ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / MVBF / news
BCML (61) CBNA (58) COSO (73) JMSB (66) ⌘ Pro Terminal →

Why MVBF Stock surged +3.10% Today — RQD Quant Desk Flash

$26.26 +3.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.36

MVB Financial Corp. (MVBF) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $340.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MVBF Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MVBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, MVB Financial Corp. (NASDAQ: MVBF) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $26.26 (+3.10% 1D, market cap $340.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, MVBF ranks #798 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MVBF compare to BCML and CBNA in the Financials sector?
▼

Within the Financials sector (Major Banks), MVBF carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, BCML (BayCom Corp) holds a C- grade (61/100 RQD, P/E 14.1x, ROIC 7.1%, cap $342.0M) and CBNA (Chain Bridge Bancorp Inc. (Class A)) posts a D+ grade (58/100 RQD, P/E 16.7x, ROIC 12.0%, cap $338.0M). Among the 5-stock peer group, COSO leads on earnings multiple (13.2x) while CBNA leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MVBF?
▼

Per MVBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001277902), MVB Financial Corp. generated $1.39B in revenue (+5.8% YoY), $26.9K in net income, and $2.1M in free cash flow against $3.31B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $26.36 (+0.37%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510045
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D
Cash (12)Whales (4)SEC (13)Macro (7)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-5.9% Base Target
$34 Bull$25 Base$19 Bear
📬 FREE MVBF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MVBF)Realized 20D OHLCV Swing Band: ±7.8%
Deterministic 5-Pillar Attribution (45/100 Composite)
🔍 WHY MVBF SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 0.2% FCF Margin ($2.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$28.86+0.9% Next Q
Q2 (-2Q)
50
Grade C-$29.12+1.8% Next Q
Q3 (-1Q)
48
Grade D$29.64-11.4% Next Q
Current
45
Grade D$26.26-6.3% Hist 90D α
Trajectory: C- (53) → D (45)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MVBF Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MVBF currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($29.78) and Max Pain ($27.57) forces dealer call-delta covering toward $33.59.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MVBF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MVBF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 45%NO 55%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why MVBF Stock surged +3.10% Today — RQD Quant Desk Flash

MVB Financial Corp. (MVBF) surged +3.10% to $26.26, trading at 28% of its 52-week range ($23.99 – $31.99). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 28% of its 52-week range ($23.99 – $31.99) with RSI-14 at 40.1 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±7.8% around $26.26 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $2.1M annual free cash flow.
Live MVBF Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MVBF)

  • ✓Walkthrough of MVBF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
MVBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.00%📐 HORIZONTAL RANGE
2026-11-04O $25.47H $26.26L $25.47C $26.26VOL 100.8K
RES: $31.72SUP: $25.02SMA50: $29.78SMA200: $28.09
$32.52$30.31$28.10$25.89$23.67RES $31.72SUP $25.02$26.262026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MVBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MVBF Butterfly Map → + Track MVBF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +5.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MVBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MVBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MVBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MVBF)

Financials Rank #798 of 1097 ⚔️ BCML vs MVBF Full Matrix →

1. Head-to-Head Financials Peer Comparison (MVBF vs. BCML, CBNA, COSO, JMSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, MVB Financial Corp. (MVBF) ranks #798 by composite RQD confidence (45/100, grade D) and #787 by equity capitalization ($340.5M). Within this direct 5-issuer industry benchmark cohort, COSO leads on earnings valuation at 13.2x trailing P/E, while CBNA leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with MVBF at 45/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MVBF ACTIVE
MVB Financial Corp.
D 45/100 — — 0.0% +3.10% $340.5M Benchmark Subject
BCML
BayCom Corp
C- 61/100 14.1x — 7.1% +1.79% $342.0M /bcml-vs-mvbf →
CBNA
Chain Bridge Bancorp Inc. (Class A)
D+ 58/100 16.7x — 12.0% +1.82% $338.0M /cbna-vs-mvbf →
COSO
CoastalSouth Bancshares Inc.
B 73/100 13.2x — 9.6% +1.29% $331.4M /coso-vs-mvbf →
JMSB
John Marshall Bancorp Inc.
C+ 66/100 15.4x — 8.0% +1.35% $328.1M /jmsb-vs-mvbf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001277902 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MVB Financial Corp. (MVBF) reported GAAP revenue of $1.39B (+5.8% vs. FY2024 revenue of $1.31B , and +528.0% cumulative change since FY2023) , GAAP net income of $26.9K, operating cash flow of $4.0M, and free cash flow of $2.1M (+210.9% YoY). On the balance sheet, MVBF closed FY2025 with $3.31B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.39B $26.9K $4.0M $2.1M $3.31B —
FY2024 (FY) 2024-12-31 $1.31B $20.2K -$285.0K -$1.9M $3.13B —
FY2023 (FY) 2023-12-31 $221.3M $31.0K $58.2M $58.2M — —

3. MVBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MVBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, MVB Financial Corp. (NASDAQ: MVBF) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $26.26 (+3.10% 1D, market cap $340.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, MVBF ranks #798 in composite RQD confidence.

How does MVBF compare to BCML and CBNA in the Financials sector?

Within the Financials sector (Major Banks), MVBF carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, BCML (BayCom Corp) holds a C- grade (61/100 RQD, P/E 14.1x, ROIC 7.1%, cap $342.0M) and CBNA (Chain Bridge Bancorp Inc. (Class A)) posts a D+ grade (58/100 RQD, P/E 16.7x, ROIC 12.0%, cap $338.0M). Among the 5-stock peer group, COSO leads on earnings multiple (13.2x) while CBNA leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MVBF?

Per MVBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001277902), MVB Financial Corp. generated $1.39B in revenue (+5.8% YoY), $26.9K in net income, and $2.1M in free cash flow against $3.31B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MVBF trading relative to its 50-day, 200-day, and 52-week technical levels?

MVBF last traded at $26.26 (+3.10% on volume of 100,820 shares), positioning the stock -11.82% below its 50-day simple moving average ($29.78) and -6.51% below its 200-day simple moving average ($28.09). Across its 52-week range of $23.99 to $31.99, MVBF sits at the 28.4% percentile with a 14-day RSI of 40.1 (NEUTRAL RANGE) and an implied next-earnings move of ±7.8% ($24.21 to $28.31).

Direct Sub-Reports: MVBF RQD Cockpit MVBF 12M Forecast MVBF Earnings & Move MVBF Dividends & DRIP MVBF Insiders & 13F MVBF Whale Options MVBF Profit Sankey MVBF News & Why
ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ SEC XBRL & RQD VERIFIED

MVBF — MVB Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

MVB Financial Corp. (MVBF) earns a live Roarable RQD composite score of 45/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $26.26 (+3.10% 1D, market capitalization $340.5M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 0.0%, gross margin of —, operating margin of —, and free cash flow yield of 0.55%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

MVB Financial Corp. (MVBF) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry,. The profile describes the company as having a market capitalization of $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), MVB Financial Corp. (MVBF) reported $1.39B in annual revenue (up from $1.31B in FY2024, +5.8% YoY) and $26.9K in GAAP net income. Over the multi-year SEC filing window from FY2023 ($221.3M revenue, $31.0K net income) through FY2025, MVBF scaled operating cash flow to $4.0M and free cash flow to $2.1M, backed by $3.31B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 45/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 0.55% and institutional whale pillar of 4/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $23.99 – $31.99 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The supply chain is NONE, and the butterfly links and proprietary signals arrays are empty. The practical implication is that the news-driven credit-provision theme in the recent headlines cannot be traced through a mapped supply chain in this dataset, so investors would need to evaluate its ripple effects using sources outside this brief.

  • Key Question #1: Can MVBF sustain or expand its — operating margin and 0.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.39B and free cash flow of $2.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MVBF's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MVBF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for MVB Financial Corp. (MVBF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MVBF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MVBF Bull vs. Bear Conversation Board — What's Your Call at $26.26?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MVBF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MVBF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $33.11 (+30.0%)
📌 Pinned Debate

Balance-sheet pillar scores 13/20 with Piotroski F 5/9, Altman Z 2.5, and Debt/Equity 0.5 per the RQD rating.

Here is why I am bullish on MVBF here at $25.47: Balance-sheet pillar scores 13/20 with Piotroski F 5/9, Altman Z 2.5, and Debt/Equity 0.5 per the RQD rating.. Compare MVBF's 0.0% operating margin and 0.0% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $24.20 are getting bought.

CapAlloc_Nerd 🐂 BULL

@RedlineAuditor Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $19.87 (-22.0%)
Spot @ $25.47

ROIC is 0% and FCF yield is 0.55% per market data, with the RQD rating assigning a Sell verdict.

Sitting on the sidelines or leaning short MVBF above $25.47. ROIC is 0% and FCF yield is 0.55% per market data, with the RQD rating assigning a Sell verdict.. Until Fundamental Cash Engine (12/20) and FCF yield (0.55%) inflect higher, upside is capped near $31.99.

LIVE TAPE