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Sep 30, 2025
Mvb Financial Q3 2025 Earnings Report
MVB Financial reported strong third quarter 2025 results, driven by the sale of Victor Technologies and strategic repositioning of its securities portfolio.
Key Takeaways
MVB Financial Corp. announced a transformative third quarter in 2025, achieving a net income of $17.1 million and diluted EPS of $1.32. Key drivers included a significant pre-tax gain of $34.1 million from the sale of Victor Technologies and a strategic securities repositioning, which, combined with expense efficiencies, is expected to boost annualized EPS by $0.30 to $0.35. The company also saw robust loan growth of 4.9% and enhanced capital strength, with tangible book value per share increasing by 9.7%.
Net income reached $17.1 million, with diluted EPS of $1.32, significantly up from the previous quarter.
The sale of Victor Technologies generated a pre-tax gain of $34.1 million, validating MVB's Fintech incubator model.
A strategic securities repositioning and expense efficiencies are projected to add $0.30 to $0.35 to annualized EPS.
Loan growth was strong at 4.9%, and tangible book value per share increased by 9.7% to $25.98.
Revenue by Segment
Forward Guidance
MVB Financial expects continued positive impact from its strategic actions, with the securities repositioning and Victor sale expense efficiencies projected to add $0.30 to $0.35 to annualized EPS. The company anticipates sustained loan demand and improved market conditions to support future growth.
Positive Outlook
- Expected $0.30 to $0.35 addition to annualized EPS from securities repositioning and Victor sale expense efficiencies.
- Solid loan pipeline entering the fourth quarter, indicating continued loan growth.
- Strengthened balance sheet through bolstering allowance for credit losses.
- Continued improvement in capital position.
- Unwavering commitment to shareholder value creation, evidenced by growth in tangible book value.
Challenges Ahead
- Decline in certain Banking-as-a-Service deposit relationships impacting off-balance sheet deposits.
- Lower net interest margin due to a decline in earning asset yields and lower loan yields.
- Increase in nonperforming loans due to one commercial and industrial credit.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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