NASDAQ$MVBF

Mvb Financial Corp · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Reported net income and continued fintech initiatives and core funding transformation.

MVB Financial Corp. reported a strong third quarter, driven by its fintech initiatives and core funding transformation. Net income reached $11.8 million, with basic earnings per share at $1.00 and diluted earnings per share at $0.92. The company saw significant growth in noninterest-bearing Fintech deposits, representing nearly 42% of total deposit funding.

  • Strong core deposit growth driven by Fintech and gaming verticals, with noninterest-bearing deposits up 55% year-over-year.
  • Loans grew by $66.9 million compared to the previous quarter, despite banking center sales and PPP loan forgiveness.
  • Tangible book value per share increased by 5% from the previous quarter and 16% year-over-year.
  • Corporate actions reflect a reallocation of resources amid Fintech success, including the sale of banking centers and new partnerships.

Headline financials

Total Revenue

$41M

Previous: $35.4M+15.9%
EPS (adj)

$0.92

Previous: $0.53+73.6%
Community Bank Leverage Ratio

12.0%

No prior period
Capital Expenditures

-$3.59M

Previous: -$1.65M-117.3%
Free Cash Flow

$8.24M

Previous: $4.84M+70.3%
Net Income

$11.8M

Previous: $6.49M+82.2%
Operating Income

$33.5M

Previous: $22.6M+48.3%
Gross Profit

$41M

Previous: $26.7M+53.7%
Cash & Equivalents

$390M

Previous: $296M+31.9%
Total Assets

$2.79B

Previous: $2.21B+25.9%
Stock-Based Comp

$1.06M

Previous: $592K+78.2%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$41M

Q3 2021+15.9%vs Q3 2020
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

MVB Financial did not provide specific forward guidance in the provided document. The document focuses on the results of the third quarter of 2021 and recent corporate actions.

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 Q3 2021

Historical avgQ3 2021

+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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