MVB Financial Corp. (MVBF) carries a Roarable Rating of D+ (Sell) with 58/100 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.
As of 2026-11-01, MVB Financial Corp. (NASDAQ: MVBF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 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 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, MVBF ranks #615 in composite RQD confidence.
Within the Financials sector (Major Banks), MVBF carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, PKBK (Parke Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 10.3x, ROIC 11.6%, cap $387.5M) and ISTR (Investar Holding Corporation) posts a C grade (63/100 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 72% of 52W Range • RSI-14 at 22.6 (OVERSOLD (<32))
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
Even with a 58/100 (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.
Company executives have done more routine share selling than personal cash buying lately.
Dilution & Margin Drag: Disciplined Float (+0.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.97) or 200D SMA ($28.09) invalidates the momentum regime and cuts Target Base ($29.74) toward Bear Floor ($23.20).
MVB Financial Corp. (MVBF) advanced +0.34% to $29.74, trading at 72% of its 52-week range ($23.99 – $31.99). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
MVB Financial holders woke up to a jolt. The stock closed at US$29.74 before the Q3 2026 release and now trades near US$25.47, a slide of about 14% as traders react to a sharp quarterly earnings slowdown. The headline is
Fintech deposits surged 28% as management deployed AI to cut costs and boost margins.
Moby summary of MVB Financial Corp.'s Q3 2026 earnings call
MVB Financial Corp. (MVBF) Q3 2026 Earnings Call October 29, 2026 5:00 PM EDTCompany ParticipantsAmy BakerLarry Mazza - President, CEO & Non-Independent...
Mvb Financial (NASDAQ:MVBF) reported third-quarter net income of approximately $438,000, or $0.03 per diluted share, as a higher provision for credit losses and the absence of a prior-quarter investment gain weighed on r
MVB Financial's Q3 2026 revenue met estimates, but EPS missed sharply on a $9.9M credit provision despite higher NII and fintech deposit growth.
MVB Financial (MVBF) delivered earnings and revenue surprises of -90.24% and +1.85%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(MVBF) on Thursday reported net income of $438,000 in its third quarter.The bank, based in Fairmont, West Virginia, said it had earnings of 3 cents per share.
FAIRMONT, W. Va., October 29, 2026--MVB Financial Corp. Announces Third Quarter 2026 Results; Company to Host a Conference Call and Webcast at 5:00 PM ET
MVB Financial (NASDAQ:MVBF) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.Benzinga APIs provide real-time access to earnings
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MVBF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MVBF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, MVB Financial Corp. (MVBF) ranks #615 by composite RQD confidence (58/100, 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. PKBK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with MVBF at 58/100 (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+ | 58/100 | — | — | 0.0% | +0.34% | $385.7M | Benchmark Subject |
| PKBK Parke Bancorp Inc. | B- | 70/100 | 10.3x | — | 11.6% | +0.37% | $387.5M | /pkbk-vs-mvbf → |
| ISTR Investar Holding Corporation | C | 63/100 | 16.7x | — | 7.6% | +0.62% | $383.4M | /istr-vs-mvbf → |
| NWFL Norwood Financial Corp. | C | 65/100 | 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 → |
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 | — | — |
As of 2026-11-01, MVB Financial Corp. (NASDAQ: MVBF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 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 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, MVBF ranks #615 in composite RQD confidence.
Within the Financials sector (Major Banks), MVBF carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, PKBK (Parke Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 10.3x, ROIC 11.6%, cap $387.5M) and ISTR (Investar Holding Corporation) posts a C grade (63/100 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).
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.
MVBF last traded at $29.74 (+0.34% on volume of 58,640 shares), positioning the stock -0.77% below its 50-day simple moving average ($29.97) and +5.87% above its 200-day simple moving average ($28.09). Across its 52-week range of $23.99 to $31.99, MVBF sits at the 71.9% percentile with a 14-day RSI of 22.6 (OVERSOLD (<32)) and an implied next-earnings move of ±6.4% ($27.84 to $31.64).
Why MVBF Stock advanced +0.34% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
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