NASDAQ$MVBF

Mvb Financial Corp · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Announced first quarter 2023 results with net income of $11.3 million.

MVB Financial Corp. reported a net income of $11.3 million for Q1 2023, with earnings per share at $0.90 basic and $0.87 diluted. Total deposits increased by 22.6% from the prior quarter, and liquidity improved, with a loan to deposit ratio of 74.9%. The company completed the sale of Chartwell Compliance, resulting in a pre-tax gain of $11.8 million.

  • Total deposits increased by 22.6%, or $580.3 million, from the prior quarter end.
  • Liquidity improved with loan to deposit ratio of 74.9% at quarter-end versus 92.3% at the prior quarter end and total cash and cash equivalents of $575.3 million.
  • Net interest income decreased 2.2% from the prior quarter but increased 49.8% from the year-ago period.
  • Tangible book value grew 4.5% per share to $21.17 from the prior quarter end.

Headline financials

Total Revenue

$35.8M

Previous: $33.7M+6.2%
EPS (adj)

$0.87

Previous: $0.22+295.5%
Community Bank Leverage Ratio

10.0%

No prior period
Tier 1 Risk-Based Capital Ratio

13.7%

Previous: 15.0%-8.7%
Efficiency Ratio

61.4%

No prior period
Overhead Ratio

3.4%

No prior period
Net Loan Charge-Offs / Total Loans

0.3%

No prior period
Allowance for Credit Losses / Total Loans

1.5%

No prior period
Capital Expenditures

-$908K

Previous: -$1.23M+26.0%
Free Cash Flow

$10.3M

Previous: $1.64M+529.9%
Net Income

$11.2M

Previous: $2.86M+291.8%
Operating Income

$13.8M

Previous: $23.8M-42.3%
Gross Profit

$31.3M

Previous: $32.4M-3.2%
Cash & Equivalents

$575M

Previous: $354M+62.5%
Total Assets

$3.55B

Previous: $2.89B+22.8%
Stock-Based Comp

$831K

Previous: $674K+23.3%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$35.8M

Q1 2023+6.2%vs Q1 2022
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Forward guidance

MVB remains well-positioned to navigate what is expected to be continued challenging market conditions for the foreseeable future.

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 2023

Historical avgQ1 2023

+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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