NASDAQ$MVBF

Mvb Financial Corp · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported net income with strategic shifts for future growth.

MVB Financial Corp. reported a net income of $4.1 million, or $0.32 basic and $0.31 diluted earnings per share for Q2 2024. The results were impacted by the exit of digital asset program account relationships, which reduced EPS by $0.08. The company also renewed its partnership with Intuit-Credit Karma and appointed Jeremy Kuiper as Fintech President.

  • MVB renewed partnership agreement with Intuit-Credit Karma.
  • Jeremy Kuiper was appointed as Fintech President.
  • MVB initiated the process of winding down digital asset program account relationships, reducing EPS by $0.08.
  • Noninterest expense declined 4.2% from prior quarter.

Headline financials

Total Revenue

$34.7M

Previous: $36M-3.6%
EPS

$0.31

Previous: $0.63-50.8%
Nonperforming Loans / Total Loans

1.0%

Previous: 0.6%+66.7%
Community Bank Leverage Ratio

10.7%

Previous: 10.0%+7.0%
Tier 1 Risk-Based Capital Ratio

14.6%

Previous: 13.8%+5.8%
Total Risk-Based Capital Ratio

15.4%

No prior period
Tangible Common Equity Ratio

8.9%

No prior period
Capital Expenditures

-$1.18M

Previous: -$1.21M+3.0%
Free Cash Flow

$2.97M

Previous: $6.79M-56.2%
Net Income

$4.15M

Previous: $8M-48.1%
Operating Income

$7.57M

Previous: $11.5M-34.4%
Gross Profit

$34.7M

Previous: $36M-3.6%
Cash & Equivalents

$456M

Previous: $456M-0.1%
Total Assets

$3.29B

Previous: $3.35B-1.9%
Stock-Based Comp

$814K

Previous: $792K+2.8%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$34.7M

Q2 2024-3.6%vs Q2 2023
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Forward guidance

MVB Financial has made forward-looking statements based on current expectations about the future and are subject to risks and uncertainties.

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 Q2 2024

Historical avgQ2 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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