NASDAQ$MVBF

Mvb Financial Corp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

MVB Financial reported net income for Q3 2023, with deposit growth, net interest margin improvement, and strategic balance sheet positioning.

MVB Financial Corp. announced its Q3 2023 financial results, reporting a net income of $3.9 million, or $0.30 basic and $0.29 diluted earnings per share. The company saw an increase in balance sheet deposits by 2.7% and a net interest margin improvement of 10 bps to 3.87%.

  • Total deposits increased 2.7%, or $80.0 million, to $3.04 billion.
  • Noninterest bearing deposits increased 10.8%, or $106.3 million, and represent 36% of deposits.
  • Net interest margin improved by 10 bps, to 3.87%.
  • Nonperforming loans decreased 22.4%, or $3.1M.

Headline financials

Total Revenue

$35.7M

Previous: $38M-6.3%
EPS (adj)

$0.29

Previous: $0.21+38.1%
Nonperforming Loans / Total Loans

0.5%

Previous: 0.9%-44.4%
Community Bank Leverage Ratio

10.4%

No prior period
Tier 1 Risk-Based Capital Ratio

14.0%

No prior period
Total Risk-Based Capital Ratio

14.8%

No prior period
Tangible Book Value per Share

$21.08

No prior period
Allowance for Credit Losses / Total Loans

1.1%

No prior period
Capital Expenditures

-$1.44M

Previous: -$621K-132.0%
Free Cash Flow

$2.43M

Previous: $2.1M+15.9%
Net Income

$3.87M

Previous: $2.72M+42.5%
Operating Income

$8.66M

Previous: $22M-60.7%
Gross Profit

$35.7M

Previous: $32.9M+8.3%
Cash & Equivalents

$587M

Previous: $79.9M+634.4%
Total Assets

$3.44B

Previous: $3.14B+9.5%
Stock-Based Comp

$949K

Previous: $671K+41.4%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$35.7M

Q3 2023-6.3%vs Q3 2022
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

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 2023

Historical avgQ3 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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