MVB Financial Furnishes Investor Presentation Slides in Regulatory Disclosure

Presentation Materials Made Available to Investor Community

MVB Financial Corp. disclosed that it has prepared presentation slides designed for use in investor meetings and communications. The slides were furnished to the Securities and Exchange Commission on July 28, 2026, the same date the company made them available to the broader investor community. According to the disclosure, the materials serve as a tool for management to communicate company information, strategy, and operational updates during investor engagements such as conferences, roadshows, or one-on-one meetings with institutional and retail investors.

The company stated that these slides will be accessible on its dedicated investor relations website at ir.mvbbanking.com. By making the presentation materials available through this centralized location, MVB Financial enables investors to review corporate messaging and key talking points at their convenience. This approach reflects standard practice among publicly traded companies seeking to ensure consistent, controlled distribution of corporate information to capital markets participants.

Regulation FD Filing Structure and Liability Limitations

MVB Financial disclosed the presentation materials through Item 7.01 of its current report filing, which covers regulatory fair disclosure items that companies are required to make public simultaneously to all investors. By choosing this disclosure mechanism rather than incorporating the slides directly into a formally filed document, the company applied specific liability protections established under securities regulations. The company explicitly stated that the information furnished under Item 7.01, including the presentation slides, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934.

This classification has significant legal implications for investors and the company. When materials are not considered "filed" under Section 18, they are not subject to the liability provisions of that section, which means investors have limited legal recourse for misstatements contained in the slides. Additionally, MVB Financial clarified that the materials shall not be deemed incorporated by reference into any other filing under the Securities Act of 1933 or the Securities Exchange Act of 1934. This language protects the company from having presentation content inadvertently become part of its formal periodic filings or proxy statements.

Exhibit Details and Document Structure

The disclosure identifies the presentation materials as Exhibit 99.1 to the current report filing. This designation follows standard SEC procedures for attaching supplemental documents to regulatory filings. The company also included Interactive Data File documentation as required by SEC rules, which allows the filing to be processed and displayed through the SEC's EDGAR system and maintains consistency with current disclosure technology standards.

By formatting the presentation materials as an exhibit rather than incorporating content directly into the narrative sections of the filing, MVB Financial maintained clear documentation while limiting formal liability exposure. This structure is commonly used by public companies when furnishing marketing materials, investor presentations, or other supplementary information that supports but does not constitute core regulatory disclosure.

Investor Relations Communication Strategy

The availability of presentation slides through both the regulatory filing system and the company's dedicated investor relations website reflects a dual-channel approach to investor communication. MVB Financial's decision to file these materials with the SEC, rather than simply posting them to its website, demonstrates a commitment to transparency and regulatory compliance. By filing through the SEC's EDGAR system, the company ensures that institutional investors, research analysts, and the general investing public all have simultaneous and equal access to the materials.

The company's investor relations website at ir.mvbbanking.com serves as the primary hub for ongoing access to these slides. This allows investors to review presentation materials at any time without requiring direct SEC EDGAR access, potentially broadening the audience reach. The dual posting of materials—through both regulatory filings and company-hosted platforms—has become standard practice among publicly traded financial institutions seeking to maintain open communication with capital markets participants.

Financial Services Sector Context for Investor Communications

MVB Financial Corp. operates in the financial services industry, where investor communications and transparent disclosure practices are subject to heightened regulatory scrutiny. Banks and financial holding companies face oversight from both the SEC and banking regulators, making the careful management of investor presentations particularly important. The company's approach of formally disclosing presentation materials through regulatory channels reflects awareness of these compliance obligations.

For financial services companies, investor presentation materials often address topics such as lending portfolio composition, deposit growth, interest rate risk management, capital adequacy ratios, and strategic initiatives. By furnishing these slides through a regulatory filing, MVB Financial ensures that all presentation materials distributed to investors meet compliance standards and are subject to appropriate disclosure governance, even though the company has limited liability for their contents under Section 18 of securities law.

Signature Authority and Filing Responsibility

The current report was executed on behalf of MVB Financial Corp. by Michael R. Sumbs, who is identified as Executive Vice President and Chief Financial Officer. Sumbs' signature on the filing indicates that the company's senior financial leadership has reviewed and authorized the submission of these materials to the SEC. The CFO's involvement in approving the regulatory filing underscores the company's commitment to proper governance in managing investor communications.

The role of the Chief Financial Officer in signing this disclosure aligns with standard corporate governance practices, where senior finance executives bear responsibility for the accuracy and completeness of financial and investor-related communications. By having the CFO execute the filing, MVB Financial demonstrates internal control and oversight of the investor relations function, an important consideration for institutional investors evaluating corporate governance quality.

Timeline and Implementation Details

The current report was dated and filed on July 28, 2026, with the date of earliest event reported also listed as July 28, 2026. This timeline indicates that the furnishing of the presentation slides occurred on the same date as the regulatory filing, ensuring no lag between internal preparation and public disclosure. Such alignment reflects efficient execution of the company's investor relations calendar and regulatory obligations.

The immediate availability of materials through both the regulatory filing system and the company's website suggests that MVB Financial had coordinated the timing of these channels to ensure simultaneous access for all interested parties. This practice aligns with principles of Regulation FD, which requires that public disclosure of material nonpublic information be made simultaneously to all investors rather than selectively distributed to certain parties in advance.

Legal Framework Governing the Disclosure

MVB Financial's characterization of the presentation slides as furnished rather than filed reflects specific provisions of the Securities Exchange Act of 1934 and SEC rules implementing Regulation FD. The company's disclaimer language—that the materials are not deemed filed and not subject to Section 18 liability—tracks standard regulatory language used by public companies making optional disclosures. This framework allows companies to share investor materials and supplementary information with the public while maintaining clear boundaries around liability and incorporation by reference.

The distinction between "filed" and "furnished" documents has important implications for investors evaluating corporate disclosures. Filed documents trigger specific liability provisions and may become part of the official corporate record for legal and regulatory purposes. Furnished documents, by contrast, are made public but do not carry the same legal status or liability exposure, allowing companies greater flexibility in the types of information they can share with investors outside of formal periodic reports and proxy statements.

Considerations for Investors and Market Participants

Investors reviewing MVB Financial's presentation materials should note that the slides constitute supplementary investor relations content rather than official financial disclosure or regulatory filing. While the materials are furnished in compliance with securities regulations and made available through official SEC and company channels, they should be evaluated in conjunction with the company's formal periodic filings such as quarterly and annual reports, which contain audited or reviewed financial statements and management's discussion and analysis of financial condition and results of operations.

The immediate share price impact was not clear from available public information. Investors should consider that the furnishing of presentation materials is a routine disclosure activity that public companies undertake regularly to facilitate investor communications. The significance of these materials will depend on the substantive content of the presentations themselves, which investors can review through the company's website or the SEC's EDGAR system. Prospective or current shareholders may wish to review both the presentation slides and the company's most recent formal regulatory filings to gain a comprehensive understanding of the company's financial position and strategic direction.