MVBF / MVB Financial Corp. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

MVB Financial Corp.
US ˙ NasdaqCM ˙ US5538101024

Mga Batayang Estadistika
LEI 549300KSUQ2FUU1X2O74
CIK 1277902
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to MVB Financial Corp.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 20, 2025 EX-99.1

MVB Financial Corp. Declares Third Quarter 2025 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Third Quarter 2025 Dividend (FAIRMONT, W.Va.) August 20, 2025 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has de

August 20, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 20, 2025 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 7, 2025 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

July 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

July 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

July 28, 2025 EX-99.1

1 INVESTOR PRESENTATION Q 2 2 0 2 5 M V B – F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and S

investorpresentation-q22 1 INVESTOR PRESENTATION Q 2 2 0 2 5 M V B – F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp.

July 28, 2025 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2025 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2025 Results (FAIRMONT, WV) July 28, 2025 – 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 2025, with reported net income of $2.0 million, or $0.16 and $0.15 per basic and dilu

July 11, 2025 EX-10.2

Employment Agreement, dated July 10, 2025, by and between MVB Financial Corp. and Michael Sumbs.

Exhibit 10.2 EXECUTIVE EMPLOYMENT AGREEMENT THIS EXECUTIVE EMPLOYMENT AGREEMENT (“Agreement”) dated as of July 10, 2025, is between MVB Financial Corp., a West Virginia corporation (“Employer”), and Michael R. Sumbs (“Executive”). The parties hereby agree to the following terms. 1. Employment. Employer hereby employs Executive, and Executive hereby accepts employment upon the terms and conditions

July 11, 2025 EX-10.1

Transition Agreement, dated July 10, 2025, by and between MVB Financial Corp. and Donald T. Robinson.

Exhibit 10.1 TRANSITION AGREEMENT Dear Don: The following outlines our mutual agreement (the “Agreement”), regarding the transition from your roles and employment with MVB Financial Corp., MVB Bank, Inc., and/or its affiliates (collectively, “MVB” or the “Company”), effective as of July 10, 2025 (the “Effective Date”). In consideration of the promises and benefits set forth herein, and for other g

July 11, 2025 EX-99.1

MVB Financial Corp. Announces Executive Transition Appointment of Michael R. Sumbs as CFO; Appointment of Jonathan T. Logan as Chief Accounting Officer Current CEO Larry F. Mazza to Reassume Role of President Departure of Donald T. Robinson

Exhibit 99.1 MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Announces Executive Transition Appointment of Michael R. Sumbs as CFO; Appointment of Jonathan T. Logan as Chief Accounting Officer Current CEO Larry F. Mazza to Reassume Role of

July 11, 2025 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 10, 2025 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

June 26, 2025 11-K

☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 A.Full title of the plan and addres

June 5, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 21, 2025 EX-99.1

MVB Financial Corp. Declares Second Quarter 2025 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Second Quarter 2025 Dividend (FAIRMONT, W.Va.) May 21, 2025 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has decl

May 21, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 20, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 20, 2025 EX-99.1

1 27th ANNUAL MEETING OF SHAREHOLDERS M A Y 2 0 , 2 0 2 5 2 Message from the CEO 3 Speaker Larry F. Mazza CEO, MVBF & MVB Bank 4 MVB’s Strategy on a Page (SOAP) Trust Commitment TeamworkRespect, Love & Caring Adaptive Compliance and Risk Management T

a2025annualmeetingceosli 1 27th ANNUAL MEETING OF SHAREHOLDERS M A Y 2 0 , 2 0 2 5 2 Message from the CEO 3 Speaker Larry F.

May 19, 2025 EX-99.1

MVB Financial Corp. Announces Stock Repurchase Program

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Announces Stock Repurchase Program (FAIRMONT, W.Va.) May 19, 2025 – The Board of Directors of MVB Financial Corp. (“MVBF” or “MVB Financial”) (Nasdaq: MVBF)

May 19, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2025 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 15, 2025 EX-99.1

1 INVESTOR PRESENTATION Q 1 2 0 2 5 M V B – F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and S

1 INVESTOR PRESENTATION Q 1 2 0 2 5 M V B – F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp.

May 15, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 15, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 9, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 9, 2025 EX-99.1

1 Investor Presentation M a y 9 , 2 0 2 5 MVB Financial Corp. (“MVB” or the “Company”) 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

a2025investorpresentatio 1 Investor Presentation M a y 9 , 2 0 2 5 MVB Financial Corp.

May 7, 2025 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

April 30, 2025 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2025 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2025 Results (FAIRMONT, WV) April 30, 2025 – 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 first quarter of 2025, with reported net income of $3.6 million, or $0.28 basic and $0.27 diluted earni

April 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

April 7, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) £ Definitive Proxy State

April 7, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) S Definitive Proxy State

March 18, 2025 EX-99.1

INVESTOR PRESENTATION Q 4 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 4 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

March 18, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 18, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

March 13, 2025 EX-4.2

Filed herewith

Exhibit 4.2 DESCRIPTION OF SECURITIES The following summary of MVB Financial Corp’s common stock is based on and qualified by the Company’s Amended Articles of Incorporation (the “Amended Articles of Incorporation”) For a complete description of the terms and provisions of the Company’s equity securities, including its common stock, refer to the Amended Articles of Incorporation, both of which are

March 13, 2025 EX-10.17

Filed herewith

March 13, 2025 10-K

Filed herewith

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38314 MVB Financial C

March 13, 2025 EX-97

Filed herewith

Exhibit 10.19 MVB FINANCIAL CORP. CLAWBACK POLICY 1.Purpose; Overview. The purpose of this Clawback Policy (this “Policy”) is to set forth the circumstances under which a Covered Executive will be required to repay or return Erroneously Awarded Compensation to the Company. The Board of Directors (the “Board”) of MVB Financial Corp. (together with its Affiliates, the “Company”) has adopted this Pol

March 13, 2025 EX-19

Filed herewith

Exhibit 19 MVB BANK INSIDER TRADING POLICY PRESIDENT AND CFO, FINANCE Contents 1.0 Policy Governance.......................................................................................................................... 2 1.1 Policy Purpose and Objectives................................................................................................. 2 1.2 Policy Scope and Applicability .......

March 13, 2025 EX-21

Filed herewith

Exhibit 21 MVB FINANCIAL CORP. AND SUBSIDIARIES ANNUAL REPORT ON FORM 10-K FOR FISCAL YEAR ENDED DECEMBER 31, 2024 Subsidiaries of MVB Financial Corp.1 Name of Subsidiary Jurisdiction of Incorporation MVB Bank, Inc. West Virginia MVB Insurance, LLC West Virginia Paladin Fraud, LLC West Virginia MVB Technology, LLC West Virginia MVB Edge Ventures, LLC West Virginia Victor Technologies, LLC West Vir

March 13, 2025 EX-10.16

Filed herewith

February 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 27, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 28, 2025 EX-99.1

MVB Financial Corp. Names Vic Maculaitis as Director

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Names Vic Maculaitis as Director (FAIRMONT, W.Va.) February 28, 2025 – The Board of Directors of MVB Financial Corp. (“MVBF” or “MVB Financial”) (Nasdaq: MVB

February 19, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 19, 2025 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

February 19, 2025 EX-99.1

MVB Financial Corp. Declares First Quarter 2025 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares First Quarter 2025 Dividend (FAIRMONT, W.Va.) February 19, 2025 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has

February 13, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 13, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 13, 2025 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2024 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2024 Results (FAIRMONT, WV) February 13, 2025 – 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 fourth quarter and year ended December 31, 2024, with reported net income of $9.4 mil

February 10, 2025 EX-99

JOINT FILING AGREEMENT

JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13G (the “Schedule 13G”) with respect to the common stock of MVB Financial Corp.

January 24, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 24, 2025 EX-99.1

MVB Financial Corp. Names Glen Herrick as Director

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Names Glen Herrick as Director FAIRMONT, W.Va.) January 24, 2025 – The Board of Directors of MVB Financial Corp. (“MVBF” or “MVB Financial”) (Nasdaq: MVBF) h

January 14, 2025 EX-99.1

MVB Names Experienced Leader Jeffrey Weidley as Chief Deposits Officer

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Names Experienced Leader Jeffrey Weidley as Chief Deposits Officer (FAIRMONT, W.Va.) January 14, 2025 – MVB Financial Corp. (Nasdaq: MVBF) (“MVB,” “MVB Financial” or the “Co

January 14, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 14, 2025 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 2, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 30, 2024 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 2, 2025 EX-10.1

Execution Version AGREEMENT FOR PURCHASE AND SALE OF PROPERTY THIS AGREEMENT is made and entered into as of the Effective Date (as hereinafter defined), by and between MVB BANK, INC., a West Virginia banking corporation (“Seller” and “Leaseback Tenan

Execution Version AGREEMENT FOR PURCHASE AND SALE OF PROPERTY THIS AGREEMENT is made and entered into as of the Effective Date (as hereinafter defined), by and between MVB BANK, INC.

January 2, 2025 EX-10.2

Execution Version MASTER LEASE by and among FNLR MVBB LLC, as Landlord, and MVB BANK, INC., as Tenant i TABLE OF CONTENTS Page ARTICLE I PROPERTY ........................................................................................................

Execution Version MASTER LEASE by and among FNLR MVBB LLC, as Landlord, and MVB BANK, INC.

January 2, 2025 EX-10.3

GUARANTY OF LEASE This Guaranty of Lease (the “Guaranty”) is executed as of December 30, 2024, by MVB FINANCIAL CORP., a West Virginia corporation (together with its successors and permitted assigns, “Guarantor”), in favor of FNLR MVBB LLC, a Delawar

GUARANTY OF LEASE This Guaranty of Lease (the “Guaranty”) is executed as of December 30, 2024, by MVB FINANCIAL CORP.

December 18, 2024 EX-4.5

Form of Subordinated Indenture.

Exhibit 4.5 MVB FINANCIAL CORP. Issuer to Trustee SUBORDINATED INDENTURE Dated as of Subordinated Debt Securities TABLE OF CONTENTS ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 9 Section 1.03 Form of Documents Delivered to Trustee 9 Section 1.04 Acts of Holders 9 Section 1.05 Notices, Etc., to Tru

December 18, 2024 EX-4.1

Specimen of stock certificate representing MVB Financial Corp. common stock.

Exhibit 4.1 00010543C1MVBF I COlICUSIC0000016284 I CAPIN10263100262501111 I THIS CERTIFIES that is the owner of MVB Financial Corp. ORGANIZED UNDER THE LAWS OF THE STATE OF WEST VIRGINIA COMMON STOCK COMPUTERSHARE SHAREHOLDER SERVICES INC 250 ROYALL ST CANTON MA 02021 **ONE** CUSIP 553810 10 2 SEE REVERSE FOR CERTAIN DEFINITIONS ************1***** *************1**** **************1*** ************

December 18, 2024 EX-FILING FEES

Filing Fee Calculation

EX-FILING FEES Exhibit 107 CALCULATION OF FILING FEE TABLE Form S-3 (Form Type) MVB FINANCIAL CORP.

December 18, 2024 EX-4.6

Form of Senior Indenture.

Exhibit 4.6 MVB FINANCIAL CORP. Issuer to Trustee SENIOR INDENTURE Dated as of Senior Debt Securities TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 7 Section 1.03 Form of Documents Delivered to Trustee 7 Section 1.04 Acts of Holders 8 Section 1.05 Notices, Etc., to Trustee an

December 18, 2024 S-3

As filed with the Securities and Exchange Commission on December 18, 2024.

Table of Contents As filed with the Securities and Exchange Commission on December 18, 2024.

November 21, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2024 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

November 21, 2024 EX-99.1

MVB Financial Corp. Declares Fourth Quarter 2024 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Fourth Quarter 2024 Dividend (FAIRMONT, W.Va.) November 21, 2024 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has

November 14, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 14, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

November 14, 2024 EX-99.1

MVB Names Risk Management Industry Leader Joe Rodriguez as Chief Risk Officer

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Names Risk Management Industry Leader Joe Rodriguez as Chief Risk Officer (FAIRMONT, W.Va.) November 14, 2024 – MVB Financial Corp. (Nasdaq: MVBF) (“MVB,” “MVB Financial” or

November 5, 2024 EX-99.1

INVESTOR PRESENTATION Q 3 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 3 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

November 5, 2024 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Finan

November 5, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 5, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 30, 2024 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2024 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2024 Results (FAIRMONT, WV) October 30, 2024 – 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 third quarter of 2024, with reported net income of $2.1 million, or $0.16 basic and diluted earnings

August 21, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 21, 2024 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 21, 2024 EX-99.1

MVB Financial Corp. Declares Third Quarter 2024 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Third Quarter 2024 Dividend (FAIRMONT, W.Va.) August 21, 2024 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has de

August 8, 2024 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

July 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

July 29, 2024 EX-99.1

INVESTOR PRESENTATION Q 2 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 2 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

July 29, 2024 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2024 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2024 Results (FAIRMONT, WV) July 29, 2024 – 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 2024, with reported net income of $4.1 million, or $0.32 basic and $0.31 diluted earn

July 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

June 21, 2024 11-K

☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 A.Full title of the plan and addres

June 7, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 22, 2024 EX-99.1

MVB Financial Corp. Declares Second Quarter 2024 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Second Quarter 2024 Dividend (FAIRMONT, W.Va.) May 22, 2024 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has decl

May 22, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 21, 2024 EX-99.1

2020 2021 2022 2023 2024 Source: Company documents and SEC Filings. Source: Company documents and SEC Filings 2020 2021 2022 2023 Q1 2023 Q1 2024 Source: Company documents and SEC Filings. *Commercial and Retail. (F) – Fintech deposits. (C) – CoRe de

a2024annualmeetingceosli 2020 2021 2022 2023 2024 Source: Company documents and SEC Filings.

May 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 21, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 7, 2024 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

May 6, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 6, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 6, 2024 EX-99.1

INVESTOR PRESENTATION Q 1 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 1 2 0 2 4 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

April 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

April 29, 2024 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2024 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2024 Results (FAIRMONT, WV) April 29, 2024 – 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 first quarter of 2024, with reported net income of $4.5 million, or $0.35 basic and $0.34 diluted earni

April 12, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) £ Definitive Proxy State

April 8, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) S Definitive Proxy State

March 13, 2024 EX-10.19

Filed herewith

Exhibit 10.19 MVB FINANCIAL CORP. CLAWBACK POLICY 1.Purpose; Overview. The purpose of this Clawback Policy (this “Policy”) is to set forth the circumstances under which a Covered Executive will be required to repay or return Erroneously Awarded Compensation to the Company. The Board of Directors (the “Board”) of MVB Financial Corp. (together with its Affiliates, the “Company”) has adopted this Pol

March 13, 2024 10-K

Filed herewith

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38314 MVB Financial C

March 13, 2024 EX-21

Filed herewith

Exhibit 21 MVB FINANCIAL CORP. AND SUBSIDIARIES ANNUAL REPORT ON FORM 10-K FOR FISCAL YEAR ENDED DECEMBER 31, 2023 Subsidiaries of MVB Financial Corp.1 Name of Subsidiary Jurisdiction of Incorporation MVB Bank, Inc. West Virginia MVB Insurance, LLC West Virginia Paladin Fraud, LLC West Virginia MVB Technology, LLC West Virginia MVB Edge Ventures, LLC West Virginia Victor Technologies, LLC West Vir

March 13, 2024 EX-10.16

Filed herewith

March 13, 2024 EX-4.2

Filed herewith

Exhibit 4.2 DESCRIPTION OF SECURITIES The following summary of MVB Financial Corp’s common stock is based on and qualified by the Company’s Amended Articles of Incorporation (the “Amended Articles of Incorporation”) For a complete description of the terms and provisions of the Company’s equity securities, including its common stock, refer to the Amended Articles of Incorporation, both of which are

March 13, 2024 EX-10.17

Filed herewith

February 21, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 21, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 21, 2024 EX-99.1

INVESTOR PRESENTATION Q 4 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 4 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

February 20, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 20, 2024 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

February 20, 2024 EX-99.1

MVB Financial Corp. Declares First Quarter 2024 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares First Quarter 2024 Dividend (FAIRMONT, W.Va.) February 20, 2024 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has

February 14, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 14, 2024 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 14, 2024 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2023 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2023 Results (FAIRMONT, WV) February 14, 2024 – 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 fourth quarter and year ended December 31, 2023, with reported net income of $7.9 mil

February 8, 2024 SC 13G/A

MVBF / MVB Financial Corp. / Bay Pond Partners, L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

February 8, 2024 SC 13G/A

MVBF / MVB Financial Corp. / Bay Pond Partners, L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

February 8, 2024 SC 13G/A

MVBF / MVB Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

February 2, 2024 SC 13G

MVBF / MVB Financial Corp. / TimesSquare Capital Management, LLC - SC 13G Passive Investment

SC 13G 1 d744341dsc13g.htm SC 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of l934 (Amendment No.)1 MVB Financial Corp. (Name of Issuer) Common Stock, $1.00 par value (Title of Class of Securities) 553810102 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

December 22, 2023 EX-10.1

Exhibit 10.1

Exhibit 10.1 AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT (“Agreement”), effective as of January 1, 2023 (“Effective Date”), is between MVB Financial Corp., a West Virginia corporation (“MVB”), SPE PR, LLC, a Puerto Rican Domestic Limited Liability Company for Profit (“MVB-PR”), and Larry Mazza (“Executive”) (collectively, the “Partie

December 22, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 21, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

November 21, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2023 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

November 21, 2023 EX-99.1

MVB Financial Corp. Declares Fourth Quarter 2023 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Fourth Quarter 2023 Dividend (FAIRMONT, W.Va.) November 21, 2023 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has

November 7, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Finan

October 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 27, 2023 EX-99.1

INVESTOR PRESENTATION Q 3 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 3 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

October 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 26, 2023 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2023 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2023 Results (FAIRMONT, WV) October 26, 2023 – 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 third quarter of 2023, with reported net income of $3.9 million, or $0.30 basic and $0.29 diluted ear

August 17, 2023 EX-99.1

MVB Financial Corp. Declares Third Quarter 2023 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Third Quarter 2023 Dividend (FAIRMONT, W.Va.) August 17, 2023 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB” or the “Company”) has dec

August 17, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 17, 2023 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 10, 2023 SC 13G/A

MVBF / MVB Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) July 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedu

August 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

August 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 2, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 3, 2023 EX-99.1

INVESTOR PRESENTATION Q 2 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

INVESTOR PRESENTATION Q 2 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

July 27, 2023 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2023 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2023 Results (FAIRMONT, WV) July 27, 2023 – 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 2023, with reported net income of $8.1 million, or $0.64 basic and $0.63 diluted earn

July 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

June 26, 2023 11-K

☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 A.Full title of the plan and addres

June 23, 2023 SC 13G

MVBF / MVB Financial Corp. / Bay Pond Partners, L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) June 13, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule

May 23, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 10, 2023 EX-99.1

MVB Financial Corp. Declares Second Quarter 2023 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Second Quarter 2023 Dividend (FAIRMONT, W.Va.) May 10, 2023 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has decl

May 10, 2023 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

May 10, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 9, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 9, 2023 EX-10.1

Exhibit 10.1

Exhibit 10.1 TERMINATION AGREEMENT This Termination Agreement (this “Agreement”), dated as of May 9, 2023, is entered into by and among Integrated Financial Holdings, Inc., a North Carolina corporation (“IFHI”), MVB Financial Corp., a West Virginia corporation (“MVB”), West Town Bank & Trust, an Illinois state-chartered bank (“West Town Bank”), and MVB Bank, Inc., a West Virginia state-chartered b

May 9, 2023 EX-99.1

MVB Financial Corp. and Integrated Financial Holdings, Inc. Announce Termination of Merger Agreement

Exhibit 99.1 MVB Financial Corp. and Integrated Financial Holdings, Inc. Announce Termination of Merger Agreement (FAIRMONT, W.Va. and RALEIGH, N.C.) May 9, 2023 – MVB Financial Corp. (Nasdaq: MVBF) (“MVB” or “MVB Financial”) and Integrated Financial Holdings, Inc. (OTCQX: IFHI) (“IFHI”), announced today that they have mutually agreed to terminate their previously announced merger agreement dated

May 4, 2023 EX-99.1

INVESTOR PRESENTATION Q 1 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Secti

investorpresentation-mar INVESTOR PRESENTATION Q 1 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

May 4, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 4, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

April 27, 2023 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2023 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces First Quarter 2023 Results (FAIRMONT, WV) April 27, 2023 – 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 first quarter of 2023, with reported net income of $11.3 million, or $0.90 basic and $0.87 diluted earn

April 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

April 3, 2023 DEFR14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) S Defi

March 27, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) £ Definitive Proxy State

March 27, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) S Definitive Proxy State

March 16, 2023 EX-10.18

Filed herewith

exhibit1018-secondamendm

March 16, 2023 EX-10.17

Filed herewith

exhibit1017-limitedconse

March 16, 2023 EX-21

Filed herewith

Exhibit 21 MVB FINANCIAL CORP. AND SUBSIDIARIES ANNUAL REPORT ON FORM 10-K FOR FISCAL YEAR ENDED DECEMBER 31, 2022 Subsidiaries of MVB Financial Corp.1 Name of Subsidiary Jurisdiction of Incorporation MVB Bank, Inc. West Virginia MVB Insurance, LLC West Virginia ProCo Global, Inc., (DBA Chartwell Compliance) West Virginia Paladin Fraud, LLC West Virginia MVB Technology, LLC West Virginia MVB Edge

March 16, 2023 EX-4.2

Filed herewith

Exhibit 4.2 DESCRIPTION OF SECURITIES The following summary of MVB Financial Corp’s common stock is based on and qualified by the Company’s Amended Articles of Incorporation (the “Amended Articles of Incorporation”) For a complete description of the terms and provisions of the Company’s equity securities, including its common stock, refer to the Amended Articles of Incorporation, both of which are

March 16, 2023 10-K

Filed herewith

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38314 MVB Financial C

March 2, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 2, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

March 2, 2023 EX-99.1

INVESTOR PRESENTATION M A R C H 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and

investorpresentation-dec INVESTOR PRESENTATION M A R C H 2 0 2 3 M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

March 1, 2023 EX-99.1

MVB Completes Sale of Chartwell to Ankura

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Completes Sale of Chartwell to Ankura (FAIRMONT, W.Va.) March 1, 2023 – MVB Bank, Inc. (“MVB Bank”), a wholly-owned subsidiary of MVB Financial Corp. (“MVB Financial,” “MVB”

March 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 1, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

February 17, 2023 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2022 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Fourth Quarter and Full Year 2022 Results (FAIRMONT, WV) February 17, 2023 – 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 fourth quarter and year ended December 31, 2022, with reported net income of $6.5 mil

February 17, 2023 EX-99.1

MVB Financial Corp. Declares First Quarter 2023 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares First Quarter 2023 Dividend (FAIRMONT, W.Va.) February 17, 2023 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) has

February 17, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 17, 2023 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

February 17, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 17, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 6, 2023 SC 13G

MVBF / MVB Financial Corp / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* MVB Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 553810102 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to des

February 3, 2023 SC 13G

MVBF / MVB Financial Corp / TimesSquare Capital Management, LLC - SC 13G Passive Investment

SC 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of l934 (Amendment No.)1 MVB Financial Corp. (Name of Issuer) Common Stock, $1.00 par value (Title of Class of Securities) 553810102 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which

January 31, 2023 EX-3.1

Articles of Amendment to Articles of Incorporation of MVB Financial Corp. (incorporated by reference to Exhibit 3.1 of the Company’s Current Report on Form 8-K, filed January 31, 2023).

Exhibit 3.1 ARTICLES OF AMENDMENT TO ARTICLES OF INCORPORATION OF MVB FINANCIAL CORP. Pursuant to the provisions of Section 1006, Article 10, Chapter 31D of the Code of West Virginia, the undersigned corporation hereby adopts the following Articles of Amendment to its Articles of Incorporation: FIRST: The name of the corporation is MVB Financial Corp. SECOND: The following amendment to the Article

January 31, 2023 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 26, 2023 EX-99.1

MVB Financial Corp. and Integrated Financial Holdings, Inc. Announce Shareholder Approval of Merger Agreement

Exhibit 99.1 MVB Financial Corp. and Integrated Financial Holdings, Inc. Announce Shareholder Approval of Merger Agreement (FAIRMONT, W.Va. and RALEIGH, N.C.) January 26, 2023 – MVB Financial Corp. (Nasdaq: MVBF) (“MVB” or “MVB Financial”) and Integrated Financial Holdings, Inc. (OTCQX: IFHI) (“IFHI”), jointly announced today that each has received shareholder approval of the Agreement and Plan of

January 24, 2023 S-3DPOS

As filed with the Securities and Exchange Commission on January 24, 2023. SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Post-Effective Amendment No. 4 FORM S-3 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 MVB FINANCIAL CORP. (Exact n

Table of Contents Registration No. 333-180317 As filed with the Securities and Exchange Commission on January 24, 2023. SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Post-Effective Amendment No. 4 to FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 20-0034461 (State or jurisdiction

January 19, 2023 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 19, 2023 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 18, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 19, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 18, 2023 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 18, 2023 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

December 15, 2022 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 1, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorp

December 15, 2022 EX-99.1

CalCon Mutual Mortgage LLC December 31, 2021 and 2020 Audited Consolidated Financial Statements SPIEGEL ACCOUNTANCY CORP 2300 Contra Costa Blvd., Suite 425 • Pleasant Hill, CA 94523 • Phone (925) 977-4000 • Fax (925) 363-3370

Exhibit 99.1 CalCon Mutual Mortgage LLC December 31, 2021 and 2020 Audited Consolidated Financial Statements SPIEGEL ACCOUNTANCY CORP 2300 Contra Costa Blvd., Suite 425 ? Pleasant Hill, CA 94523 ? Phone (925) 977-4000 ? Fax (925) 363-3370 CalCon Mutual Mortgage LLC Table of Contents Years Ended December 31, 2021 and 2020 Independent Auditor?s Report 1 - 3 Consolidated Balance Sheets 4 Consolidated

December 15, 2022 EX-99.4

ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS SEPTEMBER 30, 2022

Exhibit 99.4 ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS SEPTEMBER 30, 2022 ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS SEPTEMBER 30, 2022 Table of Contents FINANCIAL STATEMENTS: Statement of Financial Position 1 Statement of Operations 2 Statement of Changes in Members? Equity 3 Statement of Cash Flows 4 NOTES TO FINANCIAL STATEMENTS 5-6 ONETRUST INTERNATIONAL LLC STATEMENT OF FINANCIAL P

December 15, 2022 EX-99.5

MVB Financial Corp. Unaudited Pro Forma Consolidated Balance Sheet and Statements of Income

Exhibit 99.5 MVB Financial Corp. Unaudited Pro Forma Consolidated Balance Sheet and Statements of Income The unaudited pro forma consolidated balance sheet assumes that MVB Financial Corp.?s (?MVB?) investment in Warp Speed Holdings LLC (?Warp Speed?) occurred on September 30, 2022 and the unaudited pro forma consolidated statements of income assume that MVB?s investment in Warp Speed occurred on

December 15, 2022 EX-99.2

CalCon Mutual Mortgage LLC September 30, 2022 Consolidated Financial Statements

Exhibit 99.2 CalCon Mutual Mortgage LLC September 30, 2022 Consolidated Financial Statements Calcon Mutual Mortgage LLC Consolidated Balance Sheets Consolidated Balance Sheet 1 Consolidated Statement of Income and Expense 2 Consolidated Statement of Changes in Members? Equity 3 Consolidated Statement of Cash Flows 4 Notes to Financial Statements 5 - 14 Calcon Mutual Mortgage LLC Consolidated Balan

December 15, 2022 EX-99.3

ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS TOGETHER WITH INDEPENDENT AUDITOR’S REPORT DECEMBER 31, 2021 35 Juan C: Borbon, Suite 67-319, Guaynabo, PR 00969 • Tel (787) 448-5970 • Fax (787) 919-0144 E-mail: mgutierrezcpa@gmaiLcom

Exhibit 99.3 MARCELO R. GUTIERREZ SUAREZ Certified Public Accountant & Consultant ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS TOGETHER WITH INDEPENDENT AUDITOR?S REPORT DECEMBER 31, 2021 35 Juan C: Borbon, Suite 67-319, Guaynabo, PR 00969 ? Tel (787) 448-5970 ? Fax (787) 919-0144 E-mail: mgutierrezcpa@gmaiLcom ONETRUST INTERNATIONAL LLC FINANCIAL STATEMENTS DECEMBER 31, 2021 Table of Contents

December 12, 2022 424B3

To the Shareholders of MVB Financial Corp. and Integrated Financial Holdings, Inc. MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS Filed Pursuant to 424(b)(3) Registration No. 333-268098 ? ? ? ? ? To the Shareholders of MVB Financial Corp. and Integrated Financial Holdings, Inc. MERGER PROPOSED?YOUR VOTE IS VERY IMPORTANT On behalf of the boards of directors of MVB Financial Corp. (?MVB?) and Integrated Financial Holdings, Inc. (?IFH?), we are pleased to enclose the accompanying joint proxy statement/prospec

December 8, 2022 EX-99.2

EX-99.2

EX-99.2 8 ny20005581x2ex99-2.htm EXHIBIT 99.2 Exhibit 99.2

December 8, 2022 EX-99.3

CONSENT OF STEPHENS INC.

Exhibit 99.3 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of MVB Financial Corp. (the “Company”) as an Appendix to the Proxy Statement/Prospectus relating to the proposed merger of Integrated Financial Holdings, Inc. with and into MVB Financial Corp. contained in the Registration Statement on Form S-4, as filed with the Securities and

December 8, 2022 EX-99.1

234567 234567 234567 234567 234567 234567 1 OF 1 1 NAME THE COMPANY NAME INC. - COMMON THE COMPANY NAME INC. - CLASS A THE COMPANY NAME INC. - CLASS B THE COMPANY NAME INC. - CLASS C THE COMPANY NAME INC. - CLASS D THE COMPANY NAME INC. - CLASS E THE

Exhibit 99.1 234567 234567 234567 234567 234567 234567 1 OF 1 1 NAME THE COMPANY NAME INC. - COMMON THE COMPANY NAME INC. - CLASS A THE COMPANY NAME INC. - CLASS B THE COMPANY NAME INC. - CLASS C THE COMPANY NAME INC. - CLASS D THE COMPANY NAME INC. - CLASS E THE COMPANY NAME INC. - CLASS F THE COMPANY NAME INC. - 401 K x 02 0000000000 JOB # 2 1 OF 123,456,789,012.12345 123,456,789,012.12345 123,4

December 8, 2022 CORRESP

WSFS Bank Center

CORRESP 1 filename1.htm WSFS Bank Center 500 Delaware Avenue Wilmington, DE 19801 Via EDGAR December 8, 2022 Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549-4628 Attn: Jessica Livingston Re: MVB Financial Corp. Amendment No. 1 to Registration on Form S-4 Filed December 8, 2022 File No. 333-268098 Ladies and Gentlemen: Pursuant to Rule 46

December 8, 2022 EX-99.4

Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (“Raymond James”) consents to (i) the inclusion and description of our opinion letter dated August 10, 2022 to the Board of Directors of Integrated Financial Holdings, Inc.

Exhibit 99.4 Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (“Raymond James”) consents to (i) the inclusion and description of our opinion letter dated August 10, 2022 to the Board of Directors of Integrated Financial Holdings, Inc. (the “Company”) included as Annex C to the joint proxy statement/prospectus relating to the proposed merger of the Company with MVB Finan

December 8, 2022 S-4/A

As filed with the Securities and Exchange Commission on December 8, 2022

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on December 8, 2022 Registration No.

November 16, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2022 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

November 16, 2022 EX-99.1

MVB Financial Corp. Declares Fourth Quarter 2022 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Fourth Quarter 2022 Dividend (FAIRMONT, W.Va.) November 16, 2022 ? MVB Financial Corp. (NASDAQ: MVBF) (?MVB Financial,? ?MVB,? or the ?Company?) has

November 8, 2022 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ? TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Finan

November 2, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 2, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

November 2, 2022 EX-99.1

INVESTOR PRESENTATION Q 3 U P D A T E M V B – F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and S

INVESTOR PRESENTATION Q 3 U P D A T E M V B ? F 1 : S U C C E S S L O V E S S P E E D MVB Financial Corp.

November 1, 2022 S-4

As filed with the Securities and Exchange Commission on November 1, 2022

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on November 1, 2022 Registration No.

November 1, 2022 EX-4.1

EX-4.1

Exhibit 4.1

November 1, 2022 EX-99.4

Consent of Raymond James & Associates, Inc.

Exhibit 99.4 Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (?Raymond James?) consents to (i) the inclusion and description of our opinion letter dated August 10, 2022 to the Board of Directors of Integrated Financial Holdings, Inc. (the ?Company?) included as Annex C to the joint proxy statement/prospectus relating to the proposed merger of the Company with MVB Finan

November 1, 2022 EX-99.3

CONSENT OF STEPHENS INC.

Exhibit 99.3 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of MVB Financial Corp. (NASDAQ: MVBF) (the ?Company?) as an Annex to the Joint Proxy Statement/Prospectus relating to the proposed merger of Integrated Financial Holdings, Inc. (OTCQX: IFHI) with and into MVB Financial Corp. contained in the Registration Statement on Form S-4, a

November 1, 2022 EX-FILING FEES

Calculation of Filing Fee Tables Form S-4 (Form Type) MVB Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) MVB Financial Corp.

October 31, 2022 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2022 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Third Quarter 2022 Results (FAIRMONT, WV) October 31, 2022 ? 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 third quarter of 2022, with reported net income of $2.7 million, or $0.22 basic and $0.21 diluted ear

October 31, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 19, 2022 EX-99.1

MVB Financial Corp. Names Jan L. Owen as Director

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Names Jan L. Owen as Director (FAIRMONT, W.Va.) Oct. 19, 2022 ? The Board of Directors of MVB Financial Corp. (?MVBF? or ?MVB Financial?) (Nasdaq: MVBF) has

October 19, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 18, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissi

October 11, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 7, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

October 11, 2022 EX-10.1

Credit Agreement, dated as of October 7, 2022, between MVB Financial Corp., as Borrower, and Raymond James Bank, as Lender.

EX-10.1 Exhibit 10.1 CREDIT AGREEMENT DATED AS OF OCTOBER 7, 2022 BETWEEN MVB FINANCIAL CORP., AS BORROWER AND RAYMOND JAMES BANK, AS LENDER ARTICLE I DEFINITIONS AND OTHER TERMS 1 1.1 Defined Terms. 1 1.1 UCC Defined Terms 17 1.2 Payments on Business Days 17 1.3 Other Definitional Provisions 17 1.4 Times of Day 18 ARTICLE II THE CREDITS 18 2.1 Term Loan Facility 18 2.2 Borrowing 18 2.3 Prepayment

October 3, 2022 EX-99.1

MVB Financial Corp. Completes Execution of Strategic Minority Investment in Warp Speed Holdings LLC

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Completes Execution of Strategic Minority Investment in Warp Speed Holdings LLC (FAIRMONT, W.Va.) Oct. 3, 2022 ? MVB Financial Corp. (Nasdaq: MVBF) (?MVB? or

October 3, 2022 8-K

Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 1, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commissio

September 14, 2022 EX-99.1

MVB Financial Corp. to Appoint Steven E. Crouse as Chief Financial Officer

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. to Appoint Steven E. Crouse as Chief Financial Officer (FAIRMONT, W.Va.) September 14, 2022 ? In connection with the previously announced definitive merger a

September 14, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 14, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commis

August 25, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 25, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 25, 2022 EX-99.1

W. Marston Becker Named Chairman of the MVB Financial Corp. Board of Directors

Exhibit 99.1 MEDIA CONTACT NEWS RELEASE Amy Baker VP, Corporate Communications & Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 W. Marston Becker Named Chairman of the MVB Financial Corp. Board of Directors (FAIRMONT, W.Va.) August 25, 2022 ? The Board of Directors of MVB Financial Corp. (?MVBF? or ?MVB Financial?)

August 18, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 17, 2022 MVB Financial Corp (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 18, 2022 EX-99.1

MVB Financial Corp. Declares Third Quarter 2022 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Third Quarter 2022 Dividend (FAIRMONT, W.Va.) August 17, 2022 ? MVB Financial Corp. (NASDAQ: MVBF) (?MVB Financial,? ?MVB,? or the ?Company?) has de

August 15, 2022 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 15, 2022 EX-2.1

Form 8-K, File No. 001-38314, filed August 15, 2022, and incorporated by reference herein

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER AND REORGANIZATION by and between MVB Financial Corp. and Integrated Financial Holdings, Inc. Dated as of August 12, 2022 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 1.1 The Merger 1 1.2 Effective Time 2 1.3 Effects of the Merger 2 1.4 Conversion of Company Common Stock 2 1.5 Appraisal Rights 3 1.6 Treatment of Company Preferred Stock 4 1.7 Purchaser Comm

August 15, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 12, 2022 EX-99.1

N E W S R E L E A S E

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Announces Merger with Integrated Financial Holdings Synergy Fuels Government Guaranteed Lending Growth Vehicle (FAIRMONT, W.Va.) August 12, 2022 ? MVB Financ

August 12, 2022 EX-99.1

N E W S R E L E A S E

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Announces Merger with Integrated Financial Holdings Synergy Fuels Government Guaranteed Lending Growth Vehicle (FAIRMONT, W.Va.) August 12, 2022 ? MVB Financ

August 12, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 12, 2022 425

******************************************************************************

Filed by: MVB Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934, as amended Subject Company: MVB Financial Corp. Filer?s Commission File No.: 001-38314 Date: August 12, 2022 Team MVB, We continue to focus on key growth initiatives as part of our MVB-F1: Success Loves Speed Strategic Plan

August 12, 2022 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 12, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 12, 2022 EX-99.2

Thispresentation includes“forward-lookingstatements”within themeaningofthePrivateSecuritiesLitigationReformActof1995,Section 27AoftheSecurities Actof1933,asamended,and Section 21E of the Securities Exchange Act of 1934, as amended, with respect toMVB

Exhibit 99.2 Thispresentation includes?forward-lookingstatements?within themeaningofthePrivateSecuritiesLitigationReformActof1995,Section 27AoftheSecurities Actof1933,asamended,and Section 21E of the Securities Exchange Act of 1934, as amended, with respect toMVB?s andIFHI?s beliefs, goals, intentions, and expectations regarding the proposed transaction, pro forma financial results, future operati

August 12, 2022 EX-99.2

Thispresentation includes“forward-lookingstatements”within themeaningofthePrivateSecuritiesLitigationReformActof1995,Section 27AoftheSecurities Actof1933,asamended,and Section 21E of the Securities Exchange Act of 1934, as amended, with respect toMVB

Exhibit 99.2 Thispresentation includes?forward-lookingstatements?within themeaningofthePrivateSecuritiesLitigationReformActof1995,Section 27AoftheSecurities Actof1933,asamended,and Section 21E of the Securities Exchange Act of 1934, as amended, with respect toMVB?s andIFHI?s beliefs, goals, intentions, and expectations regarding the proposed transaction, pro forma financial results, future operati

August 12, 2022 425

Project Grand Prix Questions & Answers for Team MVB (Intended for internal use only. This document contains confidential and proprietary information of MVB Financial Corp. Unauthorized use, duplication, dissemination or disclosure to third parties is

Filed by: MVB Financial Corp. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934, as amended Subject Company: MVB Financial Corp. Filer?s Commission File No.: 001-38314 Date: August 12, 2022 Project Grand Prix Questions & Answers for Team MVB (Intended for internal use only. This document contains confid

August 8, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

August 1, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

August 1, 2022 EX-99.1

INVESTOR PRESENTATION Q 2 U P D A T E M V B – F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and

INVESTOR PRESENTATION Q 2 U P D A T E M V B ? F 1 : S U C C E S S L O V E S S P E E D 2 MVB Financial Corp.

August 1, 2022 EX-99.1

N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2022 Results

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corp. Announces Second Quarter 2022 Results (FAIRMONT, WV) August 1, 2022 ? 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 2022, with reported net income of $3.0 million, or $0.24 basic and $0.23 diluted ear

August 1, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

July 21, 2022 S-8

As filed with the Securities and Exchange Commission on July 21, 2022

As filed with the Securities and Exchange Commission on July 21, 2022 Registration No.

July 21, 2022 EX-FILING FEES

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Table S-8 (Form Type) MVB Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered(1) Proposed Maximum Offering Price Per Share Maximum Aggregate Offering Price(2) Fee Rate Amount of Registration Fee Equity Common Stock,

June 28, 2022 11-K

☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 or ? TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 A. Full title of th

June 6, 2022 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

June 6, 2022 EX-16.1

June 6, 2022

Exhibit 16.1 June 6, 2022 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated June 6, 2022 of MVB Financial Corp. and Subsidiaries and are in agreement with the statements therein concerning Dixon Hughes Goodman LLP, BKD, LLP and FORVIS, LLP. We have no basis to agree or disagree with other statements of the r

May 18, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission F

May 18, 2022 EX-99.1

MVB Financial Corp. Declares Second Quarter 2022 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Second Quarter 2022 Dividend (FAIRMONT, W.Va.) May 18, 2022 ? MVB Financial Corp. (NASDAQ: MVBF) (?MVB Financial,? ?MVB,? or the ?Company?) has decl

May 2, 2022 10-Q

Exhibit 101.INS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number: 001-38314 MVB Financial

May 2, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission Fi

May 2, 2022 EX-99.1

N E W S R E L E A S E MVB Financial Corporation Announces First Quarter 2022 Results

EX-99.1 2 q12022earningsrelease.htm EX-99.1 Exhibit 99.1 N E W S R E L E A S E MVB Financial Corporation Announces First Quarter 2022 Results (FAIRMONT, WV) May 2, 2022 – 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 first quarter of 2022, with reported net income of $2.9

April 7, 2022 DEF 14A

MVB Financial Corp. 2022 Stock Incentive Plan (incorporated by reference to Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A (File No. 001-38314) filed with the Securities and Exchange Commission on April 7, 2022)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) S Definitive Proxy State

April 7, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive Proxy State

March 14, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 13, 2022 MVB FINANCIAL CORP. (Exact name of registrant as specified in its charter) WV 000-50567 20-0034461 (State or Other Jurisdiction of Incorporation) (Commission File Numbe

March 14, 2022 EX-10.1

Form 8-K, File No. 001-38314, filed March 14, 2022, and incorporated by reference herein

Exhibit 10.1 *Certain schedules and exhibits to this exhibit have been omitted pursuant to Item 601(a)(5) or Item 601(b)(10)(iv), as applicable, of Regulation S-K. EQUITY PURCHASE AGREEMENT THIS EQUITY PURCHASE AGREEMENT (this ?Agreement?), is made as of March 13, 2022 (the ?Agreement Date?), between Warp Speed Holdings LLC, a Wyoming limited liability company (the ?Company?) and MVB Bank, Inc., a

March 14, 2022 EX-99.1

1 INVESTOR DAY 2 0 2 2 • L A S V E G A S 2 Forward-Looking Statements MVB Financial Corp. (“MVB” or the “Company”) has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of th

1 INVESTOR DAY 2 0 2 2 ? L A S V E G A S 2 Forward-Looking Statements MVB Financial Corp.

March 14, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 14, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commission

March 14, 2022 EX-99.1

MVB Financial Corp. Announces Strategic Minority Investment in Warp Speed Holdings LLC

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Announces Strategic Minority Investment in Warp Speed Holdings LLC (FAIRMONT, W.Va.) March 14, 2022 ? MVB Financial Corp. (Nasdaq: MVBF) (?MVB? or the ?Company?), the

March 10, 2022 10-K

Filed herewith

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38314 MVB Financial C

March 10, 2022 EX-4.3

Exhibit 4.3

Exhibit 4.3 DESCRIPTION OF SECURITIES The following summary of MVB Financial Corp?s common stock is based on and qualified by the Company?s Amended Articles of Incorporation (the ?Amended Articles of Incorporation?) For a complete description of the terms and provisions of the Company?s equity securities, including its common stock, refer to the Amended Articles of Incorporation, both of which are

March 10, 2022 EX-21

Filed herewith

Exhibit 21 MVB FINANCIAL CORP. AND SUBSIDIARIES ANNUAL REPORT ON FORM 10-K FOR FISCAL YEAR ENDED DECEMBER 31, 2021 Subsidiaries of MVB Financial Corp.1 Name of Subsidiary Jurisdiction of Incorporation MVB Bank, Inc. West Virginia MVB Insurance, LLC West Virginia MVB Community Development Corporation West Virginia ProCo Global, Inc., (DBA Chartwell Compliance) West Virginia Paladin Fraud, LLC West

February 25, 2022 SC 13G/A

MVBF / MVB Financial Corp / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5) MVB Financial Corp. (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 553810102 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 17, 2022 EX-99.1

N E W S R E L E A S E MVB Financial Corporation Announces Fourth Quarter Results and Record Earnings for Year-End 2021

Exhibit 99.1 N E W S R E L E A S E MVB Financial Corporation Announces Fourth Quarter Results and Record Earnings for Year-End 2021 (FAIRMONT, WV) February 17, 2022 ? 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 fourth quarter and year ended December 31, 2021, with report

February 17, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 17, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 16, 2022 EX-99.1

MVB Financial Corp. Declares First Quarter 2022 Dividend

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares First Quarter 2022 Dividend (FAIRMONT, W.Va.) February 16, 2022 ? MVB Financial Corp. (NASDAQ: MVBF) (?MVB Financial,? ?MVB,? or the ?Company?) has

February 16, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

February 11, 2022 SC 13G

MVBF / MVB Financial Corp / TimesSquare Capital Management, LLC - SC 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of l934 (Amendment No.)1 MVB Financial Corp. (Name of Issuer) Common Stock, $1.00 par value (Title of Class of Securities) 553810102 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sc

January 27, 2022 EX-99.1

MVB Announces Executive Management Structural Changes

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Announces Executive Management Structural Changes (FAIRMONT, W.Va.) January 27, 2022 ? The Board of Directors of MVB Financial Corp. (?MVBF? or ?MVB Financial?) (Nasdaq: MVB

January 27, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 000-50567 20-0034461 (State or other jurisdiction of incorporation) (Commissi

January 20, 2022 EX-99.1

MVB Financial Corp. Names Dan Holt as Director

Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Names Dan Holt as Director (FAIRMONT, W.Va.) January 20, 2022 ? The Board of Directors of MVB Financial Corp. (?MVB? or ?MVB Financial?) (Nasdaq: MVBF) has a

January 20, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 20, 2022 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 000-50567 20-0034461 (State or other jurisdiction of incorporation) (Commissi

December 10, 2021 CORRESP

MVB FINANCIAL CORP. 301 Virginia Avenue Fairmont, West Virginia 26554 (304) 363-4800 December 10, 2021

MVB FINANCIAL CORP. 301 Virginia Avenue Fairmont, West Virginia 26554 (304) 363-4800 December 10, 2021 VIA EDGAR Division of Corporation Finance United States Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: MVB Financial Corp. Registration Statement on Form S-3 File No. 333-261539 Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amend

December 8, 2021 S-3

As filed with the Securities and Exchange Commission on December 8, 2021.

Table of Contents As filed with the Securities and Exchange Commission on December 8, 2021.

December 8, 2021 EX-4.1

Form S-3 Registration Statement, File No. 001-38314, filed December 8, 2021, and incorporated by reference herein

Exhibit 4.1 00010543C1MVBF I COlICUSIC0000016284 I CAPIN10263100262501111 I THIS CERTIFIES that is the owner of MVB Financial Corp. ORGANIZED UNDER THE LAWS OF THE STATE OF WEST VIRGINIA COMMON STOCK COMPUTERSHARE SHAREHOLDER SERVICES INC 250 ROYALL ST CANTON MA 02021 **ONE** CUSIP 553810 10 2 SEE REVERSE FOR CERTAIN DEFINITIONS ************1***** *************1**** **************1*** ************

December 8, 2021 EX-4.5

Form of Subordinated Indenture.

Exhibit 4.5 MVB FINANCIAL CORP. Issuer to Trustee SUBORDINATED INDENTURE Dated as of Subordinated Debt Securities TABLE OF CONTENTS ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 9 Section 1.03 Form of Documents Delivered to Trustee 9 Section 1.04 Acts of Holders 9 Section 1.05 Notices, Etc., to Tru

December 8, 2021 EX-4.6

Form of Senior Indenture.

Exhibit 4.6 MVB FINANCIAL CORP. Issuer to Trustee SENIOR INDENTURE Dated as of Senior Debt Securities TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 7 Section 1.03 Form of Documents Delivered to Trustee 7 Section 1.04 Acts of Holders 8 Section 1.05 Notices, Etc., to Trustee an

November 17, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2021 MVB Financial Corp. (Exact name of registrant as specified in its charter) West Virginia 001-38314 20-0034461 (State or other jurisdiction of incorporation) (Commiss

November 17, 2021 EX-99.1

MVB Financial Corp. Declares Fourth Quarter 2021 Dividend

EX-99.1 2 q42021cashdividendpressrel.htm EX-99.1 Exhibit 99.1 N E W S R E L E A S E MEDIA CONTACT Amy Baker VP, Corporate Communications and Marketing MVB Bank [email protected] (844) 682-2265 INVESTOR RELATIONS Marcie Lipscomb [email protected] (844) 682-2265 MVB Financial Corp. Declares Fourth Quarter 2021 Dividend (FAIRMONT, W.Va.) November 17, 2021 – MVB Financial Corp. (NASDAQ: MVB

November 4, 2021 EX-99.1

Exhibit 99.1

Exhibit 99.1

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