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MVB Financial Corp
MVB Financial Corp (MVBF) investor relations material
MVB Financial Corp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Reported Q4 2025 net income of $4.2 million, or $0.33 basic and $0.32 diluted EPS, closing a year of strategic progress and strong business momentum.
Net interest income grew 6.8% sequentially to $28.4 million, with net interest margin expanding by 17 basis points to 3.70%.
Strong loan growth of 3.7% quarter-over-quarter, with total loans reaching $2.34 billion.
Noninterest bearing deposits increased to 40.3% of total deposits, reflecting improved deposit mix.
Payment card and service charge income rose 19.4% sequentially, supporting core fee income momentum.
Financial highlights
Net interest income (GAAP) for Q4 2025 was $28.4 million, up from $26.6 million in Q3 2025.
Noninterest income was $10.7 million, down $23.9 million from Q3 due to a prior quarter gain on sale of Victor Technologies.
Noninterest expense declined 5.5% sequentially to $31.5 million, mainly from lower compensation costs post-Victor sale.
Book value per common share increased to $26.26, and tangible book value per share to $26.17.
Return on average assets was 0.5% and return on average equity was 5.1% for Q4 2025.
Outlook and guidance
Loan pipelines and core fee income categories remain healthy, positioning for sustained growth into 2026.
Strategic initiatives and balance sheet optimization are expected to drive enhanced profitability.
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Next MVB Financial Corp earnings date
Q1 202629 Apr, 2026
MVB Financial Corp
Next MVB Financial Corp earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
MVB Financial Corp. is a financial holding company that operates through its primary subsidiary, MVB Bank, Inc. The company provides a range of financial services to individuals and businesses, with operations segmented into CoRe Banking, Mortgage Banking, and Financial Holding. MVB offers traditional banking products such as deposit accounts, loans, and credit lines. Additionally, the company is actively involved in the fintech sector, offering services like Banking-as-a-Service (BaaS) to fintech companies, particularly those in gaming, payments, and digital assets. MVB Financial also provides fraud prevention solutions and digital banking tools. The company operates full-service branches mainly in West Virginia and Virginia. MVB Financial Corp. is headquartered in Fairmont, West Virginia, and its shares are listed on the NASDAQ.
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