{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-26-000060","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.080536+00:00","generated_at":"2026-05-15T01:37:04.085193+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"MVB Financial Q1 net income $5.2M ($0.39 EPS); loan growth 10.3% annualized; subsequent $10M gain","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-26-000060","json":"https://secwatch.observer/filing/0001277902-26-000060.json","markdown":"https://secwatch.observer/filing/0001277902-26-000060.md","text":"https://secwatch.observer/filing/0001277902-26-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000060/0001277902-26-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000060/mvbf-20260429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T01:37:04.085193+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":"26e47f6d76b8fdb7d2fd9aba5726e1070a199298","claim":"MVB FINANCIAL CORP reported the first quarter of 2026 results: net income $5.2 million, EPS $0.41 basic and $0.39 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 first quarter of 2026. The Fintech-enabled bank powering payments, banking-as-a-service and gaming programs for leading Fintech companies nationwide, reported net income of $5.2 million, or $0.41 basic and $0.39 diluted earnings per share, for the first quarter of 2026.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000060/0001277902-26-000060-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$5.2 million"},{"label":"EPS","value":"$0.41 basic and $0.39 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"}