MVBF FINANCIAL STATEMENTS

MVB Financial Corp — balance sheet, income statement and cash flow trends

MVBFMVB Financial Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue199.7 M $-8.3%

Gross Profit121.6 M $-14.8%

Operating Income38.7 M $+52.7%

EBITDA41 M $+41.5%

Net Income28.5 M $+48.8%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
MVBF	—	—	—	14.3%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity334.9 M $10%
Current Liabilities4.4 M $0%
Long-term Liabilities3 B $90%

Key Figures

YoY change

Total Assets3.3 B $+10.0%

Total Liabilities3 B $+10.3%

Total Equity334.9 M $+8.0%

Cash & ST Investments9.4 M $-98.6%

Total Debt58.5 M $-24.9%

Net Debt49.1 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
MVBF	5.97	17.5%	1.20	10.1%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
MVBF	5.97	17.5%	1.20	10.1%
FRST	0.11	88.5%	5.37	10.0%
PKBK	0.07	45.7%	0.74	15.2%
FNLC	0.43	68.3%	4.15	9.0%
USCB	1.01	41.4%	-6.92	7.8%
NECB	0.05	7.0%	-0.82	17.6%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow-33.4 M $-185.4%

Capital Expenditures1.8 M $+86.9%

Free Cash Flow-35.2 M $-192.3%

Dividends Paid-8.7 M $-204.1%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
MVBF	-16.7%	-17.6%	0.9%	-117.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
MVBF	-16.7%	-17.6%	0.9%	-117.0%
FRST	-26.7%	-27.3%	0.7%	-169.1%
PKBK	30.6%	30.4%	0.2%	108.9%
FNLC	33.6%	32.2%	1.4%	160.9%
USCB	30.9%	30.5%	0.4%	156.3%
NECB	33.9%	32.9%	1.0%	118.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.