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MVB Financial Corp. MVBF Provision for Credit Losses

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Segments

By segment

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CoRe Banking$4.63M+133%
Financial Holding Company$50K
Mortgage Banking$0

Other financials

Income statement

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Revenue$51.1M+51.4%
Net income$12.3M+512%
EPS (diluted)$0.93+520%

Balance sheet

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Cash & equivalents$312.6M-21.7%
Total debt$26.1M-6.9%
Total equity$334.0M+9.3%
Total assets$3.5B+10.0%

Cash flow

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Operating cash flow-$23.3M-265%
CapEx$329.0K+72.3%
Free cash flow-$23.4M-269%

Valuation

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Market cap$386.56M+30.8%
P/E10×-7.3×
P/S2.1×0.0×

Profitability

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Net margin20.6%+9.0pp
FCF margin12.8%-6.2pp

Returns & leverage

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

Where this comes from

Reported directly by MVB Financial Corp. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The source filing: MVB Financial Corp.’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:43 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001277902-26-000084
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Interest on revolving line of credit338470
Total interest expense16,30916,60432,63133,157
NET INTEREST INCOME32,27425,78060,72652,456
Provision for credit losses4,6771,9906,5312,167
Net interest income after provision for credit losses27,59723,79054,19550,289
NONINTEREST INCOME
Payment card and service charge income6,0084,65311,0949,638
Insurance income8054148

Item 1 – Financial Statements

FAQ

What is MVB Financial Corp.'s provision for credit losses?
MVB Financial Corp. (MVBF) reported provision for credit losses of $4.68M in Q2 2026.
How has MVB Financial Corp.'s provision for credit losses changed year-over-year?
MVB Financial Corp.'s provision for credit losses increased by 135.0% year-over-year, from $1.99M to $4.68M.
What is the long-term trend for MVB Financial Corp.'s provision for credit losses?
Over 4 years (2021 to 2025), MVB Financial Corp.'s provision for credit losses has grown at a 8.6% compound annual growth rate (CAGR), from -$6.28M to $8.74M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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