MVBFMVB FINANCIAL CORP
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
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- Employees
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- Net debt / EBITDA
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- −$283M net debt
- AI in 10-K
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Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear150× net incomeCash flow under 80% of net income
- Dilutive SBCFired112% of revenueOver 10% of revenue
- Payouts exceed cash flowFired468% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $39K | $14K | $31K | $20K | $27K | 33% |
| Operating cash flow | $35M | $7M | $58M | −$285K | $4M | 1513% |
| Capex | $5M | $3M | $2M | $2M | $2M | 18% |
| Stock-based comp | $3M | $3M | $3M | $3M | $4M | 30% |
| Buybacks | $0 | $0 | $0 | $0 | $10M | |
| Dividends | $6M | $8M | $9M | $9M | $9M | 0.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $5M | $6M | 128 | 168 |
| FY2024 | $2M | $2M | 95 | 112 |
| FY2023 | $3M | $2M | 99 | 85 |
| FY2022 | $1M | −$644K | 95 | 89 |
| FY2021 | $2M | $5M | 170 | 117 |