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

MidWestOne Financial Group, Inc.

CapStar Financial Holdings, Inc.

Red River Bancshares, Inc.

Peoples Financial Services Corp.

Guaranty Bancshares, Inc. (Texas)

Macatawa Bank Corp.

Carter Bankshares, Inc.

MVB Financial Corp.

First Foundation, Inc.

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is MVB Financial Corp. ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

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

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is MVB Financial Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

MVB Financial Corp.

40.65%

1.41

28.06%

S&P 500

13.68%

0.71

19.28%

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)

-27.65%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.01%

Pledged Shares

Institutional Holding

65.35%

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

1.04

EV to EBIT

-22.27

EV to EBITDA

-30.61

EV to Capital Employed

1.07

EV to Sales

1.00

PEG Ratio

0.35

Dividend Yield

1.94%

ROCE (Latest)

-4.83%

ROE (Latest)

8.03%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

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

15What is working for the Company

NET PROFIT(HY)

Higher at USD 21.24 MM

ROCE(HY)

Highest at 0.83%

NII(Q)

Highest at USD 28.38 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 53.12%

CASH AND EQV(HY)

Highest at USD 254.6 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 82.45%

NET SALES(Q)

Highest at USD 45.49 MM

-10What is not working for the Company

PRE-TAX PROFIT(Q)

At USD 5.29 MM has Fallen at -56.75%

NET PROFIT(Q)

At USD 4.1 MM has Fallen at -56.56%

ROCE(HY)

Lowest at 0.83%

GROSS NPA (%)

Here's what is working for MVB Financial Corp.

NII

Highest at USD 28.38 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 45.49 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 254.6 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 82.45%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Highest at 53.12%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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

Pre-Tax Profit

At USD 5.29 MM has Fallen at -56.75%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 4.1 MM has Fallen at -56.56%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 1.31%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Capital Adequacy Ratio

Lowest at 13.7%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)