MVB Financial (MVBF) Cash Flow: Operating & Free Cash Flow

MVB Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for MVB Financial Corp. (MVBF) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	26.92	20.25	31.01	14.39	38.70	37.41	26.99	12.00	7.58
Depreciation & Amortization	2.60	3.93	5.00	5.32	4.20	3.29	3.27	2.94	2.69
Deferred Income Tax	-0.39	2.20	0.10	-3.63	6.13	-3.39	-3.95	0.14	1.35
Stock Based Compensation	3.80	2.91	2.66	3.22	3.21	2.35	1.76	1.27	0.81
Change in Working Capital	0.98	-21.36	-4.53	-14.86	1.25	-8.50	10.56	-1.75	0.00
Change in Other Working Capital	0.98	-21.36	-4.53	-22.80	1.25	-8.50	10.56	-1.75	0.00
Other Operating Activities	-4.32	-10.41	-3.89	-22.80	-18.67	81.07	-46.69	-7.90	20.69
Net Cash from Operating Activities	4.03	-0.29	58.23	7.35	34.82	112.24	-8.06	6.69	33.12
Investing Activities
Capital Expenditures	-1.92	-1.62	-1.92	-3.04	-4.87	-6.62	-2.04	-2.69	-4.50
Acquisitions	0.00	0.00	-3.94	0.00	-96.27	-78.70	-2.65	0.00	0.00
Purchases of Investments	-217.03	-114.06	-92.61	-132.45	-220.10	-279.71	-72.38	-33.07	-139.13
Sales/Maturities of Investments	223.33	41.84	131.73	82.96	195.80	123.14	70.77	28.49	72.21
Other Investing Activities	-14.15	-2.16	-2.52	-518.60	-446.52	-52.23	-113.75	-202.71	-64.69
Net Cash from Investing Activities	-208.60	144.46	88.25	-571.13	-571.95	-294.11	-120.06	-209.98	-136.10
Financing Activities
Debt Repayment	0.58	-6.85	-3.03	-0.25	29.45	-141.00	-4.40	62.72	61.25
Common Stock Issued	2.30	1.49	0.64	2.07	0.50	0.00	0.00	0.00	4.93
Common Stock Repurchased	-10.62	-0.44	-0.85	-0.67	0.00	-15.75	0.00	0.00	0.00
Dividends Paid	-8.71	-8.77	-8.64	-8.36	-6.07	-4.74	-2.77	-1.71	-1.53
Other Financing Activities	146.77	-209.92	-0.10	-0.04	556.81	579.25	141.07	144.19	41.30
Net Cash from Financing Activities	130.79	-224.49	211.47	296.62	580.68	417.77	133.90	205.20	105.94
Summary
Net Change in Cash	-73.79	-80.32	357.95	-267.16	43.54	235.89	5.78	1.92	2.97
Cash at Beginning of Period	317.91	398.23	40.28	307.44	263.89	28.00	22.22	20.31	17.34
Cash at End of Period	244.13	317.91	398.23	40.28	307.44	263.89	28.00	22.22	20.31
Free Cash Flow	2.11	-1.91	56.32	4.31	29.95	105.62	-10.10	4.00	28.63
Supplemental Disclosures
Interest Paid	-	73.24	66.71	12.29	6.15	-	-	-	-
Income Taxes Paid	-	0.92	13.08	2.29	11.96	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About MVB Financial Cash Flow

What is MVB Financial's free cash flow?

MVB Financial generated free cash flow of $2.11M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $4.03M minus $1.92M of capital expenditures. Free cash flow equaled 1.7% of revenue.

How much does MVB Financial spend on capital expenditures?

MVB Financial spent $1.92M on capital expenditures in fiscal 2025, compared with $1.62M a year earlier. That equals 47.5% of operating cash flow.

Does MVB Financial pay dividends or buy back shares?

Yes. In fiscal 2025 MVB Financial returned $8.71M in dividends and $10.62M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition