MVB Financial Corp. cash flow to debt ratio of 5.21% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

MVB Financial Corp.'s free cash flow has increased -210.92% from $-1.91M last year to $2.11M, signaling increasing performance

MVB Financial Corp.'s debt to equity ratio is 0.16, which means that the company's assets are healthy financed, signaling financial stability.

MVB Financial Corp.'s debt has decreased relative to shareholder equity from 0.25 last year to 0.16 today, signaling strengthened financials

MVB Financial Corp. has a net cash position, so leverage is healthy.

MVB Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

MVB Financial Corp.'s profit margin has increased (100.39%) in the last year from 8.84% to 17.71%, signaling increasing performance

MVB Financial Corp.'s short-term liabilities of $2.85B exceed its short-term assets of $249.86M, signaling financial risk

MVB Financial Corp.'s return on assets of 1.09% is lower than the 5.00% threshold, indicating inefficient asset utilization

MVB Financial Corp.'s return on equity of 11.57%, is lower than 15.00%, indicating bad performance

MVB Financial Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

MVB Financial Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

MVB Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

MVB Financial Corp. has a free cash flow yield of 0.55%, which is below the 2.00% threshold, indicating limited cash return relative to market value

MVB Financial Corp.'s yearly earnings has increased 34.09% since last year from $20.09M to $26.94M, signaling increasing performance

MVB Financial Corp.'s yearly revenue has increased 18.96% since last year from $227.33M to $270.44M, signaling increasing performance

ROIC 1.09% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

MVB Financial Corp.'s 3-year revenue CAGR of 21.08% is positive, indicating growing revenue over the past 3 years

MVB Financial Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

MVB Financial Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

MVB Financial Corp. is overvalued relative to its fair value price of 11.10 based on Discounted Cash Flow model

MVB Financial Corp. has an earnings yield of 10.11%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

MVB Financial Corp. is undervalued relative to its fair value price of 31.04 based on EBITDA multiple model

MVB Financial Corp. has an EV/EBITDA ratio of 5.34x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

MVB Financial Corp. is undervalued relative to its fair value price of 50.58 based on Earnings Fair Value model

MVB Financial Corp.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

MVB Financial Corp. has a price-to-book ratio of 1.11x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

MVB Financial Corp. has a price-to-sales ratio of 1.75x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue