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~~January 1928, ~~2025~~2026


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 File Number)	(IRS Employer Identification No.)


301 Virginia Avenue, Fairmont, WV			26554-2777
(Address of principal executive offices)			(Zip Code)


(304) 363-4800
(Registrant's telephone number, including area code)

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, $1.00 par value

MVBF

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. Regulation FD Disclosure.

On ~~November~~January 1928, ~~2025~~2026, MVB Financial Corp., ~~issued~~the aholding ~~press~~company ~~release~~for ~~announcing~~MVB ~~that~~Bank ~~its~~Inc., ~~Board~~gave notice of ~~Directors~~its ~~has~~intent ~~declared~~to aredeem ~~quarterly~~all ~~cash dividend~~ of the $40.0 million aggregate principal amount of its 4.1725% ~~per~~Fixed-to-Floating ~~share~~Rate Subordinated Notes due 2030 (the “Notes”). The redemption price for the Notes will be equal to ~~shareholders~~100% of ~~record~~the onprincipal ~~December~~amount of the Notes redeemed, plus any accrued and unpaid interest to, but excluding, the redemption date, anticipated to be March 1, ~~2025~~2026. In accordance with the terms of the Notes, ~~payable~~holders ~~December~~will 15receive notice of the redemption, ~~2025~~the redemption price and further instructions and details related to the process of such redemption.

~~This~~The isinformation ~~the~~furnished ~~fourth~~by ~~quarterly~~MVB ~~dividend~~pursuant to this Item 7.01, shall not be deemed “filed” for ~~2025~~purposes of Section 18 of the Securities Exchange Act of 1934, ~~maintaining~~as amended, (the ~~dividend~~“Exchange ~~declared~~Act”) inor otherwise subject to the ~~previous~~liability ~~quarter.~~of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

99.1 Press release of MVB Financial Corp. dated November 19, 2025

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.


			MVB Financial Corp.
			By:			/s/ Michael R. Sumbs
						Michael R. Sumbs Executive Vice President and Chief Financial Officer

Date: ~~November~~January 1928, ~~2025~~2026

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