Mvb Financial (NASDAQ:MVBF) and Capitol Federal Financial (NASDAQ:CFFN) Head to Head Analysis

Capitol Federal Financial (NASDAQ:CFFN) and Mvb Financial (NASDAQ:MVBF) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, analyst recommendations, profitability, risk, earnings, dividends and institutional ownership.

Analyst Ratings

This is a breakdown of current recommendations for Capitol Federal Financial and Mvb Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Capitol Federal Financial	0	3	1	1	2.60
Mvb Financial	0	2	4	0	2.67

Capitol Federal Financial presently has a consensus price target of $9.25, indicating a potential upside of 5.11%. Mvb Financial has a consensus price target of $32.75, indicating a potential upside of 4.57%. Given Capitol Federal Financial’s higher probable upside, research analysts clearly believe Capitol Federal Financial is more favorable than Mvb Financial.

Insider and Institutional Ownership

88.5% of Capitol Federal Financial shares are held by institutional investors. Comparatively, 52.7% of Mvb Financial shares are held by institutional investors. 2.8% of Capitol Federal Financial shares are held by insiders. Comparatively, 9.9% of Mvb Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Capitol Federal Financial and Mvb Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Capitol Federal Financial	18.69%	8.01%	0.85%
Mvb Financial	17.53%	2.86%	0.29%

Valuation & Earnings

This table compares Capitol Federal Financial and Mvb Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Capitol Federal Financial	$420.24 million	2.63	$68.03 million	$0.65	13.54
Mvb Financial	$200.74 million	2.02	$26.94 million	$2.96	10.58

Capitol Federal Financial has higher revenue and earnings than Mvb Financial. Mvb Financial is trading at a lower price-to-earnings ratio than Capitol Federal Financial, indicating that it is currently the more affordable of the two stocks.

Dividends

Capitol Federal Financial pays an annual dividend of $0.34 per share and has a dividend yield of 3.9%. Mvb Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.2%. Capitol Federal Financial pays out 52.3% of its earnings in the form of a dividend. Mvb Financial pays out 23.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk and Volatility

Capitol Federal Financial has a beta of 0.68, suggesting that its share price is 32% less volatile than the S&P 500. Comparatively, Mvb Financial has a beta of 0.81, suggesting that its share price is 19% less volatile than the S&P 500.

Summary

Capitol Federal Financial beats Mvb Financial on 11 of the 17 factors compared between the two stocks.

About Capitol Federal Financial

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, construction loans, and small business loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; credit cards; mortgage loan; operates a call center; and invests in various securities. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

About Mvb Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.