{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-23-000023","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2023-02-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.199440+00:00","generated_at":"2026-06-19T07:50:53.199412+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"MVB Financial Q4 net income $6.5M ($0.50 diluted EPS); net interest margin expands 32 bps QoQ","bullets":["Q4 net income $6.5M vs $2.7M in Q3 2022; diluted EPS $0.50 vs $0.21; FY 2022 net income $15.0M vs $39.1M in 2021.","Net interest margin (tax-equiv) 4.57%, up 32 bps QoQ; net interest income $33.7M, up 12% QoQ.","Noninterest income fell 22.8% QoQ to $6.3M; exited bitcoin mining loans with $3.8M loss on sale of $10.7M loans.","Merger with Integrated Financial Holdings received shareholder approval; expected close in Q1 2023.","Net charge-offs $5.4M (0.91% annualized) vs $1.3M in Q3, driven by one commercial relationship and consumer portfolio."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-23-000023","json":"https://secwatch.observer/filing/0001277902-23-000023.json","markdown":"https://secwatch.observer/filing/0001277902-23-000023.md","text":"https://secwatch.observer/filing/0001277902-23-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000023/0001277902-23-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000023/mvbf-20230217.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T07:50:53.199412+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":"1d2c77b62c212a66dc611c1cef43c790bca640ab","claim":"MVB FINANCIAL CORP reported the year ended December 31, 2022 results: net income $15,047, EPS $1.23 basic and $1.17 diluted earnings per share.","evidence_excerpt":"Net income $ 6,509 $ 2,718 $ 9,959 $ 15,047 $ 39,121 Earnings per share - basic $ 0.52 $ 0.22 $ 0.83 $ 1.23 $ 3.32 Earnings per share - diluted $ 0.50 $ 0.21 $ 0.77 $ 1.17 $ 3.10","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000023/0001277902-23-000023-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$15,047"},{"label":"EPS","value":"$1.23 basic and $1.17 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"bd10ac0ace450443e479ad16b607e765fdea06a5","claim":"MVB FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $6.5 million, EPS $0.52 basic and $0.50 diluted earnings per share.","evidence_excerpt":"today announced financial results for the fourth quarter and year ended December 31, 2022, with reported net income of $6.5 million, or $0.52 basic and $0.50 diluted earnings per share for the three months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000023/0001277902-23-000023-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$6.5 million"},{"label":"EPS","value":"$0.52 basic and $0.50 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"}