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MVB Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$1.4M in Q3 2026 · −$35.4M over twelve months

Operating cash flow−$1.2M
Capital spending−$146K
Free cash flow−$1.4M
Cash / net income-2.7×

Analysis

In Q3 2026, MVB Financial generated −$1.2M of operating cash flow and spent $146K on capital projects, leaving free cash flow of −$1.4M. That is $2.2M more than in Q3 2025 (−$3.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$34.3M; the largest uses were other investing ($342M), operating cash flow ($34.3M), dividends ($8.7M); besides operations, cash came from other financing ($293M), shares issued ($5.8M); the cash balance fell by $90.1M.

Operating cash flow was −$1.2M against net income of $438K — -2.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$12.6M, other liabilities +$4.4M, deferred taxes −$2.2M.

Free cash flow

MVB Financial: free cash flow by quarterMVB Financial: free cash flow by quarter−$10.7MQ4 2024$13.9MQ1 2025$7.2MQ2 2025−$3.5MQ3 2025−$15.5MQ4 2025−$23.4MQ1 2026$4.9MQ2 2026−$1.4MQ3 2026
Operating cash flow less capital spending.
MVB Financial: operating cash flow against capital spendingMVB Financial: operating cash flow against capital spendingOperating cash flowCapital spending−$10.5M$134KQ4 2024$14.1M$261KQ1 2025$7.4M$191KQ2 2025−$2.6M$955KQ3 2025−$15.0M$508KQ4 2025−$23.3M$140KQ1 2026$5.2M$329KQ2 2026−$1.2M$146KQ3 2026
Latest (Q3 2026): Operating cash flow −$1.2M, Capital spending $146K.

Capital allocation, year by year

MVB Financial: where the cash came from (up) and went (down), by fiscal yearMVB Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $34.8MFY2021: Shares issued $4.9MFY2021: Asset sales $300KFY2021: Capital spending −$4.9MFY2021: Acquisitions −$772KFY2021: Dividends −$6.0M$40.0MFY2021FY2022: Operating cash flow $7.4MFY2022: Net borrowing $9.9MFY2022: Shares issued $2.1MFY2022: Asset sales $49KFY2022: Capital spending −$3.0MFY2022: Dividends −$8.4M$19.3MFY2022FY2023: Operating cash flow $58.2MFY2023: Net borrowing −$3.0MFY2023: Shares issued $637KFY2023: Asset sales $417KFY2023: Capital spending −$1.9MFY2023: Dividends −$8.6M$59.3MFY2023FY2024: Operating cash flow −$285KFY2024: Net borrowing −$6.8MFY2024: Shares issued $1.5MFY2024: Capital spending −$1.6MFY2024: Dividends −$8.8M$1.5MFY2024FY2025: Operating cash flow $4.0MFY2025: Shares issued $2.3MFY2025: Asset sales $46.0MFY2025: Capital spending −$1.9MFY2025: Buybacks −$10.2MFY2025: Dividends −$8.7M$52.3MFY2025
Over these 5 years operating cash flow totalled $104M; the largest uses were dividends ($40.5M) and capital spending ($13.4M). Cash-flow statements as filed.

Where the cash came from and went

MVB Financial: sources (+) and uses (−) of cash, Q3 2026MVB Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$103MOther investing−$77.4MOther financing−$22.6MDividends−$2.2MOperating cash flow−$1.2MShares issued$954KCapital spending−$146KTaxes on employees’ shares−$49K
MVB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026MVB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$342MOther financing$293MCash drawn (+) / kept (−)$90.1MOperating cash flow−$34.3MDividends−$8.7MShares issued$5.8MTaxes on employees’ shares−$1.5MBuybacks−$1.4MCapital spending−$1.1MAsset & business sales$9K

From profit to cash

MVB Financial: net income to operating cash flow, Q3 2026MVB Financial: net income to operating cash flow, Q3 2026Net income$438KDepreciation & amortization$389KStock-based pay$524KDeferred taxes−$2.2MPrepaid and other assets−$12.6MOther liabilities$4.4MOperating cash flow−$1.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$1.2M−$146K—−$2.2M—$954K$103M−$1.4M
Q2 2026$5.2M−$329K—−$2.2M—$844K−$135M$4.9M
Q1 2026−$23.3M−$140K—−$2.2M$20.0M$1.9M$66.5M−$23.4M
Q4 2025−$15.0M−$508K−$142K−$2.2M—$2.1M$55.9M−$15.5M
Q3 2025−$2.6M−$955K−$3.6M−$2.1M—$158K$99.3M−$3.5M
Q2 2025$7.4M−$191K—−$2.2M——−$148M$7.2M
Q1 2025$14.1M−$261K—−$2.2M—$72K$66.5M$13.9M
Q4 2024−$10.5M−$134K—−$2.2M$5K$248K$293M−$10.7M

MVB Financial: income statement and cash flow

MVB Financial, Q3 2026: revenue $40.4M (-34% year over year), operating margin 1.6%. The chart follows the revenue to costs, profit and cash.

MVB Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.