current report29 Apr 2026Regulation FD disclosure · Financial statements and exhibits
- Current report29 Apr 2026Results of operations · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / MVB Financial Corp. · 12 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / MVB Financial Corp. · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / MVB Financial Corp. · 28 Jul 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.