MVB FINANCIAL CORP

Overview

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• TickerMVBF on Nasdaq²
• IndustryState Commercial Banks²
• HeadquartersFairmont, United States²
• Incorporated inWV³
• Business address301 Virginia Avenue, Fairmont, Wv 26554-2777³
• Filer categoryAccelerated filer³
• Legal formCorporation²
• LEI549300KSUQ2FUU1X2O74²
• StatusActive²
• LEI statusIssued and current²
• Registered address301 Virginia Ave, 26554 Fairmont, United States²
• Registered withBusiness and Licensing (West Virginia Secretary of State), 216266²

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MVB Financial Corp. is a financial holding company organized in 2003 as a West Virginia corporation that operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (the “Bank”). The Bank’s consolidated subsidiaries include MVB Edge Ventures, Inc. (“Edge Ventures”), Paladin Fraud, LLC ("Paladin Fraud") and MVB Insurance, LLC. Edge Ventures wholly-owns MVB Technology, LLC and Victor Technologies, Inc. ("Victor"). The Bank also owns an equity method investment in Intercoastal Mortgage Company, LLC (“ICM”) and MVB Financial Corp. owns equity method investments in Warp Speed Holdings, LLC (“Warp Speed”) and Ayers Socure II, LLC (“Ayers Socure II”). MVB Financial Corp.'s consolidated subsidiaries also include SPE PR, LLC.⁵ From its latest annual report

Corporate structure

MVB FINANCIAL CORP sits at the top of its group. 9 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What MVB FINANCIAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Properties, in its own words

We lease our main office located at 301 Virginia Avenue in Fairmont, WV. Our subsidiaries lease various other offices in the counties and cities in which they operate. As of December 31, 2025, we operated seven full-service banking branches for our CoRe banking reportable segment in the locations further described in Item 1 – Business included elsewhere in this report, all of which are leased.

No one facility is material to us. We believe that the facilities are generally in good condition and suitable for the operations for which they are used.

Item 2 of the 10-K filed Mar 12, 2026.⁵

Leadership

Who has led MVB FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerLarry F. Mazza Feb 23, 2018 to now¹³
• PresidentDonald T. Robinson May 3, 2022 to now¹⁴
• PresidentLarry F. Mazza Feb 23, 2018 to May 3, 2022¹³
• Chief financial officerMichael Robert Sumbs Jul 24, 2025 to now¹⁵
• Chief financial officerDonald T. Robinson Feb 5, 2016 to Jul 24, 2025¹⁶
• Chief financial officerBret Price Nov 20, 2013 to Feb 13, 2015¹⁷
• Chief financial officerEric L. Tichenor Feb 7, 2006 to Feb 13, 2014¹⁸
• Chief operating officerMichael Louis Giorgio May 5, 2026 to now¹⁹
• Chief operating officerJohn Charles Marion May 3, 2022 to May 3, 2023²⁰
• Chief operating officerDonald T. Robinson Jan 3, 2014 to Feb 5, 2016²¹

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

• MVB Bank, Inc. West Virginia⁴
• MVB Edge Ventures, LLC West Virginia⁴
• MVB Insurance, LLC West Virginia⁴
• MVB Technology, LLC West Virginia⁴
• Paladin Fraud, LLC West Virginia⁴
• SPE PR, LLC Puerto Rico⁴
• Victor Technologies, LLC West Virginia⁴

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

1. Aug 19, 20268-K Regulation FD disclosure⁷¹
2. Jul 28, 20268-K Results of operations⁷²
3. Jul 28, 20268-K Regulation FD disclosure⁷³
4. May 20, 20268-K Shareholder vote; Regulation FD disclosure⁷⁴
5. Apr 29, 20268-K Results of operations⁷⁵
6. Apr 29, 20268-K Regulation FD disclosure⁷⁶
7. Apr 8, 20268-K Executive or director change⁷⁷
8. Apr 8, 20268-K Regulation FD disclosure⁷⁸
9. Apr 1, 20268-K Regulation FD disclosure⁷⁹
10. Mar 25, 20268-K Regulation FD disclosure⁸⁰
11. Mar 4, 20268-K Executive or director change⁸¹
12. Mar 3, 20268-K Other events⁸²
13. Feb 23, 2018New chief executive Larry F. Mazza becomes CEO¹³
14. May 29, 2003Founded MVB FINANCIAL CORP is founded²

Calendar

Coming up

1. Oct 29, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported ($0.24) a share, on Oct 29, 2025.⁸³

When it reported results

1. Jul 28, 2026Reported quarterly or annual results⁷²
2. Apr 29, 2026Reported quarterly or annual results⁷⁵
3. Feb 12, 2026Reported quarterly or annual results⁸⁴
4. Oct 29, 2025Reported quarterly or annual results⁸⁵
5. Jul 28, 2025Reported quarterly or annual results⁸⁶
6. Apr 30, 2025Reported quarterly or annual results⁸⁷
7. Feb 13, 2025Reported quarterly or annual results⁸⁸
8. Oct 30, 2024Reported quarterly or annual results⁸⁹

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

345 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 103 major events, 149 insider forms, 24 large holders, 1 private raises, 47 other. The latest 20:

1. Aug 19, 20268-K EDGAR
2. Aug 5, 202610-Q EDGAR
3. Jul 28, 20264 EDGAR
4. Jul 28, 20268-K EDGAR
5. Jul 28, 20268-K EDGAR
6. Jul 2, 20264 EDGAR
7. Jul 2, 20264 EDGAR
8. Jul 2, 20264 EDGAR
9. Jul 2, 20264 EDGAR
10. Jul 2, 20264 EDGAR
11. Jul 2, 20264 EDGAR
12. Jul 2, 20264 EDGAR
13. Jun 25, 20264 EDGAR
14. Jun 18, 202611-K EDGAR
15. Jun 15, 20264 EDGAR
16. Jun 8, 20264 EDGAR
17. Jun 3, 20264 EDGAR
18. Jun 3, 20264 EDGAR
19. Jun 3, 20264 EDGAR
20. Jun 3, 20264 EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

23 open-market trades by officers, directors and large owners since October 2021: 18 buys and 5 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• VANGUARD GROUP INCSCHEDULE 13G/A, 4 filings Jan 30, 2025 to Mar 27, 2026⁹⁰
• TimesSquare Capital Management, LLCSCHEDULE 13G/A, 5 filings Feb 11, 2022 to Jan 9, 2026⁹¹
• Wellington Management CompanySCHEDULE 13G/A, 5 filings Feb 6, 2023 to Aug 5, 2025⁹²
• Bay Pond Partners, L.P.SCHEDULE 13G, 5 filings Jun 23, 2023 to Jul 23, 2025⁹³
• BlackRockSC 13G/A, 4 filings Feb 4, 2022 to Jan 26, 2024⁹⁴
• EJF Capital LPSC 13G/A, 1 filing Feb 25, 2022⁹⁵

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Money raised

Private offerings the company reported to the SEC on Form D.

1. Sep 28, 2021Raised $30 million in a private offering of debt Form D: 20 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How MVB FINANCIAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARMVB FINANCIAL CORP¹
• CIK0001277902
• Employer ID (EIN)20-0034461⁵
• Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company⁵
• Incorporated inWest Virginia⁵
• Fiscal year endsDecember 31¹
• Industry code (SIC)6022 State Commercial Banks¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address301 Virginia Avenue, Fairmont, WV 26554-2777¹
• Phone3043634800¹
• Shares outstanding12,967,507 as of Aug 4, 2026¹¹
• Public float$262.3M as of Jun 30, 2025⁵
• AuditorForvis Mazars, LLP, New York, New York PCAOB ID 686; it also attests to the company’s internal control over financial reporting⁵
• On EDGAR sinceFeb 2, 2004¹
• Filings1,512 in all: 4 (564), 8-K (336), 5 (251), 10-Q (54), 3 (42), DEF 14A (25), 4/A (23), 10-K (19)¹
  All 49 form types

  10QSB (14), 8-K/A (14), SC 13G/A (14), UPLOAD (14), DEFA14A (12), CORRESP (11), SC 13G (11), EFFECT (9), 5/A (8), D (7), S-8 (7), SCHEDULE 13G/A (7), 425 (6), 11-K (5), PRE 14A (5), S-3 (5), 10QSB/A (4), 424B3 (4), ARS (4), 10KSB (3), SB-2/A (3), SC TO-I/A (3), SCHEDULE 13G (3), 10-K/A (2), 10-Q/A (2), 3/A (2), D/A (2), POS AM (2), S-3DPOS (2), SB-2 (2), 424B5 (1), 8-A12B (1), 8-K12G3 (1), CERT (1), DEFR14A (1), DEL AM (1), S-3/A (1), S-3D (1), S-4 (1), S-4/A (1), SC TO-I (1)

• Latest filingsAnnual report (10-K) Mar 12, 2026
  Quarterly report (10-Q) Aug 5, 2026
  Proxy statement (DEF 14A) Apr 7, 2026
  Latest 8-K (8-K) Aug 19, 2026

Securities registered for trading

From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).⁵

Risk factors and legal proceedings

The risks MVB FINANCIAL CORP names in Item 1A of its 10-K filed Mar 12, 2026: 35 risks under these headings, as written.⁵

• Risks Related to Economic and Market Conditions
• Disruption or volatility in general business or economic conditions in the markets in which we operate, including elevated levels of inflation and fluctuations in interest rates, could adversely impact our business, financial condition and results of operations.
• Financial challenges at other banking institutions could lead to depositor concerns that spread within the banking industry causing disruptive deposit outflows and other destabilizing results.
• Our business depends upon the general economic conditions and real estate markets of the State of West Virginia and the Commonwealth of Virginia, and may be adversely affected by downturns in these and the other local economies in which we operate.
• Severe weather (including climate change) and natural disasters could have significant effects on our business.
• Risks Related to Our Business
• Our non-residential real estate loans expose us to greater risks of non-payment and loss than residential mortgage loans, which may cause us to increase our allowance for credit losses, which would reduce net income.
• Our allowance for credit losses could become inadequate and reduce earnings and capital.
• The value of, and earnings from, our investments in ICM and Warp Speed may be significantly reduced if ICM and Warp Speed are not able to sell mortgages.
• Our largest source of revenue (net interest income) is subject to interest rate risk.
• Our gaming initiative has contributed significantly to our deposits and creates concentration risk in our deposit base.
• We may be adversely affected by the soundness of other financial institutions.

Legal proceedings

From time to time in the ordinary course of business, we and our subsidiaries may be subject to claims, asserted or unasserted, or named as a party to lawsuits or investigations. Litigation, in general, and intellectual property and securities litigation, in particular, can be expensive and disruptive to normal business operations. Moreover, the results of legal proceedings cannot be predicted with any certainty, especially in the case of more complex legal proceedings. We are not aware of any material pending legal proceedings to which we or any of our subsidiaries is a party or of which any of their property is the subject.

The opening of Item 3, Legal Proceedings.⁵