NASDAQ$MVBF

Mvb Financial Corp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported net income for Q1 2024 with growth in fintech fee income and noninterest bearing deposits.

MVB Financial Corp. reported a net income of $4.5 million, or $0.35 basic and $0.34 diluted earnings per share for Q1 2024. The company saw an increase in total revenue driven by fintech fee income growth and a rise in noninterest bearing deposits. However, earnings were weighed down by higher costs related to regulatory compliance and cyclical challenges.

  • Total revenue increased by 6.8%, or $2.4 million, compared to the previous quarter.
  • Fintech fee income grew by 26.3%, or $1.0 million, compared to the previous quarter.
  • Noninterest bearing deposits increased by 16.2%, or $193.8 million, now representing 44% of total deposits.
  • Nonperforming loans declined by 8.7%, indicating stable asset quality.

Headline financials

Total Revenue

$38M

Previous: $35.8M+6.1%
EPS

$0.34

Previous: $0.87-60.9%
Tangible Common Equity Ratio

8.1%

No prior period
Capital Expenditures

-$921K

Previous: -$908K-1.4%
Free Cash Flow

$3.58M

Previous: $10.3M-65.3%
Net Income

$4.5M

Previous: $11.2M-59.9%
Operating Income

$10.2M

Previous: $13.8M-25.8%
Gross Profit

$38M

Previous: $31.3M+21.2%
Cash & Equivalents

$640M

Previous: $575M+11.3%
Total Assets

$3.55B

Previous: $3.55B-0.1%
Stock-Based Comp

$780K

Previous: $831K-6.1%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$38M

Q1 2024+6.1%vs Q1 2023
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Forward guidance

The report does not include forward guidance. Therefore, the following sections are empty.

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 2024

Historical avgQ1 2024

+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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