ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is MVB Financial Corp. ?
1
High Profitability with a Net Interest Margin of -0.27%
2
Strong Long Term Fundamental Strength with a -5.03% CAGR growth in Net Profits
3
Positive results in Mar 26
- CREDIT DEPOSIT RATIO(Q) Highest at 1.45%
- NII(Q) Highest at USD 28.45 MM
- NET PROFIT(9M) Higher at USD 26.54 MM
4
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 32.82%, its profits have risen by 34.1% ; the PEG ratio of the company is 0.3
5
High Institutional Holdings at 67.35%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 32.82% in the last 1 year, much higher than market (S&P 500) returns of 20.78%
Real-Time Research ReportHow 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.
32.82%
2.12
26.91%
S&P 500
20.78%
1.56
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.86%
EBIT Growth (5y)
-34.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.08%
Pledged Shares
0
Institutional Holding
67.35%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 1.45%
NII(Q)
Highest at USD 28.45 MM
NET PROFIT(9M)
Higher at USD 26.54 MM
OPERATING PROFIT(Q)
Highest at USD 4.73 MM
OPERATING PROFIT MARGIN(Q)
Highest at 10.56 %
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -33.34 MM
NET PROFIT(HY)
At USD 9.41 MM has Grown at -27.72%
GROSS NPA (%)
(Q
Here's what is working for MVB Financial Corp.
Credit Deposit Ratio
Highest at 1.45% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at USD 28.45 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 4.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 10.56 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Here's what is not working for MVB Financial Corp.
Non Performing Loans (%)
Highest at 1.45%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Profit
At USD 9.41 MM has Grown at -27.72%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD -33.34 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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