MVB Financial Corp Net Assets
MVB Financial Corp net assets. Based on the latest financial reports, MVB Financial Corp (MVBF) has net assets worth $334.92 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.32 Billion) and total liabilities ($2.99 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore MVB Financial Corp (MVBF) equity growth momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $334.92 Million |
| % of Total Assets | 10.08% |
| Annual Growth Rate | 18.6% |
| 5-Year Change | 20.88% |
| 10-Year Change | 129.33% |
| Growth Volatility | 23.66 |
Net Assets of MVB Financial Corp (2003–2025)
Net assets of MVB Financial Corp from 2003 to 2025. This chart illustrates how MVB Financial Corp's net assets have evolved over time, based on quarterly financial data. See MVBF net asset quality index to measure how much of total assets are equity-financed.
Annual Net Assets for MVB Financial Corp (2003–2025)
The table below shows the annual net assets of MVB Financial Corp from 2003 to 2025. For live market cap and overall valuation, see MVBF market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $333.97 Million | +9.21% |
| 2024-12-31 | $305.79 Million | +5.68% |
| 2023-12-31 | $289.34 Million | +10.56% |
| 2022-12-31 | $261.70 Million | -5.28% |
| 2021-12-31 | $276.28 Million | +15.36% |
| 2020-12-31 | $239.48 Million | +13.00% |
| 2019-12-31 | $211.94 Million | +19.89% |
| 2018-12-31 | $176.77 Million | +17.70% |
| 2017-12-31 | $150.19 Million | +3.14% |
| 2016-12-31 | $145.62 Million | +26.95% |
| 2015-12-31 | $114.71 Million | +4.82% |
| 2014-12-31 | $109.44 Million | +16.40% |
| 2013-12-31 | $94.02 Million | +39.19% |
| 2012-12-31 | $67.55 Million | +41.52% |
| 2011-12-31 | $47.73 Million | +55.13% |
| 2010-12-31 | $30.77 Million | +13.38% |
| 2009-12-31 | $27.14 Million | +5.04% |
| 2008-12-31 | $25.84 Million | +9.82% |
| 2007-12-31 | $23.52 Million | +8.64% |
| 2006-12-31 | $21.66 Million | +16.94% |
| 2005-12-31 | $18.52 Million | +109.41% |
| 2004-12-31 | $8.84 Million | +12.97% |
| 2003-12-31 | $7.83 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to MVB Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 25562.3% over the analyzed period, indicating profitable operations and earnings retention.
MVB Financial Corp Net Assets Breakdown (December 2025)
MVB Financial Corp net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $190.41 Million | 57.02% |
| Common Stock | $14.04 Million | 4.20% |
| Other Comprehensive Income | $-13.87 Million | -4.15% |
| Other Components | $143.38 Million | 42.93% |
| Total Equity | $333.97 Million | 100.00% |
MVB Financial Corp Competitors by Market Cap
The table below lists competitors of MVB Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
American Oncology Network Inc.
NASDAQ:AONC
|
$325.24 Million |
|
Shandong Tongda Island New Materials Co Ltd
SHE:300321
|
$325.25 Million |
|
Nantong Chaoda Equipment Co.Ltd.
SHE:301186
|
$325.46 Million |
|
Wenfeng Great World Chain Development Corp
SHG:601010
|
$325.54 Million |
|
Xinjiang Talimu Agriculture Development Co Ltd
SHG:600359
|
$324.92 Million |
|
E1 Corporation
KO:017940
|
$324.82 Million |
|
Wonderful Hi-Tech Co Ltd
TWO:6190
|
$324.81 Million |
|
Re Max Holding
NYSE:RMAX
|
$324.67 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in MVB Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 305,679,000 to 333,968,000, a change of 28,289,000 (9.3%).
- Net income of 26,940,000 contributed positively to equity growth.
- Dividend payments of 8,707,000 reduced retained earnings.
- Share repurchases of 10,160,000 reduced equity.
- Other comprehensive income increased equity by 14,365,000.
- Other factors increased equity by 5,851,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $26.94 Million | +8.07% |
| Dividends Paid | $8.71 Million | -2.61% |
| Share Repurchases | $10.16 Million | -3.04% |
| Other Comprehensive Income | $14.37 Million | +4.3% |
| Other Changes | $5.85 Million | +1.75% |
| Total Change | $- | 9.25% |
Book Value vs Market Value Analysis
This analysis compares MVB Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.74x to 0.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $5.34 | $25.30 | x |
| 2004-12-31 | $5.85 | $25.30 | x |
| 2005-12-31 | $9.14 | $25.30 | x |
| 2006-12-31 | $7.47 | $25.30 | x |
| 2007-12-31 | $7.76 | $25.30 | x |
| 2008-12-31 | $7.93 | $25.30 | x |
| 2009-12-31 | $8.29 | $25.30 | x |
| 2010-12-31 | $9.42 | $25.30 | x |
| 2011-12-31 | $10.88 | $25.30 | x |
| 2012-12-31 | $11.66 | $25.30 | x |
| 2013-12-31 | $12.22 | $25.30 | x |
| 2014-12-31 | $13.44 | $25.30 | x |
| 2015-12-31 | $14.09 | $25.30 | x |
| 2016-12-31 | $14.46 | $25.30 | x |
| 2017-12-31 | $14.39 | $25.30 | x |
| 2018-12-31 | $13.90 | $25.30 | x |
| 2019-12-31 | $17.60 | $25.30 | x |
| 2020-12-31 | $19.81 | $25.30 | x |
| 2021-12-31 | $21.90 | $25.30 | x |
| 2022-12-31 | $20.31 | $25.30 | x |
| 2023-12-31 | $22.27 | $25.30 | x |
| 2024-12-31 | $23.27 | $25.30 | x |
| 2025-12-31 | $25.48 | $25.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently MVB Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.07%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.96%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 9.91x
- Recent ROE (8.07%) is above the historical average (7.34%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 9.98% | 30.96% | 0.03x | 12.13x | $-1.80K |
| 2004 | 11.96% | 42.05% | 0.02x | 12.01x | $173.70K |
| 2005 | 3.03% | 16.72% | 0.02x | 8.17x | $-1.29 Million |
| 2006 | 4.49% | 16.10% | 0.03x | 8.83x | $-1.19 Million |
| 2007 | 5.45% | 8.61% | 0.06x | 9.78x | $-1.07 Million |
| 2008 | 3.20% | 5.35% | 0.06x | 10.01x | $-1.76 Million |
| 2009 | 5.18% | 8.51% | 0.05x | 13.00x | $-1.31 Million |
| 2010 | 7.27% | 11.94% | 0.05x | 13.46x | $-839.90K |
| 2011 | 5.66% | 12.08% | 0.04x | 11.18x | $-2.07 Million |
| 2012 | 6.17% | 14.07% | 0.04x | 10.76x | $-2.59 Million |
| 2013 | 4.28% | 7.72% | 0.05x | 10.50x | $-5.38 Million |
| 2014 | 1.90% | 3.73% | 0.05x | 10.15x | $-8.86 Million |
| 2015 | 5.94% | 8.98% | 0.05x | 12.07x | $-4.66 Million |
| 2016 | 8.87% | 13.74% | 0.07x | 9.74x | $-1.65 Million |
| 2017 | 5.04% | 8.05% | 0.06x | 10.22x | $-7.44 Million |
| 2018 | 6.79% | 11.45% | 0.06x | 9.91x | $-5.67 Million |
| 2019 | 12.74% | 18.75% | 0.07x | 9.17x | $5.80 Million |
| 2020 | 15.62% | 29.06% | 0.06x | 9.74x | $13.46 Million |
| 2021 | 14.16% | 35.22% | 0.04x | 10.10x | $11.49 Million |
| 2022 | 5.76% | 9.88% | 0.05x | 11.69x | $-11.09 Million |
| 2023 | 10.79% | 14.66% | 0.06x | 11.45x | $2.29 Million |
| 2024 | 6.57% | 8.84% | 0.07x | 10.24x | $-10.48 Million |
| 2025 | 8.07% | 9.96% | 0.08x | 9.91x | $-6.46 Million |
Industry Comparison
This section compares MVB Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MVB Financial Corp (MVBF) | $334.92 Million | 9.98% | 8.92x | $325.10 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About MVB Financial Corp
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 e… Read more