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MVB Financial Corp. MVBF Q4 2025 Annual earnings

Reported February 12, 2026 · Before market open

Revenue$39.1MBeat by $3.9M
EPS$0.32Beat by $0.01
Revenue estimate$35.1M
EPS estimate$0.31

Next report

Date not yet announced

Financials

Q4 2025

Income statement

See full
Revenue$39.1M-15.4%
Net income$4.2M-55.2%
EPS (diluted)$0.32-55.6%

Balance sheet

See full
Cash & equivalents$244.1M-23.2%
Total debt$26.1M-6.9%
Total equity$334.0M+9.3%
Total assets$3.3B+5.8%

Cash flow

See full
CapEx$508.0K+279%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$325.05M+21.3%
Enterprise value$107.06M+588%
P/E12.1×-1.2×
P/S1.9×+0.2×

Profitability

See full
Net margin16.1%+2.7pp

Returns & leverage

See full
Return on equity8.4%+1.6pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$51.1MBeat by $14.1MQ1 2026$36.7MMiss by $1.1M
Q4 2025$39.1MBeat by $3.9M
Q3 2025$42.4MBeat by $7.2MQ2 2025$31.7MMiss by $2.9MQ1 2025$32.8MMiss by $3.1M

Diluted EPS

Q2 2026$0.93Beat by $0.59Q1 2026$0.39Beat by $0.02
Q4 2025$0.32Beat by $0.01
Q3 2025-$0.24Miss by $0.53Q2 2025$0.15Miss by $0.16Q1 2025$0.27Beat by $0.06

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Questions, answered.

When did MVB Financial Corp. report Q4 2025 earnings?
MVB Financial Corp. (MVBF) reported Q4 2025 earnings on February 12, 2026 before market open.
What were MVB Financial Corp.'s Q4 2025 revenue and EPS?
MVB Financial Corp. reported revenue of $39.1M and eps of $0.32 for Q4 2025.
Did MVB Financial Corp. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $35.1M by $3.9M. EPS beat the consensus estimate of $0.31 by $0.01.
How did MVB Financial Corp.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 12.9% from $44.9M a year earlier and eps declined 55.6% from $0.72.
Where can I find MVB Financial Corp.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001277902-26-000009) and the 10-K periodic report (0001277902-26-000030) directly on SEC EDGAR. The filing index links above go to sec.gov.