MVBF

FAIRMONT, W.Va., August 19, 2026--(BUSINESS WIRE)--MVB Financial Corp. (NASDAQ: MVBF) ("MVB" or the "Company") today announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share, consistent with the previous quarter’s dividend. The dividend is payable on September 15, 2026, for shareholders of record as of September 1, 2026. This is the third quarterly dividend for 2026. "MVB’s strong second quarter results reflected continued progress and momentum across both our core banking franchise and our Fintech banking platform. Loan and deposit growth remained solid, net interest income improved, and we saw encouraging momentum across our payments business, contributing to both fee income growth and deposit generation during the quarter. These results demonstrate our diversified business model’s strength and our team’s disciplined execution of our strategy," said Larry F. Mazza, Chief Executive Officer, MVB Financial. About MVB Financial Corp. MVB Financial Corp. (Nasdaq: MVBF) is an innovative bank powering Fintech solutions in payments, card issuance and online gaming programs for leading Fintech companies nationwide, while providing traditional retail and commercial banking services within established markets. MVB’s comprehensive platform includes money movement solutions across all modalities and embedded finance capabilities. MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements while accelerating time-to-market. For more information about MVB, please visit https://ir.mvbbanking.com. Forward-Looking Statements MVB Financial has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this press release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and are subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as "may," "could," "should," "would," "will," "plans," "believes," "estimates," "expects," "anticipates," "intends," "continues" or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity and credit risk; changes in market interest rates; inability to successfully execute business plans, including strategies related to investments in Fintech companies; competition; unforeseen events, such as pandemics or natural disasters, and any governmental or societal responses thereto; changes in economic, business and political conditions, including, without limitation, the imposition of international trade policies and any retaliatory responses thereto; changes in demand for loan products and deposit flow; changes in deposit classifications; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as well as its other filings with the Securities and Exchange Commission ("SEC"), which are available on the SEC’s website at www.sec.gov. Except as required by law, the Company disclaims any obligation to update, revise or correct any forward-looking statements. View source version on businesswire.com: https://www.businesswire.com/news/home/20260819256294/en/ Contacts MEDIA CONTACT Amy BakerVP, Corporate Communications and MarketingMVB [email protected] (304) 288-9540 INVESTOR RELATIONSMarcie [email protected] (844) 682-2265

This article first appeared on GuruFocus. Net Income: $12.3 million, or $0.93 per diluted share. Net Interest Income: Increased to $32.3 million, a 13% increase from the prior quarter. Net Interest Margin: Expanded 43 basis points to 4.16% from 3.73% in the prior quarter. Loan Growth: Increased 3% from the prior quarter, or 12% annualized. Deposit Growth: Increased 7.4%, with 5.7% growth in non-interest-bearing deposits. Non-Interest Income: Increased to $18.8 million, including a $10 million pre-tax gain on a fintech investment. Payment Card and Service Charge Income: Increased 18% from the first quarter and 29% from the second quarter of 2025. Non-Performing Loans: Decreased by $5.5 million to $29.2 million. Provision Expense: Increased to $4.7 million. Tangible Book Value Per Share: Increased to $26.52. Tangible Common Equity Ratio: Remained steady at 9.7%. Warning! GuruFocus has detected 8 Warning Signs with MVBF. Is MVBF fairly valued? Test your thesis with our free DCF calculator. Release Date: July 28, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. MVB Financial Corp (NASDAQ:MVBF) reported strong second-quarter results with net income of $12.3 million, or $0.93 per diluted share, showing significant growth from both the first quarter of 2026 and the second quarter of the previous year. The company achieved a 12% annualized loan growth, marking the fifth consecutive quarter of net loan growth, driven by momentum across specialty lending businesses. Net interest margin expanded by 43 basis points sequentially, contributing to continued growth in net interest income. The fintech business showed encouraging momentum with the successful launch of three new fintech partners and products, contributing to long-term growth in payments-related deposits and fee income. MVB Financial Corp (NASDAQ:MVBF) maintained a strong liquidity position with a loan-to-deposit ratio of just under 80% and non-interest-bearing deposits representing 34.4% of total deposit balances. The higher provision expense of $4.7 million was driven by specific reserves on a small number of credits and updates to allowance models due to economic conditions. Non-performing loans decreased, but the migration into non-performing status included smaller credits within commercial and SBA portfolios. Expenses increased by over $2 million from the first quarter, driven by annual salary adjustments, higher incentive compensation, and investments in fintech client onboarding and technology. The company expects a slower pace of net interest margin expansion over the remainder of 2026. The fintech business, while showing growth, is still in the maturation process, with only about 25% of expected contributions realized from new fintech clients. Q: You mentioned expecting the pace of loan growth in the back half of the year to be similar. Does that mean low double digits, and how much might come from specialty lines of business? A: We expect loan growth to continue at a similar pace to the first and second quarters, around $60 million to $70 million per quarter. The specialty line of business has a strong pipeline, and we could see a significant portion of growth from this vertical as soon as the third quarter. - Michael Sumbs, CFO Q: Regarding the build-out of tech and AI, what impact will this have on expenses, and how do you see AI improving operational tasks? A: AI is revolutionizing our efficiency, particularly in risk and compliance. We have 31 AI models, or "digies," in use or development. The heavy expenses related to AI are already accounted for, and we expect future upside in operating leverage and cost management. - Larry Mazza, CEO and Michael Sumbs, CFO Q: Can you provide more details on the fintech launches and their expected revenue contributions? A: We've launched 10 fintech partners since Q2 2025, generating $2 million in revenue and $158 million in low-cost deposits. Currently, we're at about 25% of their expected contribution. We plan to onboard 20 new fintech clients in 2026, with significant growth in deposits and fee income expected. - Larry Mazza, CEO Q: How are you thinking about capital deployment following recent gains from fintech investments? A: We are focused on organic growth of the balance sheet and will continue to be opportunistic with share repurchases. The priority is to grow the platform and invest in high-return business lines. - Michael Sumbs, CFO Q: Can you explain the higher provision driven by isolated portfolios? A: About $3.3 million of the provision was related to specific reserves, primarily in our legacy SBA portfolio and a few smaller commercial loans. These were isolated and idiosyncratic issues, with some adjustments made for economic conditions. - Michael Sumbs, CFO For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Company to Host a Conference Call and Webcast at 5:00 PM ET FAIRMONT, W.Va., July 28, 2026--(BUSINESS WIRE)--MVB Financial Corp. (NASDAQ: MVBF) ("MVB Financial," "MVB" or the "Company"), the holding company for MVB Bank, Inc. ("MVB Bank"), today announced financial results for the second quarter of 2026. The Fintech-enabled bank powering payments, banking-as-a-service and gaming programs for leading Fintech companies nationwide, reported net income of $12.3 million, or $0.95 basic and $0.93 diluted earnings per share, for the second quarter of 2026. Second Quarter 2026 Highlights (Compared to First Quarter 2026) Net income of $12.3 million, up significantly compared to both Q1 2026 and Q2 2025. Loan balances up 3.0%, or 12.1% annualized, marking the fifth consecutive quarter of loan growth. Balance sheet deposits up 7.4%, or 29.5% annualized, including 5.7% growth in noninterest-bearing deposits driven by payments-related deposits. Exclusive of the previously disclosed $10.0 million pre-tax gain related to an existing Fintech investment recognized in the second quarter, noninterest income up 6.7%, led by 18.1% growth in payment card and service charge income. Net interest margin on a fully tax-equivalent ("FTE") basis, a non-U.S. GAAP financial measure1, expanded 43 basis points; Core FTE net interest margin, a non-U.S. GAAP financial measure1, up 14 basis points to 3.87%. From Larry F. Mazza, President and Chief Executive Officer, MVB Financial: "The strong second quarter results reflected continued progress and momentum across both our core banking franchise and our Fintech banking platform. Loan and deposit growth remained solid, net interest income improved and we saw encouraging momentum across our payments business, contributing to both fee income growth and deposit generation during the quarter. These results demonstrate our diversified business model’s strength and our team’s disciplined execution of our strategy. "We also successfully resolved our largest nonperforming loan during the quarter through full repayment, improving our credit profile, while benefiting from an improvement in second quarter net interest income. Additionally, the underlying trends across our core banking franchise remained positive as we continued to grow loans, expand our deposit base, strengthen our funding and margin profile and build our Fintech partnership pipeline. "As previously disclosed, we also recognized a gain during the quarter related to an existing Fintech investment. Together with the successful monetization of our internally incubated Victor platform last year, these transactions demonstrate our ability to both incubate and invest in innovative Fintech businesses. These activities continue to generate shareholder value, while enabling ongoing investment across the business, balance sheet optimization and the long-term growth of the Company’s earnings power." SECOND QUARTER 2026 HIGHLIGHTS Net Interest Income, Net Interest Margin and Balance Sheet Trends Noninterest Income and Expense Asset Quality and Capital Conference Call and Webcast The Company will host a conference call and webcast at 5:00 p.m. Eastern Time today, July 28, 2026, to discuss its quarterly financial results. The call can be accessed via telephone at 877-451-6152 (domestic) or 201-389-0879 (international). A recorded replay can be accessed through August 11, 2026, by dialing 844-512-2921 (domestic) or 412-317-6671 (international); access code: 13760259. Additionally, interested parties can listen to a live webcast of the call on the Company's website at ir.mvbbanking.com. An archived version of the webcast will be available in the same location shortly after the live call has ended. About MVB Financial Corp. MVB Financial Corp. (Nasdaq: MVBF) is an innovative bank powering Fintech solutions in payments, card issuance and online gaming programs for leading Fintech companies nationwide, while providing traditional retail and commercial banking services within established markets. MVB’s comprehensive platform includes money movement solutions across all modalities and embedded finance capabilities. MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements while accelerating time-to-market. For more information about MVB, please visit ir.mvbbanking.com. Forward-Looking Statements MVB Financial has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this press release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and are subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as "may," "could," "should," "would," "will," "plans," "believes," "estimates," "expects," "anticipates," "intends," "continues" or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity and credit risk; changes in market interest rates; inability to successfully execute business plans, including strategies related to investments in Fintech companies; competition; industry factors and volatility and disruption in local, national and international political and economic conditions, such as economic slowdowns or recessions, nationally and in the markets in which we operate and other developments such as wars, natural disasters, epidemics or pandemics, military actions, terrorists attacks or geopolitical conflict, and any governmental or societal responses thereto; changes in demand for loan products and deposit flow; changes in deposit classifications; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as well as its other filings with the Securities and Exchange Commission ("SEC"), which are available on the SEC’s website at www.sec.gov. Except as required by law, the Company disclaims any obligation to update, revise or correct any forward-looking statements. Accounting standards require the consideration of subsequent events occurring after the balance sheet date for matters that require adjustment to, or disclosure in, the consolidated financial statements. The review period for subsequent events extends up to and including the filing date of a public company’s financial statements when filed with the SEC. Accordingly, the consolidated financial information in this announcement is subject to change. Non-U.S. GAAP Financial Measures This document contains supplemental financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). Management uses these non-U.S. GAAP financial measures in its analysis of the Company’s performance. These measures should not be considered a substitute for GAAP basis measures, nor should they be viewed as a substitute for operating results determined in accordance with GAAP. Management believes the presentation of non-U.S. GAAP financial measures that exclude the impact of specified items provides useful supplemental information that is essential to a proper understanding of the Company’s financial condition and results. Non-U.S. financial GAAP measures are not formally defined under GAAP, and other entities may use calculation methods that differ from those used by the Company. As a complement to GAAP financial measures, management believes these non-U.S. GAAP financial measures assist investors in comparing the financial condition and results of operations of financial institutions due to the industry prevalence of such non-U.S. GAAP financial measures. See the tables below for a reconciliation of these non-U.S. GAAP financial measures to the most directly comparable GAAP financial measures. View source version on businesswire.com: https://www.businesswire.com/news/home/20260728945706/en/ Contacts Questions or comments concerning this earnings release should be directed to: MVB Financial Corp. Michael R. Sumbs, Executive Vice President and Chief Financial Officer(844) [email protected] Amy Baker, VP, Corporate Communications and Marketing(844) [email protected]

Interested in Mvb Financial Corp.? Here are five stocks we like better. Second-quarter earnings benefited from margin expansion and growth: Net income was $12.3 million, or $0.93 per diluted share, while net interest income rose 13% sequentially to $32.3 million. Loans grew 3% and deposits increased 7.4%, with management expecting continued loan growth and further core margin expansion through 2026. Fintech momentum accelerated: MVB launched three new fintech partners during the quarter and has launched five year to date. New partnerships since the second quarter of 2025 have generated approximately $2 million in fee revenue and added $158 million in low-cost deposits, with more benefits expected in late 2026 and early 2027. Credit metrics improved despite higher provisioning: The company’s largest non-performing loan was repaid in full without a loss, reducing non-performing loans to $29.2 million. However, provision expense rose to $4.7 million, partly due to specific reserves for legacy SBA and commercial loans. Mvb Financial (NASDAQ:MVBF) reported second-quarter 2026 net income of $12.3 million, or $0.93 per diluted share, as expanding net interest margin, loan growth and fintech-related revenue supported results. The company also recorded a $10 million pre-tax gain on an existing fintech investment during the quarter. President and CEO Larry F. Mazza said the company’s results reflected “continued expansion of our net interest margin, disciplined loan and deposit growth, cost management, and momentum across our payment platform and fintech business.” He described MVB as a fintech-enabled bank with operations spanning core banking, payments, banking-as-a-service and gaming. → Volatility Is Back and These 3 Market Tollbooths Are Best Positioned to Profit Net interest income rose 13% sequentially to $32.3 million. Fully tax-equivalent net interest margin expanded 43 basis points from the first quarter to 4.16%. CFO Mike Sumbs said the quarterly result included about $2.3 million in non-recurring net interest income, primarily tied to the repayment of the company’s largest non-performing loan. Excluding that item, core net interest income increased approximately 5.5% from the first quarter, while core fully tax-equivalent net interest margin rose 14 basis points to 3.87%. → This Tiny AI Supplier Could Be More Important Than the Chipmakers Sumbs said MVB expects core margin expansion to continue through the rest of 2026, though at a slower pace. He attributed the expected improvement to further growth in higher-yielding loans, a larger share of earning assets allocated to loans, and lower funding costs. Loans increased 3% during the quarter, or 12% on an annualized basis, marking the company’s fifth consecutive quarter of loan growth. Management expects growth to continue at a roughly similar pace in the second half, which Sumbs described during the question-and-answer session as approximately $60 million to $70 million per quarter. → 2 Stocks Built to Thrive If Inflation Refuses to Fade Deposits rose 7.4%, including a 5.7% increase in non-interest-bearing deposits, driven primarily by payments-related deposit growth. MVB ended the quarter with a loan-to-deposit ratio just below 80%, while non-interest-bearing deposits accounted for 34.4% of total deposits. Non-interest income increased to $18.8 million, reflecting the $10 million gain on the existing fintech investment. Excluding the gain, core fee revenue increased 7% from the first quarter. Payment card and service charge income rose 18% sequentially and 29% from the prior-year second quarter. Mazza said MVB launched three new fintech partners and products in the second quarter across issuing and money-movement services. The company has launched five partners year to date, matching the total number of partnerships it launched in all of 2025. During the call, management said the 10 fintech launches completed since the second quarter of 2025 have generated about $2 million in revenue and $158 million in low-cost deposits. Mazza estimated that those partners are currently contributing about 25% of their anticipated longer-term earnings contribution. Sumbs said approximately 60% of the $2 million in new fee revenue from those new clients was generated in the second quarter, compared with roughly $800,000 in the first quarter. He said MVB expects to begin realizing more of the benefit from fintech clients launched beginning in the fourth quarter of 2025 and the first quarter of 2026 during late 2026 and early 2027. Management said the company has more than 50 potential fintech clients in its pipeline and could potentially onboard another 15 during the second half of 2026. Mazza noted that onboarding capacity depends on the needs of individual clients, while the company prioritizes prospective clients based on risk, effort, value and opportunity cost. Credit quality metrics improved in several areas after MVB’s largest non-performing loan, approximately $12 million, was repaid in full with no loss. Non-performing loans declined $5.5 million sequentially to $29.2 million, with the large resolution partly offset by smaller loans entering non-performing status. Sumbs said the newly non-performing credits were primarily smaller loans in the company’s commercial and SBA portfolios, along with part of a tax-refund portfolio where repayments have been delayed by factors affecting tax refund timing. Criticized and classified loans both declined from the first quarter, while net charge-offs were 23 basis points on an annualized basis, down three basis points sequentially. Provision expense increased to $4.7 million. Management attributed the increase to reserve needs associated with loan growth, specific reserves on a small number of credits, and updates to qualitative allowance-model factors reflecting higher interest rates and inflationary pressures related to geopolitical events. About $3.3 million of the provision was tied to specific reserves, primarily involving legacy SBA loans originated in 2021 and early 2022, as well as several smaller commercial loans, Sumbs said. MVB has not originated new SBA credits for some time. The allowance for credit losses rose to 1.14% of loans from 0.94% in the first quarter, and management said it believes the portfolio is appropriately reserved. Expenses increased by slightly more than $2 million from the first quarter, including about $600,000 of non-recurring expense. The company cited annual salary adjustments, higher incentive compensation, revenue-generating hires, and investments in fintech onboarding, technology and artificial intelligence initiatives. Mazza said MVB had 31 internal AI “digies,” or digital assistants, either built or in development, with particular use in risk and compliance functions. Sumbs said the company has made its heavier AI-related investments and expects future benefits through operating leverage and cost management. He said expenses are expected to remain at or slightly below second-quarter levels for the next several quarters. Tangible book value per share increased to $26.52, while the tangible common equity ratio remained at 9.7%. MVB repurchased approximately 48,000 shares, or about $1.2 million of stock, during the quarter. Management said its capital priorities include supporting organic balance-sheet growth, investing in higher-return business lines and pursuing opportunistic repurchases based on the share price. MVB Financial Corp is a bank holding company based in Fairmont, West Virginia, serving individuals and businesses through its subsidiary, MVB Bank, Inc The company operates under a “Local First Banking” philosophy, emphasizing personalized service across its branch network. Its core business activities include deposit-taking, commercial lending, residential mortgage origination, and wealth management services. On the deposit side, MVB Bank offers a range of products such as checking and savings accounts, money market accounts, and certificates of deposit. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Mvb Financial Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

MVB Financial (MVBF) came out with quarterly earnings of $0.25 per share, missing the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.15 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -24.24%. A quarter ago, it was expected that this company would post earnings of $0.37 per share when it actually produced earnings of $0.39, delivering a surprise of +5.41%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. MVB Financial, which belongs to the Zacks Banks - Northeast industry, posted revenues of $39.8 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 8.75%. This compares to year-ago revenues of $33.72 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. MVB Financial shares have added about 12.8% since the beginning of the year versus the S&P 500's gain of 8.3%. While MVB Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for MVB Financial was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.44 on $39.5 million in revenues for the coming quarter and $1.63 on $153.6 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the top 29% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, Beacon Financial (BBT), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 29. This bank holding company is expected to post quarterly earnings of $0.77 per share in its upcoming report, which represents a year-over-year change of +11.6%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Beacon Financial's revenues are expected to be $222.38 million, up 95.6% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Mvb Financial Corp. (MVBF) : Free Stock Analysis Report Beacon Financial Corporation (BBT) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Esquire Financial Holdings, Inc. (ESQ) came out with quarterly earnings of $1.6 per share, beating the Zacks Consensus Estimate of $1.55 per share. This compares to earnings of $1.38 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +3.23%. A quarter ago, it was expected that this company would post earnings of $1.52 per share when it actually produced earnings of $1.58, delivering a surprise of +3.95%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Esquire Financial, which belongs to the Zacks Banks - Northeast industry, posted revenues of $42.13 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.00%. This compares to year-ago revenues of $35.83 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Esquire Financial shares have added about 18.6% since the beginning of the year versus the S&P 500's gain of 9.6%. While Esquire Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Esquire Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.63 on $42.35 million in revenues for the coming quarter and $6.70 on $164.08 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the top 37% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, MVB Financial (MVBF), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 28. This company is expected to post quarterly earnings of $0.33 per share in its upcoming report, which represents a year-over-year change of +120%. The consensus EPS estimate for the quarter has been revised 3.3% lower over the last 30 days to the current level. MVB Financial's revenues are expected to be $36.6 million, up 8.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Esquire Financial Holdings, Inc. (ESQ) : Free Stock Analysis Report Mvb Financial Corp. (MVBF) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

FAIRMONT, W.Va., July 15, 2026--(BUSINESS WIRE)--MVB Financial Corp. ("MVBF," "MVB Financial," or the "Company") (Nasdaq: MVBF) announced today that it will release its second quarter 2026 financial results after market close on Tuesday, July 28, 2026. A webcast and conference call to discuss the results will be held on the same day at 5 p.m. Eastern Time. Webcast:A live webcast of the conference call will be available in the Events & Presentations section of the Company’s website at https://ir.mvbbanking.com/events-and-presentations. To access the live broadcast, please visit the site at least 15 minutes before the scheduled start time to register and download any required audio software. To Participate in the Telephone Conference Call:Dial in at least 15 minutes prior to the start time.Domestic: 1-877-451-6152International: 1-201-389-0879 Conference Call Playback:Domestic: 1-844-512-2921International: 1-412-317-6671Passcode: 13760259The playback can be accessed through Tuesday, August 11, 2026 About MVB Financial CorpMVB Financial Corp. (Nasdaq: MVBF) is an innovative bank powering Fintech solutions in payments, card issuance and online gaming programs for leading Fintech companies nationwide, while providing traditional retail and commercial banking services within established markets. MVB’s comprehensive platform includes money movement solutions across all modalities and embedded finance capabilities. MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements while accelerating time-to-market. For more information about MVB, please visit https://ir.mvbbanking.com. Forward-Looking Statements MVB Financial has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this press release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and are subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as "may," "could," "should," "would," "will," "plans," "believes," "estimates," "expects," "anticipates," "intends," "continues" or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity and credit risk; changes in market interest rates; inability to successfully execute business plans, including strategies related to investments in Fintech companies; competition; unforeseen events, such as pandemics or natural disasters, and any governmental or societal responses thereto; changes in economic, business and political conditions, including, without limitation, the imposition of international trade policies and any retaliatory responses thereto; changes in demand for loan products and deposit flow; changes in deposit classifications; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as well as its other filings with the Securities and Exchange Commission ("SEC"), which are available on the SEC’s website at www.sec.gov. Except as required by law, the Company disclaims any obligation to update, revise or correct any forward-looking statements. View source version on businesswire.com: https://www.businesswire.com/news/home/20260715343163/en/ Contacts MEDIA CONTACT Amy BakerVP, Corporate Communications and MarketingMVB [email protected] (304) 288-9540 INVESTOR RELATIONS Marcie [email protected] (844) 682-2265

FAIRMONT, W.Va., May 20, 2026--(BUSINESS WIRE)--MVB Financial Corp. (NASDAQ: MVBF) ("MVB" or the "Company") today announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share, consistent with the previous quarter’s dividend. The dividend is payable on June 15, 2026, for shareholders of record as of June 1, 2026. This is the second quarterly dividend for 2026. "MVB delivered a strong first quarter 2026, with earnings up over 40% year-over-year, and we are pleased to maintain our dividend to the benefit of our shareholders. Our commitment remains to maximize shareholder value through disciplined execution, continuous improvement of profitability metrics and strategic investments in high-return opportunities," said Larry F. Mazza, President and Chief Executive Officer, MVB Financial. About MVB Financial Corp. MVB Financial Corp. (Nasdaq: MVBF) is an innovative bank powering Fintech solutions in payments, card issuance and online gaming programs for leading Fintech companies nationwide, while providing traditional retail and commercial banking services within established markets. MVB’s comprehensive platform includes money movement solutions across all modalities and embedded finance capabilities. MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements while accelerating time-to-market. For more information about MVB, please visit https://ir.mvbbanking.com. Forward-Looking Statements MVB Financial has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this press release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and are subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as "may," "could," "should," "would," "will," "plans," "believes," "estimates," "expects," "anticipates," "intends," "continues" or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity and credit risk; changes in market interest rates; inability to successfully execute business plans, including strategies related to investments in Fintech companies; competition; unforeseen events, such as pandemics or natural disasters, and any governmental or societal responses thereto; changes in economic, business and political conditions, including, without limitation, the imposition of international trade policies and any retaliatory responses thereto; changes in demand for loan products and deposit flow; changes in deposit classifications; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as well as its other filings with the Securities and Exchange Commission ("SEC"), which are available on the SEC’s website at www.sec.gov. Except as required by law, the Company disclaims any obligation to update, revise or correct any forward-looking statements. View source version on businesswire.com: https://www.businesswire.com/news/home/20260520756972/en/ Contacts MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (304) 288-9540 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265

Strong Q1 results: Net income rose 45% year-over-year to $5.2 million with diluted EPS of $0.39, driven by net interest income up 7%, non‑interest income up 17% and a NIM of 3.71% (up 8 bps) while non‑interest expense declined 2%. Fintech momentum: MVB’s fintech-enabled model remains a growth engine — its payments platform processes about $48 billion annually, payment card and service-charge income increased 13.5% sequentially, and the company added two new partners with a strong pipeline. Efficiency and capital moves: management is expanding AI “Digis” to automate risk/compliance (targeting 32 by year‑end and cutting related headcount toward ~90), repaid $40 million of higher‑cost subordinated debt to save an estimated $1.8 million annually, recorded a post‑quarter ~$10 million pre‑tax fintech gain (boosting tangible book by ≈$0.59), and launched a new $10 million buyback program. Interested in Mvb Financial Corp.? Here are five stocks we like better. Mvb Financial (NASDAQ:MVBF) opened fiscal 2026 with first-quarter earnings growth driven by higher revenue and lower expenses, while management emphasized momentum across both its core banking franchise and fintech-related businesses. The company also hosted its “first-ever earnings call as a public company,” according to host Amy Baker. President and CEO Larry F. Mazza said the company was “pleased to kick off the year with strong first quarter results,” highlighting that net income rose 45% year-over-year. CFO Mike Sumbs reported net income of $5.2 million and diluted earnings per share of $0.39, up 45% and 44% year-over-year, respectively. → Palantir Is Down 30%: Noise? Or a Signal to Accumulate? Sumbs said performance reflected “strong revenue growth,” with net interest income up 7% year-over-year and non-interest income up 17% year-over-year, while non-interest expense declined 2% year-over-year. Mazza also pointed to operating leverage, noting that revenues increased 8.8% while non-interest expense fell year-over-year. Net interest margin was 3.71% for the quarter, up 8 basis points from the prior-year period. Sumbs said the improvement was “primarily driven by favorable changes in the balance sheet mix,” partially offset by lower earning asset yields. Mazza added that the company’s deposit mix supported a “low 2.17% cost of funds.” → Homebuilder Earnings: D.R. Horton Sticks Out as Pulte & NVR Sales Tank Mazza described MVB as a “fintech-enabled bank” combining a traditional banking foundation with “scaled fintech capabilities in payments, banking-as-a-service, and digital gaming.” He cited approximately $3.3 billion in assets and $2.9 billion in deposits, and said the company’s payments platform processes about $48 billion annually. Mazza outlined a “dual-engine business model” that generates revenue from net interest income and what he called a growing base of fee-driven revenue. He described four operating “lanes”: Core banking platform supporting lending and deposit activities, including commercial real estate, C&I, and specialty lending Fintech partnerships across payments, banking-as-a-service, and gaming (with “over 40 gaming clients”) Building fintech solutions internally, including Victor Technologies, which Mazza said was sold last year for a $34 million gain Investing in fintech businesses → Meta Platforms Earnings Preview: What to Watch in Q1 2026 Report In the fintech platform, Mazza said payment card and service charge income increased 13.5% sequentially, aided by “seasonal factors and partner activity.” He said the company launched two new fintech partners during the first quarter and continues to see a “strong pipeline” of partnership opportunities. During Q&A, Sumbs said the ramp in revenue from new partners “can be choppy and hard to predict,” but he told analysts they “should see incremental improvement and growth” in payment card and service charge income as partners scale and new clients are onboarded through 2026. Mazza said the core banking business posted loan growth of 2.6% from the prior quarter, or about 10% annualized, marking the “fourth consecutive quarter of expansion.” Sumbs reported total loans reached $2.4 billion, up 10% on an annualized basis from the prior quarter, and noted that “a significant portion of the growth occurred toward the end of the quarter, primarily in March.” He added that the provision was recorded in the quarter, while the full net interest income benefit was not reflected in first-quarter results. Deposits were another key focus. Mazza said non-interest-bearing deposits were 35% of total deposits at quarter end. Responding to questions from KBW’s Catherine Mealor, Sumbs described two seasonal patterns: Gaming-related deposits tend to swell in the fourth quarter with NFL season and persist into early first quarter around the Super Bowl and March Madness, then decline toward the end of the first quarter and “trail off over the summer months.” Banking-as-a-service deposits, specifically the Credit Karma relationship, typically rise in the first quarter due to tax season. Sumbs said average deposits were up during the quarter due to seasonal strength in the BaaS relationship. He also said deposits increased about $60 million quarter-over-quarter “point to point,” despite running off about $90 million of CDs, with much of that activity occurring in March. Looking ahead, Sumbs said the company has additional CDs maturing and plans to “run off and reprice that down,” which he said should help reduce cost of funds and support margin. Management emphasized operational efficiency initiatives, including automation, data infrastructure, and artificial intelligence. Mazza said MVB has built “a data and AI infrastructure that supports automation across risk, compliance, and operational workflows.” He pointed to headcount reductions in risk and compliance functions over recent quarters, saying personnel declined from about 160 at a peak in the second quarter of 2024 to 111 in the fourth quarter of 2025, with further reductions underway. TD Cowen’s Janet Lee asked about “digital worker” growth. Mazza said the bank expects to have 32 “Digis” by year-end, clarifying that six are already in place and that the company is building 26 additional Digis during 2026. He said newer Digis will cost about one-third as much as the first six, which were more expensive due to early learning and implementation. Mazza said the initial focus was risk and compliance, where seasonal volumes have historically required outsourced support. He cited one new Digi, “Evelyn,” saying she can handle “1 million transactions a day,” compared with “anywhere between 10 and 30 transactions” for a human in that process. He said the company expects risk and compliance staffing to move “closer to 90 people from 160 down to 90” over time, while keeping “humans in the loop” with AI. More broadly, Mazza said the company has “a little over 400 people today” and hopes to keep staffing relatively stable while growing the business, with revenue per employee as an important metric. On credit, Sumbs said asset quality was “broadly stable,” with net charge-offs and provision both down sequentially. Non-performing assets increased slightly from the prior quarter, driven by “a small number of commercial and single-family residential loans.” He said the increase did not reflect material industry concentrations and that exposures are believed to be well secured. Sumbs added that about one-third of total non-performing assets at quarter end, or about $12.2 million, related to a single credit previously discussed, which the company expects to resolve “over time with no loss.” The company also repaid $40 million of higher-cost subordinated debt as part of balance sheet optimization. Sumbs said the action is expected to reduce funding costs and enhance net interest income, with estimated annual savings of about $1.8 million beginning in the second quarter of 2026. Tangible book value per share was $25.98, down slightly sequentially due to higher unrealized losses in the securities portfolio and a higher share count from option exercises, according to Sumbs. He also noted that subsequent to quarter end, MVB recorded a pre-tax gain of about $10 million related to an existing fintech investment, expected to be reported in the second quarter and to increase tangible book value per share by approximately $0.59. On capital returns, Sumbs said the company has repurchased $10 million of shares since the first quarter of the prior year, representing about 4% of outstanding shares, and announced a new $10 million share repurchase program in October 2025. He said MVB intends to remain “disciplined and opportunistic” in capital deployment. In closing remarks, Mazza said management is “energized by the opportunities ahead,” focusing on growing the fintech platform while strengthening the core banking foundation. He told analysts that after a strong start to the year, “the trend is our friend right now,” and said the company is looking for “a very strong 2026” in core performance. MVB Financial Corp is a bank holding company based in Fairmont, West Virginia, serving individuals and businesses through its subsidiary, MVB Bank, Inc The company operates under a “Local First Banking” philosophy, emphasizing personalized service across its branch network. Its core business activities include deposit-taking, commercial lending, residential mortgage origination, and wealth management services. On the deposit side, MVB Bank offers a range of products such as checking and savings accounts, money market accounts, and certificates of deposit. The article "Mvb Financial Q1 Earnings Call Highlights" was originally published by MarketBeat.

MVB Financial (MVBF) came out with quarterly earnings of $0.39 per share, beating the Zacks Consensus Estimate of $0.37 per share. This compares to earnings of $0.27 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.35%. A quarter ago, it was expected that this company would post earnings of $0.31 per share when it actually produced earnings of $0.32, delivering a surprise of +3.23%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. MVB Financial, which belongs to the Zacks Banks - Northeast industry, posted revenues of $36.66 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 2.17%. This compares to year-ago revenues of $33.68 million. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. MVB Financial shares have added about 2.8% since the beginning of the year versus the S&P 500's gain of 4.3%. While MVB Financial has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for MVB Financial was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.45 on $38.7 million in revenues for the coming quarter and $1.88 on $157.6 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the top 35% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. CF Bankshares Inc. (CFBK), another stock in the same industry, has yet to report results for the quarter ended March 2026. This company is expected to post quarterly earnings of $0.81 per share in its upcoming report, which represents a year-over-year change of +19.1%. The consensus EPS estimate for the quarter has been revised 1.1% higher over the last 30 days to the current level. CF Bankshares Inc.'s revenues are expected to be $16.44 million, up 16.5% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Mvb Financial Corp. (MVBF) : Free Stock Analysis Report CF Bankshares Inc. (CFBK) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research