MVB Financial (MVBF) Stock Analysis & Winston Score

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. 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 c

Winston Score History

Score breakdown

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Quality

Gross Margin

65.7%

Premium pricing power — 65.7% gross margin

Operating Margin

12.6%

Healthy — 12.6% operating margin

ROCE

1.7%

Weak — 1.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-8.3%

Shrinking sales (-8.3% YoY)

EPS YoY

+51.7%

Earnings growing fast (51.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

-117%

Weak — only -117% of profit becomes cash

FCF Margin

-17.7%

Burning cash (-17.7%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.17

Conservative — low debt load (0.17)

Interest Cover

0.57x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.7x

no trend

Attractive valuation — P/E 12.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-5.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

2.31%

no trend

Moderate income — 2.31% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

no trend

Dividend flat

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