{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-22-000099","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2022-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.976168+00:00","generated_at":"2026-06-22T21:26:20.243621+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"MVB Financial Q3 net income $2.7M, EPS $0.21; announces 12% expense reduction plan","bullets":["Net income of $2.7M, down from $11.8M in Q3 2021; diluted EPS $0.21 vs $0.92 a year ago.","Net interest income (tax-equiv) $30.1M, up 11.8% QoQ and 55.1% YoY on loan growth and margin expansion.","Total deposits $2.70B, up 3.1% QoQ; noninterest-bearing deposits 52% of total.","Loans $2.47B, up 11.6% QoQ; provision for loan losses $5.1M (flat QoQ).","Targeting 12% reduction in annualized Q3 noninterest expense base; 75% of savings by Q1 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-22-000099","json":"https://secwatch.observer/filing/0001277902-22-000099.json","markdown":"https://secwatch.observer/filing/0001277902-22-000099.md","text":"https://secwatch.observer/filing/0001277902-22-000099.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790222000099/0001277902-22-000099-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790222000099/mvbf-20221031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T21:26:20.243621+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"cbdf9ed2fbd31f89708ba644fd41ec96dc7bf4f4","claim":"MVB FINANCIAL CORP reported third quarter of 2022 results: net income $2.7 million, EPS $0.22 basic and $0.21 diluted earnings per share.","evidence_excerpt":"MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB” or the “Company”), the holding company for MVB Bank, Inc. (\"MVB Bank\"), today announced financial results for the third quarter of 2022, with reported net income of $2.7 million, or $0.22 basic and $0.21 diluted earnings per share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790222000099/0001277902-22-000099-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2022"},{"label":"Net income","value":"$2.7 million"},{"label":"EPS","value":"$0.22 basic and $0.21 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}