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MVB Financial (MVBF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · MVB Financial (MVBF) Q3 2026 earnings results →
Q3 2026 Revenue down 34% year over year to $40.4M · 1¢ of every $1 of revenue kept as net profit · operating margin 1.6%
MVB Financial made $40.4M in Q3 2026 (-34% Y/Y): Net interest income $32.6M, Noninterest income $7.8M. Operating margin 1.6%, net earnings $438K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $40.4M in Q3 2026, down 34% year over year and down 21% from the previous quarter. Net interest income was the largest line at 81% of revenue. Noninterest income lost $26.8M year over year (down 77%), 129% of the total change.
Operating profit was $639K, a 1.6% margin (down 36.7 points year over year). Total costs grew 5% against a revenue fall of 34%. The fastest-growing cost line was Other operating costs (+125%). Net earnings were $438K, down 97% year over year. The effective tax rate was 31.5%.
Operating cash flow was −$1.2M. Non-cash charges added back $389K of depreciation and amortization and $524K of share-based compensation. Working capital and other items used $2.6M. Capital expenditures of $146K exceeded it, leaving free cash flow of −$1.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $40.4M | -34% | 1.6% | $438K | −$1.2M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About MVB Financial
MVB Financial Corp. is a financial holding company organized in 2003 as a West Virginia corporation that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (the “Bank”). The Bank’s consolidated subsidiaries include MVB Edge Ventures, Inc. (“Edge Ventures”), Paladin Fraud, LLC ("Paladin Fraud") and MVB Insurance, LLC. Edge Ventures wholly-owns MVB Technology, LLC and Victor Technologies, Inc. ("Victor"). The Bank also owns an equity method investment in Intercoastal Mortgage Company, LLC (“ICM”) and MVB Financial Corp. owns equity method investments in Warp Speed Holdings, LLC (“Warp Speed”) and Ayers Socure II, LLC (“Ayers Socure II”). MVB Financial Corp.'s consolidated subsidiaries also include SPE PR, LLC.
In its own words, from its 10-K, filed Mar 12, 2026.
MVB Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -34% against the peers' median +10%. Operating margin: 1.6% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| MVBF MVB Financial | Q3 2026 | $40.4M | -34% | 1.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: MVB Financial 10-Q on SEC EDGAR · CIK 1277902 · State Commercial Banks
13F: who owns MVBF and who is buying
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History
Every quarter: Q3 2026 results