Stock fact sheet · data as of
MVB Financial Corp. (MVBF): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is MVBF undervalued?
At 29.07 (close of 16 Oct 2026), MVBF trades 51% below the GLS average fair value of 59.41. That average comes from 7 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns MVB Financial Corp. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between DDM (10.01) and Graham Growth (172.43). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files MVBF under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for MVBF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 33.98 | +17% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 42.61 | +47% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 172.43 | +493% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 75.36 | +159% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 47.96 | +65% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 10.01 | -66% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 33.49 | +15% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -210.48 | -824% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 30.00 | +3% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
MVB Financial Corp. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 3.7/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.5%, ROE 8.1%, ROA 0.8% - with debt at 0.23 times equity and negative free cash flow.
The dividend yield is 2.34% at a payout ratio of 22%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Product And Services, Compliance Consul… 61%, Product And Services, Service Charges O… 26%, Product And Services, Debit Card And In… 9% (quarter Q3 FY2020).
Institutional ownership scores 7/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.5% |
|---|---|---|---|
| GLS Moat | 3.7 / 10 | ROE | 8.1% |
| Debt / equity | 0.23 | ROA | 0.8% |
| Free-cash-flow yield | -10.0% | Payout ratio | 22% |
| Institutions | 7 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 70: Good
With a Wheel Score of 70 - the Good band - MVB Financial Corp. clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 13/20, Moat 6/15, Premium 20/20, Stability 6/20; Stability (6/20) scores lowest.
Implied volatility is 44% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 106 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 56k shares a day on a market cap of $376M, with a beta of 0.86; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 51% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 3.7/10 | |
| Premium | 20 / 20 | implied volatility 44% | |
| Stability | 6 / 20 | 56k shares/day, $376M cap, beta 0.86 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 2 Nov 2026 (after the close), 17 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to MVB Financial Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CZFS Citizens Financial Services, Inc. | 79.12 | 99.01 | +20% | 39No options | $381M |
| PKBK Parke Bancorp, Inc. | 32.39 | 47.17 | +31% | 74Good | $381M |
| NECB Northeast Community Bancorp, Inc. | 27.68 | 79.18 | +65% | 75Good | $381M |
| FNLC The First Bancorp, Inc. | 33.80 | 38.72 | +13% | 68Good | $381M |
| FCBM First Carolina Financial Services | 12.63 | 18.27 | +31% | 39No options | $382M |
| FRST Primis Financial Corp | 15.44 | 55.70 | +72% | 71Good | $383M |
| MSBC Mission Bancorp | 120.00 | 135.36 | +11% | 39No options | $370M |
| CHMG Chemung Financial Corporation | 79.60 | 101.86 | +22% | 39No options | $384M |
| MFGI Merchants Financial Group, Inc. | 45.00 | 37.16 | -21% | 33No options | $368M |
| RVRF River Financial Corp. | 47.00 | 110.43 | +57% | 39No options | $367M |
| PCB PCB Bancorp | 27.60 | 32.30 | +15% | 67Good | $388M |
| NWFL Norwood Financial Corp. | 33.46 | 51.08 | +34% | 39No options | $365M |
⚖ Compare MVBF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MVBF
Is MVBF undervalued right now?
By the GLS models, yes: at 29.07 the stock is 51% below the average fair value of 59.41 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of MVBF and what does it mean?
MVBF scores 70 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for MVBF?
59.41 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does MVB Financial Corp. report earnings next?
The next earnings report is due on 2 Nov 2026 (after the close), 17 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does MVBF have listed options, and how liquid are they?
Yes. The nightly snapshot found 84 listed contracts with 106 open interest across all expiries and implied volatility of 44% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.