Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.06M | $2.28M | $2.24M | $3.40M | — | — | — | — | — | — |
| Revenue growth | — | 10.6% | -2.0% | 51.9% | — | — | — | — | — | — |
| Net income | $12.9M | $7.58M | $12.0M | $27.0M | $37.4M | $38.7M | $14.4M | $31.0M | $20.2M | $26.9M |
| Net margin | 625.6% | 331.8% | 536.3% | 793.9% | — | — | — | — | — | — |
| EPS (diluted) | $1.31 | $0.68 | $1.00 | $2.20 | $3.06 | $3.10 | $1.17 | $2.40 | $1.53 | $2.06 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $25.3M | $33.1M | $6.69M | -$8.06M | $112M | $34.8M | $7.35M | $58.2M | -$285K | $4.03M |
| Capital expenditures | $1.67M | $4.50M | $2.69M | $2.04M | $6.62M | $4.87M | $3.04M | $1.92M | $1.62M | $1.92M |
| Free cash flow | $23.6M | $28.6M | $4.00M | -$10.1M | $106M | $29.9M | $4.31M | $56.3M | -$1.91M | $2.11M |
| Share buybacks | — | — | $0.00 | $0.00 | $15.7M | $0.00 | $0.00 | $0.00 | $0.00 | $10.2M |
| Dividends paid | $646K | $1.03M | $1.22M | $2.29M | $4.28M | $6.04M | $8.36M | $8.64M | $8.77M | $8.71M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $17.3M | $20.3M | $22.2M | $28.0M | $264M | $307M | $40.3M | $398M | $318M | $244M |
| Total assets | $1.42B | $1.53B | $1.75B | $1.94B | $2.33B | $2.79B | $3.07B | $3.31B | $3.13B | $3.31B |
| Total liabilities | $1.27B | $1.38B | $1.57B | $1.73B | $2.09B | $2.52B | $2.81B | $3.02B | $2.82B | $2.97B |
| Long-term debt | $124M | $186M | $232M | $227M | — | — | — | — | — | — |
| Shareholders' equity | $146M | $150M | $177M | $212M | $239M | $274M | $261M | $289M | $306M | $334M |
| Retained earnings | $31.2M | $37.2M | $48.3M | $72.5M | $105M | $138M | $145M | $161M | $172M | $190M |
| Shares (wtd avg diluted) | 10.1M | 10.4M | 12.7M | 12.0M | 12.1M | 12.6M | 12.9M | 13.0M | 13.1M | 13.1M |
Every figure is extracted from MVB FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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