NASDAQ$MVBF

Mvb Financial Corp · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

MVBF reported Q4 2025, net income of $4.2M.

For Q4 2025, MVBF reported net income of $4.2M. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Net income $4.2M.
  • MVBF highlights liquidity, operations, and forward priorities.
  • MVBF highlights liquidity, operations, and forward priorities.

Headline financials

Total Revenue

$39.1M

Previous: $21.3M+83.5%
EPS (adj)

$0.32

Previous: $0.73-56.2%
Net Interest Margin

3.7%

No prior period
Nonperforming Loans / Total Loans

1.3%

No prior period
Community Bank Leverage Ratio

11.1%

No prior period
Tier 1 Risk-Based Capital Ratio

13.7%

No prior period
Total Risk-Based Capital Ratio

14.5%

No prior period
Tangible Book Value per Share

$26.17

No prior period
Noninterest Bearing Deposits / Total Deposits

40.3%

No prior period
Return on Average Assets

0.5%

No prior period
Return on Average Equity

5.1%

No prior period
Efficiency Ratio

80.6%

No prior period
Overhead Ratio

3.8%

No prior period
Equity to Assets

10.1%

No prior period
Net Loan Charge-Offs / Total Loans

0.7%

No prior period
Allowance for Credit Losses / Total Loans

0.9%

No prior period
Tangible Common Equity Ratio

10.1%

No prior period
Criticized Loans / Total Loans

3.6%

No prior period
Classified Loans / Total Loans

2.3%

No prior period
Net Income

$4.2M

Previous: $9.44M-55.5%
Operating Income

$5.45M

Previous: $12.2M-55.4%

Revenue & EPS history

Mvb Financial · Revenue · Quarterly

$39.1M

Q4 2025+83.5%vs Q4 2024
Beat estimate in 4 of 15 quarters(27%)
ActualEstimate

Forward guidance

The release discusses MVBF's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • MVBF cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 2025

+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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