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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
Net interest income rose 6.8% sequentially to $28.4 million, with net interest margin up 17 basis points to 3.71%.
Loan growth reached $83.8M (3.7%) sequentially and $243M (11.6%) year-over-year, with total loans at $2.34 billion.
Noninterest expenses declined 5.5% from the prior quarter and 6.4% year-over-year, mainly from lower compensation costs post-Victor sale.
Tangible book value per share increased to $26.17, up 0.73% from Q3 2025.
Payment card and service charge income grew 19.4% year-over-year and quarter-over-quarter, supporting core fee income momentum.
Financial highlights
Noninterest-bearing deposits comprised 40.3% of total deposits, reflecting improved deposit mix.
Payments revenue posted a 102% CAGR from 2021 to 2025, reaching $11.5M in 2025.
Deposits grew at a 6% CAGR since 2021, totaling $3.58B at year-end 2025.
Noninterest income was $10.7 million, down $23.9 million from Q3 due to a prior quarter gain on sale of Victor Technologies.
Return on average assets was 0.5% and return on average equity was 5.1% for Q4 2025.
Outlook and guidance
Strong fintech partnership pipeline with 52 opportunities across issuing, acquiring, money movement, gaming, and digital assets.
Multiple advanced-stage fintech launches anticipated in Q1 2026.
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.
$357M of CDs repricing over the next four quarters, offering future repricing opportunities.
Charge-off normalization outlook
Sustain NIB deposit growth
Fintech capital deployment strategy
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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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