MVB Financial (MVBF)
Combines regional banking with nationwide fintech banking for payments, banking-as-a-service, and gaming.
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Operates MVB Bank across commercial and retail banking, mortgage-linked earnings, and nationwide fintech banking. A compact branch footprint in West Virginia and Virginia supports deposits and loans, while payments, banking-as-a-service, and gaming relationships depend on disciplined compliance and operational-risk controls.
Operates mainly through MVB Bank, with CoRe Banking as the center of the model. Commercial and retail banking provide deposits, commercial loans, consumer credit, residential real estate lending, debit-card services, and other branch-bank products.
Serves local markets in North Central West Virginia and Northern Virginia through a small branch network, while the fintech banking team works with corporate clients nationwide. Payments, banking-as-a-service, and gaming programs add fee and deposit relationships beyond the regional bank footprint.
Mortgage Banking reflects equity-method exposure to Intercoastal Mortgage Company and Warp Speed Holdings, not a fully consolidated mortgage unit. The business depends on bank-regulatory, operational-risk, and compliance capacity around fintech partners, with recent portfolio cleanup leaving Victor and Trabian outside the active operating base.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Oct 7, 2025 | Raymond James | Target | Target: $20 | Target: $30 |
| Jul 14, 2025 | Hovde Group | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $312.6M · Total debt $57.8M · Total assets $3.55B · Shareholders' equity $344.5M
- Revenue
- $67.4M
- Operating income
- $16.0M
- Net income
- $12.3M
HistoryDividendAnnual yield
| Institutions | ≈ 58.34% | 7.56M shares | |
|---|---|---|---|
| 110 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 9.05% | 1.17M shares | |
| 15 holders · as of Jul 28, 2026 | |||
| Other | ≈ 32.61% | 4.23M shares | |
| remainder | |||
12.97M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Wellington Management Group LLPInstitution | 13.60% | 1.76M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 8.02% | 1.04M | as of Jun 30, 2026 |
Larry F. MazzaInsiderdirector, officer: President & CEO | 5.62% | 728,606 | filed May 5, 2026 |
Bay Pond Partners, L.P.Institution | 5.62% | 728,409 | filed Jul 23, 2025 |
Dimensional Fund Advisors LPInstitution | 4.11% | 533,007 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 12, 2026 | Adam Francis Famularo | director | +1,835 | |
| Dec 5, 2025 | Richard James JR Cordella | director | +500 | $27.70 |
| Nov 3, 2025 | Michael Robert Sumbs | officer: Chief Financial Officer | +2,000 | $26.00 |
- The Bancorp
Private-label fintech banking and specialty lending overlap
- Pathward Financial
Sponsor-bank payments and commercial finance overlap
- Coastal Financial
Community bank plus CCBX BaaS platform overlap
- Customers Bancorp
Digital banking, fintech lending, and mortgage finance overlap
- United Bankshares
Larger WV and Mid-Atlantic regional banking overlap
- City
West Virginia deposit, loan, and branch-market overlap
- Burke & Herbert Financial Services
Northern Virginia and West Virginia community banking overlap
- Rocket Companies
Mortgage origination and servicing economics overlap
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| MVB Financial | $30.45 | −0.10% | $389.4M | 10.2 | 14.7 | 1.8 | +25.4% |
| The Bancorp | $50.59 | −0.08% | $2.09B | 9.5 | 7.3 | 2.8 | −24.0% |
| Pathward Financial | $75.49 | +1.36% | $1.60B | 9.5 | 7.9 | 2.0 | −3.1% |
| Coastal Financial | $45.25 | +0.24% | $688.3M | — | 9.3 | 0.9 | +54.6% |
| Customers Bancorp | $77.35 | −0.03% | $2.67B | 9.6 | 8.6 | 1.8 | +12.4% |
| United Bankshares | $46.53 | −0.02% | $6.44B | 12.8 | 12.4 | 3.6 | +6.0% |
| City | $139.59 | −0.11% | $1.98B | 15.3 | 14.9 | 5.2 | +7.7% |
| Burke & Herbert Financial Services | $69.45 | −0.03% | $1.40B | 11.1 | 8.2 | 3.2 | +24.6% |
| Rocket Companies | $12.75 | +0.23% | $34.90B | 84.7 | 17.8 | 3.6 | +113.7% |
| Median | 11.1 | 9.0 | 3.0 | +10.1% |