---
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"
generated_at: "2026-05-15T01:37:04.085193+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001277902-26-000060
- JSON: https://secwatch.observer/filing/0001277902-26-000060.json
- Plain text: https://secwatch.observer/filing/0001277902-26-000060.txt

## Key facts
- Earnings Releases
  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.
  - Period: the first quarter of 2026
  - Net income: $5.2 million
  - EPS: $0.41 basic and $0.39 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1277902/000127790226000060/0001277902-26-000060-index.htm

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