MVB Financial Q1 net income $5.2M ($0.39 EPS); loan growth 10.3% annualized; subsequent $10M gain

MVB FINANCIAL CORP

2026-Q1 EPS reported $0.39

Net income $5.2M, diluted EPS $0.39; net interest income $28.5M, NIM 3.71%, cost of funds 2.17%.
Loan growth 2.6% QoQ (10.3% annualized) to $2.40B; total deposits $2.90B; loan-to-deposit ratio 83.0%.
Noninterest expenses down 10.7% QoQ to $28.1M; positive operating leverage with revenues up 8.8% YoY.
Subsequent to Q1, recognized ~$10M pre-tax gain on Fintech investment; expected to add ~$0.59 to TBV per share.
Pre-tax, pre-provision earnings $8.5M, up from $7.6M in Q4 2025 and $5.0M in Q1 2025.

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