What is Mvb Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Mvb Financial Corp's reported free cash flow gives $29.18 per share. The share price was $30.12 on September 25, 2026, 3% above that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $27.09 | -10% |
| Base | 15.0% | 9.0% | $29.18 | -3% |
| Bull | 20.0% | 8.0% | $33.07 | +10% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $30.76 | $31.26 | $31.86 | $32.61 | $33.58 |
| 8.0% | $29.57 | $29.89 | $30.27 | $30.72 | $31.28 |
| 9.0% | $28.71 | $28.93 | $29.18 | $29.47 | $29.82 |
| 10.0% | $28.05 | $28.21 | $28.38 | $28.59 | $28.82 |
| 11.0% | $27.54 | $27.65 | $27.78 | $27.92 | $28.09 |
Where the presets come from
Base: years 1 to 5 grow at Mvb Financial Corp's revenue growth rate over the last 3 fiscal years (18.1% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions