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MVB Financial Corp. (MVBF) — RQD Stock Rating Cockpit

$29.74 +0.34% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.70

MVB Financial Corp. (MVBF) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $385.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MVBF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MVBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, MVB Financial Corp. (NASDAQ: MVBF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $29.74 (+0.34% 1D, market cap $385.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, MVBF ranks #542 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MVBF compare to PKBK and ISTR in the Financials sector?

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Within the Financials sector (Major Banks), MVBF carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, PKBK (Parke Bancorp Inc.) holds a C grade (65/100 RQD, P/E 10.3x, ROIC 11.6%, cap $387.5M) and ISTR (Investar Holding Corporation) posts a D+ grade (52/100 RQD, P/E 16.7x, ROIC 7.6%, cap $383.4M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MVBF?

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Per MVBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001277902), MVB Financial Corp. generated $0 in revenue, $26.9K in net income, and $2.1M in free cash flow against $3.31B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.70 (-0.13%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MVBF)Realized 20D OHLCV Swing Band: ±6.3%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY MVBF SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 0.1% FCF Margin ($2.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$29.21-0.3% Next Q

Q2 (-2Q)

Grade C-$29.11+3.4% Next Q

Q3 (-1Q)

Grade C-$30.11-1.2% Next Q

Current

Grade D+$29.74-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MVBF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, MVBF faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (+0.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.95) or 200D SMA ($28.10) invalidates the momentum regime and cuts Target Base ($29.47) toward Bear Floor ($22.99).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MVBF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MVBF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE72% OF RANGE

L: $24$29.74H: $32

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on MVBF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

0.0% ROIC with 42.0% gross margin and 0.55% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (52)

19/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like MVBF

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MVBF)

✓Walkthrough of MVBF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

MVBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.82%📐 HORIZONTAL RANGE

2026-11-02O $29.64H $29.74L $29.64C $29.74VOL 58.6K

RES: $31.73SUP: $27.84SMA50: $29.95SMA200: $28.10

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MVBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MVBF Butterfly Map → + Track MVBF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on MVBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MVBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MVBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MVBF)

Financials Rank #542 of 1096 ⚔️ PKBK vs MVBF Full Matrix →

1. Head-to-Head Financials Peer Comparison (MVBF vs. PKBK, ISTR, NWFL, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, MVB Financial Corp. (MVBF) ranks #542 by composite RQD confidence (56/100, grade D+) and #760 by equity capitalization ($385.7M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while FDBC leads on capital efficiency and profitability with 11.8% ROIC and — gross margin. NWFL currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with MVBF at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MVBF ACTIVE MVB Financial Corp.	D+	56/100	—	—	0.0%	+0.34%	$385.7M	Benchmark Subject
PKBK Parke Bancorp Inc.	C	65/100	10.3x	—	11.6%	+0.37%	$387.5M	/pkbk-vs-mvbf →
ISTR Investar Holding Corporation	D+	52/100	16.7x	—	7.6%	+0.62%	$383.4M	/istr-vs-mvbf →
NWFL Norwood Financial Corp.	B	73/100	14.0x	—	11.5%	-0.67%	$388.5M	/nwfl-vs-mvbf →
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-mvbf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001277902

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MVB Financial Corp. (MVBF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.9K, operating cash flow of $4.0M, and free cash flow of $2.1M (+210.9% YoY). On the balance sheet, MVBF closed FY2025 with $3.31B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$26.9K	$4.0M	$2.1M	$3.31B	—
FY2024 (FY)	2024-12-31	$0	$20.2K	-$285.0K	-$1.9M	$3.13B	—
FY2023 (FY)	2023-12-31	$0	$31.0K	$58.2M	$58.2M	—	—

3. MVBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MVBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does MVBF compare to PKBK and ISTR in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for MVBF?

Where is MVBF trading relative to its 50-day, 200-day, and 52-week technical levels?

MVBF last traded at $29.74 (+0.34% on volume of 58,640 shares), positioning the stock -0.70% below its 50-day simple moving average ($29.95) and +5.84% above its 200-day simple moving average ($28.10). Across its 52-week range of $23.99 to $31.99, MVBF sits at the 71.9% percentile with a 14-day RSI of 51.5 (NEUTRAL RANGE) and an implied next-earnings move of ±6.3% ($27.87 to $31.61).

MVBF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell MVBF stock right now?

MVB Financial Corp. (MVBF) currently earns a Roarable Rating of D+ (Sell — SELL) with 56/100 RQD Confidence. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

What is MVBF's 12-month price target and RQD AI Jury consensus?

MVBF's 12-month base price target is $29.47 (range $22.99 to $34.77), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: MVBF RQD Cockpit MVBF 12M Forecast MVBF Earnings & Move MVBF Dividends & DRIP MVBF Insiders & 13F MVBF Whale Options MVBF Profit Sankey MVBF News & Why