MVB Financial Corp (MVBF) - Net Assets
Based on the latest financial reports, MVB Financial Corp (MVBF) has net assets worth $333.97 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.31 Billion) and total liabilities ($2.97 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. Check MVBF asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $333.97 Million |
| % of Total Assets | 10.09% |
| Annual Growth Rate | 18.6% |
| 5-Year Change | 20.88% |
| 10-Year Change | 129.33% |
| Growth Volatility | 23.66 |
MVB Financial Corp - Net Assets Trend (2003–2025)
This chart illustrates how MVB Financial Corp's net assets have evolved over time, based on quarterly financial data. Also explore MVB Financial Corp balance sheet assets for the complete picture of this company's asset base.
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 valuation and market cap data, see market cap of MVB Financial Corp.
| 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 decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $333.97 Million | 100.00% |
| 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 |
|---|---|
|
BAIRONG INC.CL.B -00002
F:6B5
|
$324.18 Million |
|
Bonduelle S.C.A.
PA:BON
|
$324.25 Million |
|
Edom Technology Co Ltd
TW:3048
|
$324.32 Million |
|
Northern Superior Resources Inc
V:SUP
|
$324.53 Million |
|
Immuneering Corp
NASDAQ:IMRX
|
$324.14 Million |
|
Consorcio ARA S. A. B. de C. V.
MX:ARA
|
$324.07 Million |
|
NOCIL Limited
NSE:NOCIL
|
$324.00 Million |
|
ICBC Turkey Bank AS
IS:ICBCT
|
$323.98 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.
- Other comprehensive income increased equity by 28,231,000.
- Other factors decreased equity by 26,882,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $26.94 Million | +8.07% |
| Other Comprehensive Income | $28.23 Million | +8.45% |
| Other Changes | $-26.88 Million | -8.05% |
| 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: 1.01x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.81x to 1.01x 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 | $25.68 | x |
| 2004-12-31 | $5.85 | $25.68 | x |
| 2005-12-31 | $9.14 | $25.68 | x |
| 2006-12-31 | $7.47 | $25.68 | x |
| 2007-12-31 | $7.76 | $25.68 | x |
| 2008-12-31 | $7.93 | $25.68 | x |
| 2009-12-31 | $8.29 | $25.68 | x |
| 2010-12-31 | $9.42 | $25.68 | x |
| 2011-12-31 | $10.88 | $25.68 | x |
| 2012-12-31 | $11.66 | $25.68 | x |
| 2013-12-31 | $12.22 | $25.68 | x |
| 2014-12-31 | $13.44 | $25.68 | x |
| 2015-12-31 | $14.09 | $25.68 | x |
| 2016-12-31 | $14.46 | $25.68 | x |
| 2017-12-31 | $14.39 | $25.68 | x |
| 2018-12-31 | $13.90 | $25.68 | x |
| 2019-12-31 | $17.60 | $25.68 | x |
| 2020-12-31 | $19.81 | $25.68 | x |
| 2021-12-31 | $21.83 | $25.68 | x |
| 2022-12-31 | $20.31 | $25.68 | x |
| 2023-12-31 | $22.27 | $25.68 | x |
| 2024-12-31 | $23.27 | $25.68 | x |
| 2025-12-31 | $25.48 | $25.68 | 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 (7.35%), 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 | 14.21% | 35.22% | 0.04x | 10.13x | $11.59 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: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MVB Financial Corp (MVBF) | $333.97 Million | 9.98% | 8.91x | $324.16 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 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