엠브이비파이낸셜(MVBF) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

MVBF

MVB Financial Corp

7월 27일 4:00 PM ET (한국 7/28 05:00)

$29.14

+0.04 ▲ +0.14%

엠브이비파이낸셜(MVBF) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$374M

스몰캡

P/E

13.3

저평가 구간

배당수익률

2.33%

52주 위치

87%

저점 +32% · 고점 -4%

애널리스트

매수

Fundamental health

vs. 가치주 소형주

수익성

Top 61%

성장

Top 55%

밸류에이션

Top 56%

재무 안정

Top 84%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 13원. Over the past 5년, it usually traded around 13원. On the pricier side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	13.33	EPS (ttm) ⓘ	2.19	Insider Own ⓘ	10.22%	Shs Outstand ⓘ	12.8M	Perf Week ⓘ	-0.78%
Market Cap ⓘ	0.37B	Forward P/E ⓘ	11.8	EPS next Y ⓘ	52.11%	Insider Trans ⓘ	-	Shs Float ⓘ	11.5M	Perf Month ⓘ	2.03%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	0.34	Inst Own ⓘ	54.95%	Short Float ⓘ	2.59%	Perf Quarter ⓘ	12.08%
Income ⓘ	0.03B	P/S ⓘ	1.97	EPS this Y ⓘ	-21.17%	Inst Trans ⓘ	0.99%	Short Ratio ⓘ	6.11	Perf Half Y ⓘ	3.52%
Sales ⓘ	0.19B	P/B ⓘ	1.12	EPS next 5Y ⓘ	-	ROA ⓘ	0.9%	Short Interest ⓘ	0.30M	Perf YTD ⓘ	12.81%
Book/sh ⓘ	26.07	P/C ⓘ	-	EPS past 3/5Y ⓘ	20.7% -7.63%	ROE ⓘ	8.85%	52W High ⓘ	-3.61% ($30.23)	Perf Year ⓘ	23.37%
Cash/sh ⓘ	-	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	8.42% 8.17%	ROIC ⓘ	7.34%	52W Low ⓘ	31.61% ($22.14)	Perf 3Y ⓘ	12.38%
Dividend Est. ⓘ	$0.68 (2.33%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	51.8%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	3.56% 3.41%	Perf 5Y ⓘ	-29.75%
Dividend TTM ⓘ	0.68	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	-7.02%	Oper. Margin ⓘ	-2.58%	ATR (14) ⓘ	0.92	Perf 10Y ⓘ	125.02%
Dividend Ex-Date ⓘ	2026/6/1	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	44.8%	Profit Margin ⓘ	14.98%	RSI (14) ⓘ	55.42	Recom ⓘ	1.67
Dividend Gr. 3/5Y ⓘ	- 13.56%	Current Ratio ⓘ	0.09	Sales Q/Q ⓘ	1.52%	SMA20 ⓘ	0.43% ($29.02)	Beta ⓘ	0.79	Target Price ⓘ	$32
Payout ⓘ	33.08%	Debt/Eq ⓘ	0.17	Earnings ⓘ	2026/7/28	SMA50 ⓘ	4.73% ($27.82)	Rel Volume ⓘ	0.5	Prev Close ⓘ	$29.1
Employees ⓘ	403	LT Debt/Eq ⓘ	0.16	EPS/Sales Surpr. ⓘ	6.85% -2.81%	SMA200 ⓘ	8.5% ($26.86)	Avg Volume(3M) ⓘ	0.05M	Price ⓘ	$29.14
IPO ⓘ	2003/11/11	Option/Short ⓘ	Yes/Yes			Trades ⓘ	536	Volume ⓘ	24,512	Change ⓘ	0.14%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12

25.3

25.6

25.9

25.12

26.3

Revenue Net income 최근 분기: 매출 $45M (YoY +4%) · 순이익 $5M (YoY +45%)

📊 MVB Financial Corp (MVBF) Investment Analysis

What kind of company is MVB Financial Corp?

엠브이비파이낸셜(MVBF) 가치주

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

🏦 A U.S. regional bank holding company that differentiates itself through fintech-friendly banking services. The company operates core banking (including fintech-related business) and mortgage banking, and has carved out a niche position as a small-cap financial stock in the Banking-as-a-Service (BaaS) space, providing deposits, payments, and banking infrastructure to fintech companies.

Learn more about MVB Financial Corp →

Market Cap

$0.4B

Approx. KRW 0.5 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3467

Employees403people

IPO2003/11/11

Current Price$29.14 ≈ 39,922원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release 오늘

7월 28일 (화) · 장 마감 후

예상 매출 - · EPS $0.34

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🎯 Ex-div 2026년 6월 1일 (월) 주당 $0.17

🔔 Earnings release 2026년 4월 29일 (수) · 장 마감 후 EPS +6.8% 매출 -2.8%

🎯 Ex-div 2026년 2월 27일 (금)

🔔 Earnings release 2026년 2월 12일 (목) · 장 마감 후

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

-2.6%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Net Margin

Share of revenue left after taxes and interest are paid

15.0%

✓ 부진

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 Median 19.7% · Bottom 24%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

8.8%

✓ 평균

My positionMid-range

Low range Average High range

Financial 소형주 Median 9.9% · Bottom 45%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.9%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 소형주 Median 1.5% · Bottom 24%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

7.3%

✓ 양호

My positionMid-range

Low range Average High range

Financial 소형주 Median 5.3% · Top 38%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.17

✓ Very low debt

My positionTop 25%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.09

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$32.00

현재가 대비 +9.8%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

11.80배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+52.1%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+2.2%

평균 서프라이즈

2026.04.29

상회

실적 $0.39 · 예상 $0.37 +6.4%

2026.02.12

하회

실적 $0.31 · 예상 $0.32 -2.0%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth

Mid-range within the industry

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

-21.2%

부진

My positionBottom 25%

Low range Average High range

가치주 소형주 Median 4.4% · Bottom 20%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+52.1%

우수

My positionTop 5%

Low range Average High range

가치주 소형주 Median 8.6% · Top tier

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+20.7%

우수

My positionTop 25%

Low range Average High range

가치주 소형주 Median 7.7% · Top 25%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

-7.6%

매우 부진

My positionBottom 5%

Low range Average High range

가치주 소형주 Median 10.6% · Bottom tier

Past 5-Year Revenue

How much revenue grew over the past 5 years

+8.2%

평균

My positionMid-range

Low range Average High range

가치주 소형주 Median 12.0% · Bottom 38%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+1.5%

평균

My positionMid-range

Low range Average High range

가치주 소형주 Median 4.2% · Bottom 39%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -98%p below the market

MVBF -29.8% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-98.1%p

Significantly behind the market

1-year basis

vs S&P 500

+7.4%p

slightly ahead of the market

Rank among peers

5-year return Lowest among peers Based on 130 peers

1-year return Lower-Mid (lower 32%) Based on 134 peers

Current position within 52-week range

Low (-31.6%p) High (-3.6%p)

Current price is 31.6% above the 52-week low and 3.6% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-15.7%

Annualized volatility

26.6%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $29.14 above the midline ($29.02). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-27

Neutral zone — weak trend

MACD 0.323 · Signal 0.401 · Hist -0.079. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 55.5 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 58.6.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average

Cheap on Vs. Assets·Vs. Sales, Pricey on Vs. Earnings

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

13.33x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 소형주 median 12.66x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

11.80x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 median 10.26x · Bottom 21% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.12x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 소형주 median 1.30x · Top 20% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.97x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Regional 소형주 median 2.49x · Top 17% — relatively cheap within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

Analyst target price (reference)

$32.00 vs. current price +9.8%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 소형주

Who owns it?

Ownership flow is positive

Institutional modest net buying +1.0% · Short interest light 2.6% · Short interest up +0.6pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

+1.0%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 55.0%

Adequate institutional weight

Financial 소형주 Median 42.5%

🧑‍💼 Insiders 10.2%

Founder/management large holders (strong skin-in-the-game)

Financial 소형주 Median 14.2%

👤 Retail investors (estimated) 34.8%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

2.6%

Low — limited short-side pressure

Financial 소형주 Median 0.8%

Past 90 days 📈 +0.6%p increase

Short interest days to cover

6.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 12.8M주

Float (tradable shares) 11.5M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding MVBF

ETFs with the highest weightings · 10 total shown

ROSC

Hartford Multifactor Small Cap ETF

0.23%

$61M

QABA

First Trust NASDAQ ABA Community Bank Index Fund

0.15%

$92M

AIMS

Acuitas Small Cap Active ETF

0.09%

$87M

IWC

iShares Micro-Cap ETF

0.06%

$1.4B

BSVO

EA Bridgeway Omni Small-Cap Value ETF

0.05%

$2.4B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당 지급 — 연 2.33%

배당보다 주가 성장에 가까운 비중

Dividend Yield

2.33%

Industry average 2.62%

Dividend Per Share

$0.68

Annualized

Payout Ratio

33%

Share of net income paid as dividends

5-Year Growth

13.6%

Annualized dividend growth

📅 지급월 2월 · 8월 · 12월

📊 총 이력 2012~2026 (49건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.08 +0.0%

2016

$0.10 +25.0%

2017

$0.11 +10.0%

2018

$0.20 +77.3%

2019

$0.36 +84.6%

2020

$0.51 +41.7%

2021

$0.68 +33.3%

2022

$0.68 +0.0%

2023

$0.68 +0.0%

2024

$0.68 +0.0%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 49건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-02-27

$0.170

—

3.15%

2025-12-01

$0.170

—

2.51%

2025-08-29

$0.170

—

3.48%

2025-05-30

$0.170

—

4.35%

2025-02-28

$0.170

—

4.60%

2024-11-29

$0.170

—

3.94%

2024-08-30

$0.170

—

4.05%

2024-05-31

$0.170

—

3.63%

2024-02-29

$0.170

—

3.18%

2023-11-30

$0.170

—

4.25%

2023-08-31

$0.170

—

3.61%

2023-05-31

$0.170

—

4.79%

2023-02-28

$0.170

—

3.11%

2022-11-30

$0.170

—

3.48%

2022-08-31

$0.170

—

2.50%

2022-05-31

$0.170

—

1.69%

2022-02-28

$0.170

—

1.51%

2021-11-30

$0.150

—

1.46%

2021-08-31

$0.140

—

1.37%

2021-05-28

$0.120

—

1.14%

2021-02-26

$0.100

—

1.41%

2020-11-30

$0.090

—

1.79%

2020-08-31

$0.090

—

2.39%

2020-05-29

$0.090

—

2.39%

2020-02-27

$0.090

—

1.58%

2019-11-27

$0.070

—

1.06%

2019-08-29

$0.050

—

0.98%

2019-05-30

$0.040

—

0.99%

2019-02-28

$0.035

—

0.95%

2018-11-29

$0.030

—

0.75%

2018-08-30

$0.030

—

0.72%

2018-05-31

$0.025

—

0.55%

2018-03-01

$0.025

—

0.52%

2017-11-30

$0.025

—

0.53%

2017-08-30

$0.025

—

0.75%

2017-05-30

$0.025

—

0.70%

2017-02-27

$0.025

—

0.61%

2016-11-29

$0.020

—

0.67%

2016-08-30

$0.020

—

0.61%

2016-05-27

$0.020

—

0.94%

2016-02-26

$0.020

—

0.89%

2015-11-27

$0.020

—

0.84%

2015-08-28

$0.020

—

0.65%

2015-05-28

$0.040

—

0.83%

2014-12-12

$0.040

—

0.84%

2014-05-28

$0.040

—

0.72%

2013-12-12

$0.040

—

0.45%

2013-05-29

$0.035

—

0.52%

2012-11-28

$0.035

—

0.29%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 2.0만원

5년 누적 (세후) 13.0만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 13.56% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
MVBF This Stock	$374.4M	13.3	1.1 ▲	8.85% ▼	2.33% ▼	+0.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 엠브이비파이낸셜(MVBF)?

엠브이비파이낸셜(MVBF) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of MVBF?

The market cap of MVBF is approximately $374M, ranking 3,467 within its sector.

Does MVBF pay dividends?

MVBF has a dividend yield of approximately 2.33%, with an annual dividend of $0.68.

What is the P/E ratio of MVBF?

MVBF has a P/E ratio of approximately 13.3x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for MVBF?

MVBF has recorded a 52-week high of $30.23 and a low of $22.14.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.