MVB Financial Corp. Financial Ratios — MVBF Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	35.68	37.8	23.2	8.03	24.64	33.96	15.91	21.39	36.71	36.58	29.09	9.72	18.77	11.15	13.8
Return on Assets (%)	0.57	0.66	0.47	0.2	0.55	0.92	0.51	0.73	1.46	1.75	1.53	0.51	0.98	0.62	0.84
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	7.74	2.16	2	2.58	4.36	4.11	3.29	3.37	2.7	2.81	4.01	3.85	3.42	2.61	2.08
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.27	23.63	10.68	6.03	14.23	16.12	15.07	17.64	28.95	40.09	45.3	10.87	18.63	17.48	29.56
Profit Margin (%)	15.47	16.88	8.58	4.32	10.22	15.59	9.26	13.77	22.31	31.95	37.33	10.89	21.32	13.33	21.61
Net Income to Common Margin (%)	15.22	16.33	8.4	3.63	9.36	14.22	8.65	13.21	21.92	31.55	37.3	10.89	21.32	13.33	21.61
Effective Tax Rate (%)	27.25	28.56	19.65	8.54	30.41	32.78	38.56	21.94	24.13	20.31	20.31	21.92	18.58	23.15	26.94
Dvd Payout Ratio (%)	8.2	7.61	13.65	27.38	10.63	8.23	14.6	10.6	8.78	11.57	16.15	75.45	39.27	43	32.36
Sustainable Growth Rate (%)	32.75	34.92	20.03	5.83	22.02	31.16	13.59	19.12	33.49	32.35	24.39	2.39	11.4	6.35	9.33

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	14	96	109	135	217	124	186	232	227	43	73	185	80	74	74
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	14	96	109	135	217	124	186	232	227	43	73	185	80	74	74
Total Debt/EBITDA	10.27	179.63	116.21	108.28	74.53	36.53	69.01	79.11	69.42	13.19	17.4	34.83	16.06	18.77	28.48
Net Debt/EBITDA	-4.49	114.4	63.57	74.56	59.99	27.17	55.97	66.51	57.02	-70.56	-56.49	27.26	-63.54	-62.1	-65.45
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.58	1.77	2.13	2.03	2.03	2.91	3.11	3.42	4.35	5.04	5.41	5.16	5.26	5.94	6.18
Long-Term Debt/Equity (%)	29.1	141.74	115.69	123.18	188.93	85.46	123.64	131.47	107.11	18.13	26.53	70.92	27.76	24.13	22.17
Long-Term Debt/Capital (%)	45.03	81.75	78.64	77.64	82.96	68.37	76.97	77.42	71.2	25.79	32.43	53.88	31.53	28.39	26.58
Long-Term Debt/Total Assets (%)	2.6	13.17	11.02	12.14	15.65	8.77	12.1	13.27	11.68	1.86	2.62	6.04	2.42	2.36	2.24
Total Debt/Equity (%)	29.1	141.74	115.69	123.18	188.93	85.46	123.64	131.47	107.11	18.13	26.53	70.92	27.76	24.13	22.17
Total Debt/Capital (%)	45.03	81.75	78.64	77.64	82.96	68.37	76.97	77.42	71.2	25.79	32.43	53.88	31.53	28.39	26.58
Total Debt/Total Assets (%)	2.6	13.17	11.02	12.14	15.65	8.77	12.1	13.27	11.68	1.86	2.62	6.04	2.42	2.36	2.24
Net Debt to Equity	-12.71	90.27	63.28	84.82	152.07	63.57	100.28	110.54	87.98	-97	-86.13	55.51	-109.87	-79.83	-50.93
Net Debt/Capital (%)	-55.74	74.04	66.82	70.51	79.67	61.66	73.05	74.25	67	216.26	278.98	47.76	221.57	420.62	-495.08
EBITDA	1	1	1	1	3	3	3	3	3	3	4	5	5	4	3
EBITDA-CapEx	1	-3	-6	-9	1	2	-2	- -	1	-3	-1	2	3	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.58	1.77	2.13	2.03	2.03	2.91	3.11	3.42	4.35	5.04	5.41	5.16	5.26	5.94	6.18
Long-Term Debt/Equity (%)	29.1	141.74	115.69	123.18	188.93	85.46	123.64	131.47	107.11	18.13	26.53	70.92	27.76	24.13	22.17
Long-Term Debt/Capital (%)	45.03	81.75	78.64	77.64	82.96	68.37	76.97	77.42	71.2	25.79	32.43	53.88	31.53	28.39	26.58
Long-Term Debt/Total Assets (%)	2.6	13.17	11.02	12.14	15.65	8.77	12.1	13.27	11.68	1.86	2.62	6.04	2.42	2.36	2.24
Total Debt/Equity (%)	29.1	141.74	115.69	123.18	188.93	85.46	123.64	131.47	107.11	18.13	26.53	70.92	27.76	24.13	22.17
Total Debt/Capital (%)	45.03	81.75	78.64	77.64	82.96	68.37	76.97	77.42	71.2	25.79	32.43	53.88	31.53	28.39	26.58
Total Debt/Total Assets (%)	2.6	13.17	11.02	12.14	15.65	8.77	12.1	13.27	11.68	1.86	2.62	6.04	2.42	2.36	2.24
CFO/Total Liabilities	-0.15	-1.66	0.13	2.44	-1.8	1.98	2.39	0.43	-0.47	5.36	1.38	0.26	1.93	-0.01	0.14
CFO/CapEx	-1.11	-2.83	0.18	2.49	-10.64	15.15	7.37	2.49	-3.95	16.97	7.16	2.42	30.41	-0.18	2.1
Altman's Z-Score	0.09	0.12	0.15	0.13	0.12	0.14	0.18	0.17	0.22	0.19	0.22	0.17	0.17	0.18	0.18

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.75	3.13	3.55	2.7	3.06	3.47	3.29	2.9	2.9	1.96	1.57	1.81	3.28	- -	- -
Days Sales Outstanding	132.52	116.56	102.72	135.31	119.21	105.12	110.96	125.73	125.72	186.34	231.83	201.47	111.31	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	37	69	128	119	105	105	207	199	292	268	489	266	286	267	330
- Cash & Cash Equivalents	20	35	49	42	42	32	35	37	41	276	310	40	398	318	244
+ Preferred Equity and Hybrid Capital	8	8	8	16	16	16	8	8	7	7	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -
+ Total Debt	14	96	109	135	217	124	186	232	227	43	73	185	80	74	74
Enterprise Value	-60	60	89	160	226	52	134	181	250	-367	-169	31	-377	-388	154
Total Capital	31	117	138	174	261	182	241	300	319	168	225	344	255	260	278
Total Debt/Capital (%)	45.03	81.75	78.64	77.64	82.96	68.37	76.97	77.42	71.2	25.79	32.43	53.88	31.53	28.39	26.58
Total Debt / EV	-0.23	1.61	1.22	0.84	0.96	2.41	1.38	1.29	0.91	-0.12	-0.43	5.96	-0.21	-0.19	0.48
EV/Sales	- -	2.41	1.9	3.32	3.38	0.62	1.64	2.07	2.07	- -	- -	0.23	- -	- -	1.24
EV/EBITDA	- -	111.81	95.38	128.53	77.55	15.16	49.85	61.48	76.42	- -	- -	5.84	- -	- -	59.31
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	77.36	6.55	- -	2.04	4.05	26.98	- -	- -	- -	4.23	- -	- -	38.27
EV/Free Cash Flow to Firm	- -	- -	11.66	4.68	- -	1.92	3.57	19.24	- -	- -	- -	2.99	- -	- -	25.94
Diluted Market Cap	37	69	128	122	107	129	210	230	300	274	524	285	293	272	339
Diluted Enterprise Value	39	139	196	231	297	238	368	433	494	49	288	430	-25	28	168
EV per Share	- -	10.29	11.61	20.14	28.14	6.29	13.01	16.37	21.33	- -	- -	2.58	- -	- -	12.07
TTM Sales	17	25	47	48	67	83	82	87	121	117	105	138	146	151	125
TTM EBITDA	1	1	1	1	3	3	3	3	3	3	4	5	5	4	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	-11	1	24	-23	25	33	7	-8	112	35	7	58	- -	4
TTM Free Cash Flow to Firm	- -	-7	8	34	-21	27	38	9	-6	119	40	10	60	1	6

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-511.99	-9.82	16.68	3.57	-5.14	4.79	5.58	24.45	-49.86	2.31	13.2	27.42	4.87	203.69	56.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-60	60	89	160	226	52	134	181	250	-367	-169	31	-377	-388	154
Low Price	6.5	9	11.85	14.25	12.75	9.5	12.5	14.65	14.31	8.22	21.24	21.37	16.26	17.51	15.59
EV/Sales	- -	2.41	1.9	3.32	3.38	0.62	1.64	2.07	2.07	- -	- -	0.23	- -	- -	1.24
EV/EBITDA	- -	111.81	95.38	128.53	77.55	15.16	49.85	61.48	76.42	- -	- -	5.84	- -	- -	59.31
Price/Earnings	13.87	17.24	32.45	68.16	16.82	8.92	29.28	17.28	11.01	7.26	12.51	17.65	9.17	13.28	12.25
Price/Earnings Average	15.15	16.93	29.25	72.5	18.33	8.82	21.81	17.87	7.95	5.2	11.47	26.89	8.82	13.17	10.42
Price/Earnings High	16.51	17.24	39.19	81.85	20.29	9.76	29.72	19.26	11.93	7.99	13.84	35.43	11.17	16.19	13.73
Price/Earnings Low	10.73	12.93	23.16	64.8	16.37	6.62	18.21	14.04	6.32	2.63	6.4	17.12	6.61	11.23	7.39
Price/Book Value	4.36	5.4	6.07	5.3	3.73	2.55	4.34	3.32	3.45	2.28	3.24	1.68	1.64	1.43	1.61
Price/Book Value Average	4.76	5.3	5.47	5.63	4.06	2.52	3.23	3.43	2.5	1.63	2.97	2.55	1.58	1.42	1.37
Price/Book Value High	5.19	5.4	7.33	6.36	4.5	2.79	4.41	3.7	3.74	2.51	3.58	3.37	2	1.75	1.81
Price/Book Value Low	3.37	4.05	4.33	5.03	3.63	1.89	2.7	2.7	1.98	0.83	1.66	1.63	1.18	1.21	0.97
Price/Tangible Book Value	0.96	1.68	1.88	1.58	1.33	0.95	1.68	1.33	1.61	1.18	1.82	1.03	1	0.87	0.99
Price/Tangible Book Value Average	1.05	1.65	1.7	1.68	1.45	0.94	1.25	1.37	1.16	0.84	1.67	1.56	0.96	0.87	0.84
Price/Tangible Book Value High	1.14	1.68	2.28	1.9	1.6	1.04	1.71	1.48	1.74	1.3	2.01	2.06	1.22	1.06	1.11
Price/Tangible Book Value Low	0.74	1.26	1.35	1.5	1.29	0.71	1.05	1.08	0.92	0.43	0.93	1	0.72	0.74	0.6
Price/Sales	2.11	2.82	2.72	2.47	1.57	1.27	2.53	2.28	2.41	2.29	4.67	1.92	1.96	1.77	2.65
Price/Sales Average	2.31	2.77	2.46	2.63	1.72	1.25	1.89	2.36	1.74	1.64	4.28	2.93	1.88	1.76	2.25
Price/Sales High	2.51	2.82	3.29	2.97	1.9	1.39	2.57	2.54	2.61	2.52	5.16	3.86	2.38	2.16	2.97
Price/Sales Low	1.63	2.11	1.94	2.35	1.53	0.94	1.58	1.85	1.39	0.83	2.39	1.86	1.41	1.5	1.6
Price/Cash Flow	-49.75	-6.36	110.64	4.88	-4.58	4.16	6.26	29.73	-36.21	2.39	14.05	36.11	4.92	-936.23	81.92
Price/Cash Flow Average	-54.33	-6.24	99.73	5.19	-5	4.11	4.66	30.74	-26.16	1.71	12.87	55.02	4.73	-928.14	69.7
Price/Cash Flow High	-59.22	-6.36	133.64	5.86	-5.53	4.55	6.35	33.12	-39.23	2.63	15.54	72.51	5.99	-1,141.57	91.85
Price/Cash Flow Low	-38.5	-4.77	78.98	4.64	-4.46	3.09	3.89	24.14	-20.79	0.87	7.19	35.04	3.54	-791.95	49.45
Price/Free Cash Flow Average	-559.11	-9.65	15.04	3.79	-5.6	4.73	4.15	25.29	-36.02	1.65	12.1	41.79	4.69	201.93	48.46
Price/Free Cash Flow High	-609.51	-9.82	20.15	4.28	-6.2	5.23	5.66	27.24	-54.02	2.54	14.6	55.07	5.94	248.37	63.86
Price/Free Cash Flow Low	-396.18	-7.37	11.91	3.39	-5	3.55	3.47	19.85	-28.63	0.84	6.75	26.61	3.51	172.3	34.38
EV/Sales Average	2.44	5.58	3.91	4.9	4.58	2.57	3.82	4.69	3.35	- -	2.02	3.98	- -	0.14	0.89
EV/Sales High	2.65	5.63	4.74	5.24	4.76	2.7	4.51	4.88	4.22	0.6	2.91	4.91	0.21	0.54	1.6
EV/Sales Low	1.77	4.93	3.4	4.62	4.39	2.26	3.51	4.19	2.99	- -	0.13	2.92	- -	- -	0.23
EV/EBITDA Average	31.57	258.42	195.61	189.41	104.94	62.48	116.23	139.23	123.75	-9.99	50.52	103.34	-8.49	5.22	42.58
EV/EBITDA High	34.26	260.74	237.42	202.53	109.15	65.71	137.03	144.65	155.98	21.37	72.64	127.51	6.2	20.69	76.9
EV/EBITDA Low	22.9	228.14	170.03	178.6	100.74	54.87	106.76	124.18	110.53	-38.82	3.34	75.74	-22.29	-4.66	11.18
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.4	12	16.6	14.99	13.1	12.8	20.1	18.04	24.92	22.68	41.52	22.02	22.56	20.7	25.83
High Price	10	12	20.05	18	15.8	14	20.4	20.1	27	24.98	45.94	44.22	27.49	25.24	28.96
Enterprise Value Average	43	138	183	236	305	213	313	409	405	-33	212	550	-42	21	111
Enterprise Value High	46	139	222	252	317	224	369	425	510	70	305	679	31	81	200
Enterprise Value Low	31	122	159	222	293	187	287	365	361	-128	14	403	-112	-18	29

Shares Outstanding	4	6	8	8	8	10	10	12	12	12	12	13	13	13	13
Diluted Weighted Avg Shares	4	6	8	8	8	10	10	13	12	12	13	13	13	13	13
Basic Weighted Avg Shares	4	6	8	8	8	8	10	11	12	12	12	12	13	13	13
Revenue per Share	3.98	4.26	6.09	6.06	8.32	10.09	7.93	7.9	10.33	9.91	8.9	11.46	11.54	11.69	9.76
EBITDA per Share	0.31	0.09	0.12	0.16	0.36	0.41	0.26	0.27	0.28	0.28	0.36	0.44	0.39	0.3	0.2
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.61	0.7	0.51	0.22	0.78	1.43	0.69	1.04	2.26	3.13	3.32	1.25	2.46	1.56	2.11
Basic EPS from Cont Ops	0.62	0.72	0.52	0.33	0.82	1.09	0.73	1.09	2.27	3.16	3.21	0.97	1.75	1.57	2.11
Diluted EPS, GAAP	0.61	0.7	0.51	0.21	0.77	1.17	0.68	0.91	2.2	3.06	3.1	1.16	2.4	1.53	2.06
Diluted EPS from Cont Ops	0.62	0.72	0.52	0.33	0.81	0.89	0.73	0.94	2.21	3.09	3	0.91	1.71	1.54	2.05
Dividend per Share	0.06	0.08	0.08	0.12	0.15	0.22	0.15	0.15	0.24	0.4	0.52	0.69	0.68	0.68	0.68
Cash Flow per Share	-0.17	-1.89	0.15	3.07	-2.86	3.08	3.21	0.61	-0.69	9.49	2.96	0.61	4.59	-0.02	0.32
Free Cash Flow per Basic Share	-0.32	-2.55	-0.7	1.84	-3.13	2.87	2.78	0.36	-0.86	8.93	2.54	0.36	4.44	-0.15	0.17
Cash & Equivalents per Share	27.19	19.71	20.24	13.87	14.04	23.65	25.86	23.44	23.59	58.06	62.11	34.84	58.57	56.54	19.56
Book Value per Share	1.93	2.22	2.74	2.83	3.51	5.02	4.63	5.43	7.21	9.94	12.83	13.14	13.74	14.43	16
Tangible Book Value per Share	8.74	7.15	8.81	9.48	9.86	13.4	11.95	13.59	15.49	19.24	22.84	21.44	22.57	23.72	26.14

MVB Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)