Shares Outstanding Shares Outstanding n/a Close	12.99M
Shares Change (YoY) Shares Change (YoY) n/a Close	0.49%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.06%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	53.43%
Shares Floating Shares Floating n/a Close	11.72M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	5
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.02%

Short Selling Information

The latest short interest is 97.06K, so 0.75% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	97.06K
Short % of Shares Out Short % of Shares Out n/a Close	0.75%
Short % of Float Short % of Float n/a Close	0.82%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	2.49

Valuation Ratios

The PE ratio is 13.28 and the forward PE ratio is 10.18. MVB Financial's PEG ratio is -0.36.

PE Ratio PE Ratio n/a Close	13.28
Forward PE Forward PE n/a Close	10.18
PS Ratio PS Ratio n/a Close	1.77
Forward PS Forward PS n/a Close	1.6
PB Ratio PB Ratio n/a Close	0.87
P/FCF Ratio P/FCF Ratio n/a Close	-140.07
PEG Ratio PEG Ratio n/a Close	-0.36

Financial Ratio History

Enterprise Valuation

MVB Financial has an Enterprise Value (EV) of 22.7M.

EV / Sales EV / Sales n/a Close	0.15
EV / EBITDA EV / EBITDA n/a Close	0.75
EV / EBIT EV / EBIT n/a Close	-19.88
EV / FCF EV / FCF n/a Close	-11.92

Financial Position

The company has a current ratio of 1.31, with a Debt / Equity ratio of 0.24.

Current Ratio Current Ratio n/a Close	1.31
Quick Ratio Quick Ratio n/a Close	1.31
Debt / Equity Debt / Equity n/a Close	0.24
Debt / EBITDA Debt / EBITDA n/a Close	2.44
Debt / FCF Debt / FCF n/a Close	-38.73
Interest Coverage Interest Coverage n/a Close	0.34

Financial Efficiency

Return on Equity is 6.57% and Return on Invested Capital is 3.32%.

Return on Equity Return on Equity n/a Close	6.57%
Return on Assets Return on Assets n/a Close	0.64%
Return on Invested Capital Return on Invested Capital n/a Close	3.32%
Revenue Per Employee Revenue Per Employee n/a Close	$332,649.01
Profits Per Employee Profits Per Employee n/a Close	$44,350.99
Employee Count Employee Count n/a Close	453
Asset Turnover Asset Turnover n/a Close	0.05
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	6.1M
Effective Tax Rate Effective Tax Rate n/a Close	23.15%

Stock Price Statistics

The stock price has increased by 10.16% in the last 52 weeks. The beta is 0.95, so MVB Financial's price volatility has been higher than the market average.

Beta Beta n/a Close	0.95
52-Week Price Change 52-Week Price Change n/a Close	10.16%
50-Day Moving Average 50-Day Moving Average n/a Close	17.99
200-Day Moving Average 200-Day Moving Average n/a Close	19.33
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	67.02
Average Volume (20 Days) Average Volume (20 Days) n/a Close	32,226

Income Statement

In the last 12 months, MVB Financial had revenue of 150.69M and earned 20.09M in profits. Earnings per share was 1.56.

Revenue Revenue n/a Close	150.69M
Gross Profit Gross Profit n/a Close	150.69M
Operating Income Operating Income n/a Close	26.34M
Net Income Net Income n/a Close	20.09M
EBITDA EBITDA n/a Close	30.27M
EBIT EBIT n/a Close	26.34M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	1.56

Full Income Statement

Balance Sheet

The company has 317.91M in cash and 73.79M in debt, giving a net cash position of 244.13M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	317.91M
Total Debt Total Debt n/a Close	73.79M
Net Cash Net Cash n/a Close	244.13M
Retained Earnings Retained Earnings n/a Close	172.18M
Total Assets Total Assets n/a Close	3.02B
Working Capital Working Capital n/a Close	2.47B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -1.14M and capital expenditures -1.62M, giving a free cash flow of -1.91M.

Operating Cash Flow Operating Cash Flow n/a Close	-1.14M
Capital Expenditures Capital Expenditures n/a Close	-1.62M
Free Cash Flow Free Cash Flow n/a Close	-1.91M
FCF Per Share FCF Per Share n/a Close	-0.15

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 17.48% and 13.33%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	17.48%
Pretax Margin Pretax Margin n/a Close	17.48%
Profit Margin Profit Margin n/a Close	13.33%
EBITDA Margin EBITDA Margin n/a Close	20.09%
EBIT Margin EBIT Margin n/a Close	17.48%
FCF Margin FCF Margin n/a Close	-1.26%

Dividends & Yields

MVBF pays an annual dividend of $0.85, which amounts to a dividend yield of 3.48%.

Dividend Per Share Dividend Per Share n/a Close	$0.85
Dividend Yield Dividend Yield n/a Close	3.48%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	57.82%
Earnings Yield Earnings Yield n/a Close	7.53%
FCF Yield FCF Yield n/a Close	-0.71%

Dividend Details

Analyst Forecast

The average price target for MVBF is $25, which is 22.6% higher than the current price. The consensus rating is "Buy".

Price Target Price Target n/a Close	$25
Price Target Difference Price Target Difference n/a Close	22.6%
Analyst Consensus Analyst Consensus n/a Close	Buy
Analyst Count Analyst Count n/a Close	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$7.8
Lynch Upside Lynch Upside n/a Close	-61.75%
Graham Number Graham Number n/a Close	28.84
Graham Upside Graham Upside n/a Close	41.44%

Stock Splits

The last stock split was on Apr 2, 2014. It was a forward split with a ratio of 2:1.

Last Split Date Last Split Date n/a Close	Apr 2, 2014
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	2:1

Scores

Altman Z-Score Altman Z-Score n/a Close	1.16
Piotroski F-Score Piotroski F-Score n/a Close	5