MVBF Balance Sheet, Income & Cash Flow

Data as of: September 24, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

Line item	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	1.72	1.67	1.66	2.08	4.91	4.75	5.05	5.74	5.10	5.11	6.77	6.84	9.32	9.33	9.01	8.24	11.95	10.65	8.81	11.84	16.39	17.30	20.64
Cost of Revenue	1.31	1.22	1.23	1.66	2.29	2.01	1.93	2.01	1.51	1.33	0.97	1.24	1.44	1.47	1.39	1.58	2.05	2.33	0.00	2.20	4.97	6.10	5.85
Gross Profit	0.41	0.45	0.43	0.43	2.62	2.74	3.12	3.72	3.59	3.78	5.80	5.60	7.88	7.87	7.63	6.66	9.89	8.32	8.81	9.64	11.42	11.20	14.79
Selling, General & Administrative	0.78	0.90	1.23	1.00	1.15	1.27	1.43	1.99	1.75	1.79	4.20	4.18	5.38	5.38	5.19	4.29	5.48	5.27	4.36	5.06	5.22	5.49	5.42
Total Operating Expenses	-0.39	-0.67	0.06	-0.03	2.06	2.41	2.55	2.80	2.74	2.77	5.15	5.24	6.72	6.54	6.45	5.45	6.99	4.43	5.04	8.47	9.32	9.20	11.98
Operating Income	0.80	1.12	0.37	0.45	0.56	0.33	0.57	0.93	0.85	1.01	0.65	0.36	1.17	1.33	1.18	1.21	2.91	3.88	3.76	1.17	2.10	2.01	2.81
Interest Expense	1.16	1.04	1.15	1.50	2.10	1.83	1.69	1.67	1.12	0.85	0.67	0.92	1.13	1.11	1.18	1.39	1.91	0.96	0.50	1.10	5.12	5.83	5.18
Pre-Tax Income	0.80	1.12	0.37	0.45	0.56	0.33	0.57	0.93	0.85	1.01	0.65	0.36	1.17	1.33	1.18	1.21	2.91	3.88	3.76	1.17	2.10	2.01	2.81
Income Tax Expense	0.27	0.41	0.10	0.12	0.14	0.08	0.14	0.24	0.23	0.29	0.13	0.03	0.35	0.43	0.46	0.27	0.70	0.79	0.76	0.26	0.39	0.46	0.76
Net Income	0.53	0.70	0.28	0.34	0.42	0.25	0.43	0.68	0.62	0.72	0.52	0.26	0.84	1.28	0.73	0.94	2.24	3.09	3.10	1.17	2.40	1.53	2.06
EBITDA	0.89	1.19	0.47	0.56	0.69	0.48	0.74	1.22	1.15	1.10	0.77	0.51	1.52	1.66	1.44	1.44	3.18	4.16	4.10	1.58	2.48	2.30	3.01

MVB Financial Corp