MVB Financial Q2 net income $2.0M; EPS $0.16 misses expectations; loan growth 4.4%

MVB FINANCIAL CORP

2025-Q2 EPS reported $0.42

Net income of $2.0M ($0.16 diluted EPS); CEO says earnings fell short due to loan growth timing.
Loan balances up 4.4% QoQ to $2.15B; deposit growth 8.5% to $2.80B.
Net interest margin (tax-equivalent) 3.69%, up 3bps QoQ; provision for credit losses $2.0M (up from $0.2M prior quarter).
Repurchased 314,580 shares for $6.4M under new $10M buyback authorization.
Criticized loans declined 16.6% to $112.9M; net charge-offs $0.2M (0.04% annualized).

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