---
schema_version: "secwatch.filing_event.v1"
accession: "0001277902-25-000191"
form_type: "8-K"
ticker: "MVBF"
cik: "0001277902"
company_name: "MVB FINANCIAL CORP"
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:35:53.000362+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# MVB Financial Q3 net income $17.1M; Victor sale $34.1M gain; repositioning to add $0.30-$0.35 EPS

## Summary
- Net income $17.1M ($1.36 basic, $1.32 diluted EPS); gain on Victor sale $34.1M pre-tax.
- Securities repositioning: sold $72.5M (1.7% yield), $7.6M loss; reinvested $70.8M at 5.1% yield; expects $0.30-$0.35 annualized EPS benefit.
- Net interest income (tax-eq) $26.8M, up 3.1% QoQ; loan growth 4.9% to $2.26B; deposits down 1% to $2.78B.
- Book value per share up 9.6% to $26.07; TBVPS up 9.7% to $25.98; completed $10M share repurchase at avg $21.15.
- Provision for credit losses $4.4M (vs $2.0M prior qtr); nonperforming loans 1.2% (up from 1.0%) due to one credit.

## SEC filing metadata
- accession: 0001277902-25-000191
- form_type: 8-K
- ticker: MVBF
- cik: 0001277902
- company_name: MVB FINANCIAL CORP
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1277902/000127790225000191/0001277902-25-000191-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1277902/000127790225000191/mvbf-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001277902-25-000191
- JSON: https://secwatch.observer/filing/0001277902-25-000191.json
- Plain text: https://secwatch.observer/filing/0001277902-25-000191.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.