NASDAQ$MVBF

Mvb Financial Corp · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

MVB Financial reported first quarter results, demonstrating adaptability to changing market conditions and growth in Fintech and gaming initiatives.

MVB Financial Corp. announced financial results for the first quarter of 2022, with a net income of $2.9 million, or $0.22 diluted earnings per share. Fintech and gaming initiatives drove growth in noninterest-bearing deposits, which now represent 52% of total deposit balances. Loan growth was robust, driven by strategic lending partnerships.

  • Fintech and Gaming initiatives drive growth in low-cost deposits, with NIB deposits up 17% from Q4 2021 and 56% from Q1 2021.
  • Total deposits increased by 5.5% compared to December 31, 2021, and 13.2% compared to March 31, 2021.
  • Total loan balances increased by 1.5% compared to December 31, 2021, and 12.6% compared to March 31, 2021.
  • The company increased the quarterly cash dividend to $0.17 per share, up 13.3% from the previous quarter and 70.0% from the same quarter last year.

Headline financials

Total Revenue

$33.7M

Previous: $30M+12.5%
EPS (adj)

$0.22

Previous: $0.66-66.7%
Net Interest Margin

3.2%

No prior period
Tier 1 Risk-Based Capital Ratio

15.0%

No prior period
Total Risk-Based Capital Ratio

15.9%

No prior period
Tangible Book Value per Share

$21.16

No prior period
Capital Expenditures

-$1.23M

Previous: -$1.44M+14.6%
Free Cash Flow

$1.64M

Previous: $6.65M-75.4%
Net Income

$2.86M

Previous: $8.09M-64.6%
Operating Income

$23.8M

Previous: $23.8M+0.0%
Gross Profit

$32.4M

Previous: $29.4M+10.3%
Cash & Equivalents

$354M

Previous: $340M+4.2%
Total Assets

$2.89B

Previous: $2.65B+9.3%
Stock-Based Comp

$674K

Previous: $592K+13.9%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$33.7M

Q1 2022+12.5%vs Q1 2021
Beat estimate in 11 of 16 quarters(69%)
ActualEstimate

Forward guidance

The company did not include forward guidance in the press release.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+1.0%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+1.3%

Avg return

30 days after

47%

26 / 55 earnings

Positive

+21.4%

Q4 2015

Best reaction

-8.5%

Q1 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.3%+0.7%+3.6%
Q4 2025-1.7%-0.9%-10.5%
Q3 2025+0.4%-0.9%+3.1%
Q1 2025+3.1%+3.8%+10.7%
Q4 2024+0.7%-2.6%-15.0%
Q3 2024-7.3%-7.8%+5.3%
Q2 2024-4.1%-15.5%-14.7%
Q1 2024-8.5%-5.7%-9.5%
Q4 2023+6.1%+4.0%-2.2%
Q3 2023-2.2%-2.1%+1.3%
Q2 2023+3.1%+0.3%-7.3%
Q1 2023+9.2%+1.8%+8.3%
Q4 2022+6.2%+6.4%-12.9%
Q3 2022-0.9%-1.3%-5.7%
Q2 2022-0.7%+4.2%-1.6%
Q1 2022-0.2%-1.3%-8.9%
Q4 2021+0.4%-0.2%+6.2%
Q3 2021-0.1%-1.6%-3.1%
Q2 2021+0.2%-2.2%-4.1%
Q1 2021+1.4%+1.9%+5.8%
Q4 2020+15.1%+34.3%+44.4%
Q3 2020+10.0%+10.0%+28.8%
Q2 2020+1.4%+1.1%+11.1%
Q1 2020+11.6%+5.5%+17.3%
Q4 2019+1.0%-3.3%-40.5%
Q3 2019-1.0%+0.1%+6.6%
Q2 2019+2.9%-0.7%+9.1%
Q1 2019-0.5%-1.3%-4.5%
Q4 2018-0.5%-0.9%-0.8%
Q3 2018+0.8%-2.0%+1.0%
Q2 2018-1.2%-0.2%+9.6%
Q1 2018+0.1%+1.2%+2.2%
Q4 2017+0.1%-0.7%-1.5%
Q3 2017+0.2%-1.6%+1.8%
Q2 2017+3.6%+3.7%+13.0%
Q1 2017-0.9%-0.9%-0.9%
Q4 2016+0.2%+0.8%-1.8%
Q3 2016+0.0%-0.5%-1.9%
Q2 2016+0.0%+0.0%+8.0%
Q1 2016-5.7%
Q4 2015+21.4%
Q3 2015+0.0%
Q2 2015-0.9%
Q1 2015+0.0%
Q4 2014-4.7%
Q3 2014+0.0%
Q2 2014+0.0%
Q1 2014+0.0%
Q4 2013-1.7%
Q3 2013-5.4%
Q2 2013+0.0%
Q1 2013+2.1%
Q4 2012+2.1%
Q3 2012-1.3%
Q2 2012+0.0%
Q1 2012
Q4 2011
Q3 2010
Q3 2011
Q4 2010
Q2 2010
Q1 2010
Q2 2011
Q1 2011

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