MVB Financial Corp. (MVBF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Carter Bankshares, Inc.

MidWestOne Financial Group, Inc.

Red River Bancshares, Inc.

CapStar Financial Holdings, Inc.

Peoples Financial Services Corp.

Guaranty Bancshares, Inc. (Texas)

MVB Financial Corp.

Macatawa Bank Corp.

Bank of Marin Bancorp

First Foundation, Inc.

Sterling Bancorp, Inc. (Michigan)

Why is MVB Financial Corp. ?

High Profitability with a Net Interest Margin of -0.27%

Strong Long Term Fundamental Strength with a -5.03% CAGR growth in Net Profits

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

PRE-TAX PROFIT(Q) At USD 15.98 MM has Grown at 404.83%
NET PROFIT(Q) At USD 12.25 MM has Grown at 511.94%
NII(Q) Highest at USD 32.27 MM

With ROA of 0.50%, it has a very attractive valuation with a 1.01 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 29.46%, its profits have risen by 34.1% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 73.74%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 6.39% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to MVB Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is MVB Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

MVB Financial Corp.

29.46%

2.46

26.68%

S&P 500

22.36%

1.70

13.18%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.86%

EBIT Growth (5y)

-34.43%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.08%

Pledged Shares

Institutional Holding

67.35%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.01

EV to EBIT

-20.60

EV to EBITDA

-29.92

EV to Capital Employed

1.03

EV to Sales

0.98

PEG Ratio

0.33

Dividend Yield

1.99%

ROCE (Latest)

-4.98%

ROE (Latest)

8.07%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Bullish

Dow Theory

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

PRE-TAX PROFIT(Q)

At USD 15.98 MM has Grown at 404.83%

NET PROFIT(Q)

At USD 12.25 MM has Grown at 511.94%

NII(Q)

Highest at USD 32.27 MM

ROCE(HY)

Highest at 1.15%

NET SALES(Q)

Highest at USD 48.58 MM

OPERATING PROFIT(Q)

Highest at USD 13.25 MM

OPERATING PROFIT MARGIN(Q)

Highest at 27.27 %

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -35.52 MM

ROCE(HY)

Lowest at 1.15%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 18.3%

Here's what is working for MVB Financial Corp.

Pre-Tax Profit

At USD 15.98 MM has Grown at 404.83%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 12.25 MM has Grown at 511.94%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 32.27 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 48.58 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 13.25 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 27.27 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Here's what is not working for MVB Financial Corp.

Operating Cash Flow

Lowest at USD -35.52 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 18.3%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)