Filing Flows › MVB Financial (MVBF) › Q3 2026
MVB Financial (MVBF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
MVB Financial (MVBF) reported revenue of $40.4M for the third quarter 2026 (Q3 2026), -34% from a year earlier and -21% from the quarter before. Operating margin was 1.6%, net earnings $438K (1.1% of revenue).
MVB Financial, Q3 2026: revenue $40.4M (-34% year over year), operating margin 1.6%, net earnings $438K, operating cash flow −$1.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $40.4M | -21% | -34% |
| Operating profit | $639K | -96% | -97% |
| Net earnings | $438K | -96% | -97% |
| Operating cash flow | −$1.2M | — | — |
What changed
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.
Questions
What was MVB Financial's revenue in the third quarter 2026?
MVB Financial (MVBF) reported revenue of $40.4M for the third quarter 2026 (Q3 2026), -34% from a year earlier and -21% from the quarter before.
Was MVB Financial profitable in the third quarter 2026?
Operating profit was $639K (1.6% of revenue) and net earnings $438K.
Source: MVB Financial 10-Q on SEC EDGAR.