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MVB Financial (MVB Financial) Intrinsic Value: Projected FCF : $48.54 (As of Apr. 27, 2024)


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What is MVB Financial Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-04-27), MVB Financial's Intrinsic Value: Projected FCF is $48.54. The stock price of MVB Financial is $19.64. Therefore, MVB Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.

The historical rank and industry rank for MVB Financial's Intrinsic Value: Projected FCF or its related term are showing as below:

MVBF' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.4   Med: 1.37   Max: 4.47
Current: 0.4

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of MVB Financial was 4.47. The lowest was 0.40. And the median was 1.37.

MVBF's Price-to-Projected-FCF is ranked better than
56.39% of 1213 companies
in the Banks industry
Industry Median: 0.44 vs MVBF: 0.40

MVB Financial Intrinsic Value: Projected FCF Historical Data

The historical data trend for MVB Financial's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

MVB Financial Intrinsic Value: Projected FCF Chart

MVB Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.87 32.11 37.75 45.92 48.54

MVB Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 45.92 40.87 44.12 50.43 48.54

Competitive Comparison of MVB Financial's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, MVB Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MVB Financial's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, MVB Financial's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where MVB Financial's Price-to-Projected-FCF falls into.



MVB Financial Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get MVB Financial's Free Cash Flow(6 year avg) = $31.71.

MVB Financial's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec23)*0.8)/Shares Outstanding (Diluted Average)
=(12.522615765129*31.70912+289.384*0.8)/12.951
=48.54

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


MVB Financial  (NAS:MVBF) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

MVB Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=19.64/48.5358911289
=0.40

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


MVB Financial Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of MVB Financial's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


MVB Financial (MVB Financial) Business Description

Industry
Traded in Other Exchanges
Address
301 Virginia Avenue, Fairmont, WV, USA, 26554
MVB Financial Corp is a bank holding company. The company provides community banking, mortgage banking, insurance and wealth management services to individuals and corporate clients in the Mid-Atlantic region. The Bank offers its customers various products, such as checking accounts, negotiable order of withdrawal (NOW) accounts, money market and savings accounts, time certificates of deposit, commercial, installment, commercial real estate and residential real estate mortgage loans, debit cards, and safe deposit rental facilities. MVB has five reportable segments: CoRe banking; mortgage banking; professional services; Edge Ventures and the financial holding company. It generates a majority of its revenues from its CoRe banking segment.
Executives
Michael Louis Giorgio officer: Chief Information Officer 240 E SHORE RD, APT 244, GREAT NECK NY 11023
W Marston Becker director C/O ALTERRA HOUSE, 2 FRONT STREET, HAMILTON D0 HM11
Jan Lynn Owen director 3050 BASTONE COURT, WEST SACRAMENTO CA 95691
Donald T Robinson officer: Executive VP & COO 2400 CRANBERRY SQUARE, 2ND FLOOR, MORGANTOWN WV 26508
Lindsay Anne Slader director 2709 WILLIAM ST., VANCOUVER A1 V5K 2Y7
J Christopher Pallotta director
Anna Jane Sainsbury director 2954 MARINE DR., WEST VANCOUVER A1 V7V 1M2
Kelly R Nelson director 301 VIRGINIA AVENUE, FAIRMONT WV 26554-2777
Cheryl Spielman director 5662 VINTAGE OAKS CIRCLE, DELRAY BEACH FL 33484
John Charles Marion officer: Chief Risk Officer 303 BELMONT COURT, MULLICA HILL NJ 08062
Craig Bradley Greathouse officer: Chief People & Culture Officer 3000 SWISS PINE WAY, SUITE 100, MORGANTOWN WV 26501
Cava James J Jr director 301 VIRGINIA AVE, FAIRMONT WV 26554
Dean Harry E Iii director 12120 SUNSET HILLS RD, SUITE 650, RESTON VA 26508
Daniel W Holt director 1115 TOWN CENTER DR., FORT COLLINS CO 80524
David Alan Jones officer: EVP/ Chief Credit & Risk Ofcr 301 VIRGINIA AVE, FAIRMONT WV 26554