MVBF PEER ANALYSIS

MVB Financial Corp — metric-by-metric comparison with peers and the industry median

MVBFMVB Financial Corp

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

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

MVBFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	MVBF	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	13.23	15.93	—	2.96●	9.10	13.24	12.88
P/B	1.13	4.06	32,231.62	0.71●	1.40	1.39	1.28
EV/EBITDA	10.41	-9.01●	428,450.45	2.20	-8.48	14.73	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	MVBF	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	5.97●	—	—	—	0.25	0.12	0.31
Debt/Equity	17.5%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	1.20	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	MVBF	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	14.3%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	8.9%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	0.9%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	MVBF	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	48.8%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	2.3%	—	—	—	4.8%●	3.2%	2.5%
Payout	30.4%	—	—	—	—	—	31.4%

Valuation
Metric	MVBF	FRST	PKBK	FNLC	USCB	NECB	Ind. Median
P/E	13.23	8.44●	9.35	10.48	13.43	8.55	12.88
P/B	1.13	0.91●	1.17	1.33	1.67	1.05	1.28
EV/EBITDA	10.41	11.03	7.77	13.32	2.87●	5.14	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	MVBF	FRST	PKBK	FNLC	USCB	NECB	Ind. Median
Current Ratio	5.97●	0.11	0.07	0.43	1.01	0.05	0.31
Debt/Equity	17.5%	88.5%	45.7%	68.3%	41.4%	7.0%●	38.0%
NetDebt/EBITDA	1.20	5.37	0.74	4.15	-6.92●	-0.82	-0.58

Profitability
Metric	MVBF	FRST	PKBK	FNLC	USCB	NECB	Ind. Median
Net Margin	14.3%	15.8%	28.1%	20.9%	19.8%	28.5%●	20.6%
ROE	8.9%	11.5%	13.0%	13.3%●	12.4%	12.8%	10.9%
ROA	0.9%	1.2%	1.9%	1.1%	1.0%	2.2%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	MVBF	FRST	PKBK	FNLC	USCB	NECB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	48.8%	171.0%●	43.6%	29.2%	0.3%	-5.3%	19.4%
Div. Yield	2.3%	2.4%	2.1%	4.2%●	2.0%	2.8%	2.5%
Payout	30.4%	21.6%	20.2%	45.4%	29.2%	32.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.