DDM Analysis: MVBF

Valuation Snapshot

Stable Growth	$73.82 - $304.19	$126.76
Multi-Stage	$45.90 - $50.18	$48.00
Blended Fair Value	$87.38
Current Price	$25.06
Upside	248.69%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	30.81%	30.01%	0.67	0.66	0.64	0.46	0.33	0.17	0.09	0.08	0.05	0.05
YoY Growth	-	-	1.54%	3.40%	38.37%	41.24%	86.68%	87.70%	18.10%	59.91%	0.78%	0.79%
Dividend Yield	-	-	3.86%	2.98%	3.08%	1.11%	0.96%	1.37%	0.60%	0.40%	0.39%	0.36%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	32.16
(-) Cash Dividends Paid (M)	8.78
(=) Cash Retained (M)	23.37

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.43	4.02	2.41
Cash Retained (M)	23.37	23.37	23.37
(-) Cash Required (M)	-6.43	-4.02	-2.41
(=) Excess Retained (M)	16.94	19.35	20.96
(/) Shares Outstanding (M)	13.13	13.13	13.13
(=) Excess Retained per Share	1.29	1.47	1.60
LTM Dividend per Share	0.67	0.67	0.67
(+) Excess Retained per Share	1.29	1.47	1.60
(=) Adjusted Dividend	1.96	2.14	2.27
WACC / Discount Rate	8.30%	8.30%	8.30%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$73.82	$126.76	$304.19
Upside / Downside	194.56%	405.83%	1,113.84%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	32.16	34.25	36.47	38.84	41.37	44.06	45.38
Payout Ratio	27.31%	39.85%	52.39%	64.93%	77.46%	90.00%	92.50%
Projected Dividends (M)	8.78	13.65	19.11	25.22	32.04	39.65	41.97

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.30%	8.30%	8.30%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	12.48	12.60	12.72
Year 2 PV (M)	15.99	16.29	16.60
Year 3 PV (M)	19.30	19.85	20.42
Year 4 PV (M)	22.43	23.29	24.18
Year 5 PV (M)	25.39	26.61	27.89
PV of Terminal Value (M)	506.99	531.47	556.90
Equity Value (M)	602.57	630.12	658.70
Shares Outstanding (M)	13.13	13.13	13.13
Fair Value	$45.90	$48.00	$50.18
Upside / Downside	83.17%	91.55%	100.23%

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MVB Financial Corp. (MVBF)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener