{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-24-000003","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2024-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.658542+00:00","generated_at":"2026-06-06T02:07:20.745461+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"MVB Financial Q4 net income $7.9M, EPS $0.61; NIM expands 17bps to 4.04%","bullets":["Q4 net income $7.9M ($0.61 diluted EPS); net interest margin improved 17bps to 4.04%.","Loans increased 2.1% QoQ to $2.32B, deposits declined 4.5% QoQ to $2.90B; NIB deposits rose 9.4%.","Noninterest expense fell 7.9% QoQ to $28.3M; noninterest income down 23.4% due to equity method losses.","Credit quality improved: nonperforming loans $8.3M (0.4% of loans); criticized loans 5.3% of loans; ACL release $2.1M.","Tier 1 RBC ratio 14.4%, Community Bank Leverage Ratio 10.5%; quarterly dividend unchanged at $0.17/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-24-000003","json":"https://secwatch.observer/filing/0001277902-24-000003.json","markdown":"https://secwatch.observer/filing/0001277902-24-000003.md","text":"https://secwatch.observer/filing/0001277902-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790224000003/0001277902-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790224000003/mvbf-20240214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T02:07:20.745461+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":"363e1022d6bc0f299712e8a436a42a1ffa12b2e9","claim":"MVB FINANCIAL CORP reported quarter ended December 31, 2023 results: net income net income of $7.9 million, EPS $0.62 basic and $0.61 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 fourth quarter and year ended December 31, 2023, with reported net income of $7.9 million, or $0.62 basic and $0.61 diluted earnings per share for the three months ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790224000003/0001277902-24-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended December 31, 2023"},{"label":"Net income","value":"net income of $7.9 million"},{"label":"EPS","value":"$0.62 basic and $0.61 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"}