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Upturn AI SWOT - About
MVBF 
MVB Financial Corp (MVBF)
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Upturn Advisory Summary
03/13/2025: MVBF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -23.73% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 223.37M USD | Price to earnings Ratio 11.27 | 1Y Target Price 23.67 |
Price to earnings Ratio 11.27 | 1Y Target Price 23.67 | ||
Volume (30-day avg) 29495 | Beta 1.02 | 52 Weeks Range 16.81 - 24.62 | Updated Date 04/1/2025 |
52 Weeks Range 16.81 - 24.62 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.89% | Basic EPS (TTM) 1.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.52% | Operating Margin (TTM) 29.19% |
Management Effectiveness
Return on Assets (TTM) 0.63% | Return on Equity (TTM) 6.8% |
Valuation
Trailing PE 11.27 | Forward PE - | Enterprise Value 11095129 | Price to Sales(TTM) 1.5 |
Enterprise Value 11095129 | Price to Sales(TTM) 1.5 | ||
Enterprise Value to Revenue 1.97 | Enterprise Value to EBITDA - | Shares Outstanding 12948800 | Shares Floating 11836105 |
Shares Outstanding 12948800 | Shares Floating 11836105 | ||
Percent Insiders 11.2 | Percent Institutions 52.35 |
Analyst Ratings
Rating 3.67 | Target Price 24.67 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
MVB Financial Corp
Company Overview
History and Background
MVB Financial Corp. was founded in 1997. It has grown through acquisitions and organic expansion to become a financial holding company providing a range of banking and financial services.
Core Business Areas
- Commercial Banking: Offers a comprehensive suite of commercial banking products and services, including commercial loans, deposit accounts, and cash management solutions, serving businesses of various sizes.
- Community Banking: Provides traditional community banking services like personal checking and savings accounts, mortgages, and consumer loans to individuals and families in its local markets.
- Financial Technologies: Focuses on payments and cryptocurrency services through its MVB Bank subsidiary.
Leadership and Structure
Larry Mazza is the CEO. MVB Financial Corp. operates as a financial holding company, with MVB Bank, Inc. as its primary subsidiary. The organizational structure includes various departments such as lending, operations, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans extended to businesses for working capital, expansion, or equipment purchases. Market share data is not available at a granular product level. Competitors: PNC, WesBanco, Huntington Bancshares.
- Number of Users: NA
- Revenue: NA
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not available at a granular product level. Competitors: Chase, Bank of America, local credit unions.
- Number of Users: NA
- Revenue: NA
- Cryptocurrency Banking Services: Banking services for cryptocurrency companies. Competitors: Signature Bank (defunct), Silvergate Capital (defunct), Cross River Bank. No specific market share is available. The number of Users is not Available
- Number of Users: NA
- Revenue: NA
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Digitization and cybersecurity are major trends.
Positioning
MVB Financial Corp. positions itself as a tech-forward community bank, emphasizing its ability to provide both traditional banking services and innovative financial solutions. Their focus on cryptocurrency banking differentiates them.
Total Addressable Market (TAM)
The total addressable market for banking services is enormous (trillions of dollars). MVB's position is focused on community banking plus specialized services for the cryptocurrency market. Specific TAM for their focus area is difficult to estimate but is in the billions.
Upturn SWOT Analysis
Strengths
- Tech-forward approach
- Strong community banking presence
- Diversified revenue streams (commercial banking, retail, crypto)
- Experienced management team
Weaknesses
- Smaller market capitalization compared to larger competitors
- Higher dependence on interest rate environment
- Concentration risk related to cryptocurrency clients
Opportunities
- Expansion into new geographic markets
- Further development of fintech offerings
- Increased demand for cryptocurrency banking services
- Acquisitions of smaller banks or fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes impacting the banking industry
- Economic downturns affecting loan demand and asset quality
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- WesBanco
- Huntington Bancshares
Competitive Landscape
MVB competes primarily with larger regional and national banks. Its strength lies in its tech-forward approach and specialized cryptocurrency banking services. However, it faces challenges due to its smaller size and limited resources compared to its larger competitors.
Major Acquisitions
Palmetto State Bank
- Year: 2021
- Acquisition Price (USD millions): 91.3
- Strategic Rationale: Expanded market presence in South Carolina.
Growth Trajectory and Initiatives
Historical Growth: Growth trajectory data required but unavailable to provide accurate details.
Future Projections: Future projections data required but unavailable to provide accurate details.
Recent Initiatives: Recent Initiatives include expanding Cryptocurrency services and strategic acquisitions.
Summary
MVB Financial Corp. is a smaller, tech-forward community bank with a focus on commercial banking and emerging cryptocurrency banking. Its strengths lie in its innovative approach and experienced management. However, it faces competition from larger banks and risks related to the cryptocurrency market. Continued growth depends on managing these risks and capitalizing on fintech opportunities.
Similar Companies
- HBAN
- PBCT
- FFIC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- MarketWatch
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated based on available industry information and may not be precise. Financial data may be outdated. Consult a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MVB Financial Corp
Exchange NASDAQ | Headquaters Fairmont, WV, United States | ||
IPO Launch date 2008-08-22 | CEO & Non-Independent Director Mr. Larry F. Mazza CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 453 | Website https://www.mvbbanking.com |
Full time employees 453 | Website https://www.mvbbanking.com | ||
MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1999 and is based in Fairmont, West Virginia.
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