The First Bancorp, Inc. (FNLC) vs MVB Financial Corp. (MVBF)
A side-by-side comparison of The First Bancorp, Inc. and MVB Financial Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FNLC vs MVBF
growth of $100 · dividends reinvested · last 10yFNLC vs MVBF: by the numbers
- •MVBF is the larger company ($385M vs $383M market cap).
- •FNLC trades at the lower trailing earnings multiple (10.08 vs 10.13 P/E), one valuation lens rather than an overall verdict.
- •FNLC converts more revenue to profit (21.66% vs 17.71% net margin).
- •MVBF grew revenue faster over the past five years (16.76% vs 13.03% CAGR).
- •FNLC pays the higher dividend yield (4.38% vs 2.27%).
Metrics side by side
Valuation
| Metric | FNLC | MVBF |
|---|---|---|
| P/E ratio | 10.08 | 10.13 |
| Forward P/E | N/A | 15.20 |
| PEG ratio | 2.31 | N/A |
| P/S ratio | 2.19 | 1.76 |
| P/B ratio | 1.31 | 1.12 |
Profitability
| Metric | FNLC | MVBF |
|---|---|---|
| Operating margin | 23.76% | 13.63% |
| Net margin | 21.66% | 17.71% |
| ROE | 12.91% | 11.26% |
The First Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
MVB Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FNLC | MVBF |
|---|---|---|
| Dividend yield | 4.38% | 2.27% |
| Payout ratio | 44.51% | 22.97% |
Growth (annualized)
| Metric | FNLC | MVBF |
|---|---|---|
| Revenue CAGR (5Y) | 13.03% | 16.76% |
| EPS CAGR (5Y) | 4.40% | -7.58% |
| Total return CAGR (5Y) | 8.19% | -4.48% |
Frequently asked
- Which has the lower trailing P/E, FNLC or MVBF?
- FNLC has the lower trailing P/E: FNLC trades at 10.08 and MVBF at 10.13. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FNLC or MVBF?
- Over the past five years, MVBF grew revenue faster — FNLC at a 13.03% CAGR versus MVBF at 16.76%.
- Does FNLC or MVBF pay a bigger dividend?
- FNLC yields 4.38% and MVBF yields 2.27% based on trailing dividends and the latest price.
- Is FNLC or MVBF more profitable?
- FNLC runs the higher net margin — FNLC at 21.66% versus MVBF at 17.71%.
- How have FNLC and MVBF total returns compared?
- Over the past 10 years, FNLC delivered 9.00% and MVBF delivered 11.36% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
First Bancorp & MVB Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.