MVBF vs. COLB

Last updated Apr 2, 2026

Compare and contrast key facts about MVB Financial Corp. (MVBF) and Columbia Banking System, Inc. (COLB).

Performance

MVBF vs. COLB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in MVB Financial Corp. (MVBF) and Columbia Banking System, Inc. (COLB). The values are adjusted to include any dividend payments, if applicable.

MVBF vs. COLB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
MVBF MVB Financial Corp.	-2.16%	28.74%	-5.15%	5.68%	-45.83%	85.48%	-7.02%	39.64%	-9.72%	57.82%
COLB Columbia Banking System, Inc.	1.12%	9.36%	8.05%	-5.86%	-4.26%	-6.24%	-8.16%	15.54%	-14.36%	-0.65%

Fundamentals

Market Cap MVBF : $328.63M COLB : $8.29B
EPS MVBF : $2.06 COLB : $2.21
PE Ratio MVBF : 12.19 COLB : 12.62
PEG Ratio MVBF : 1.36 COLB : 1.71
PS Ratio MVBF : 1.67 COLB : 2.22
Total Revenue (TTM) MVBF : $196.04M COLB : $3.12B
Gross Profit (TTM) MVBF : $119.39M COLB : $1.46B
EBITDA (TTM) MVBF : $39.01M COLB : $548.31M

Returns By Period

In the year-to-date period, MVBF achieves a -2.16% return, which is significantly lower than COLB's 1.12% return. Over the past 10 years, MVBF has outperformed COLB with an annualized return of 8.71%, while COLB has yielded a comparatively lower 3.43% annualized return.

MVBF

• 1D: 1.17%
• 1M: -6.37%
• YTD: -2.16%
• 6M: -0.07%
• 1Y: 49.78%
• 3Y*: 10.21%
• 5Y*: -3.12%
• 10Y*: 8.71%

COLB

• 1D: 1.79%
• 1M: -3.86%
• YTD: 1.12%
• 6M: 10.31%
• 1Y: 19.05%
• 3Y*: 16.17%
• 5Y*: -3.56%
• 10Y*: 3.43%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

MVBF vs. COLB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

MVBF

MVBF Risk / Return Rank: 85
MVBF Sharpe Ratio Rank: 87
MVBF Sortino Ratio Rank: 84
MVBF Omega Ratio Rank: 82
MVBF Calmar Ratio Rank: 84
MVBF Martin Ratio Rank: 86

COLB

COLB Risk / Return Rank: 58
COLB Sharpe Ratio Rank: 60
COLB Sortino Ratio Rank: 53
COLB Omega Ratio Rank: 54
COLB Calmar Ratio Rank: 62
COLB Martin Ratio Rank: 64

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

MVBF vs. COLB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for MVB Financial Corp. (MVBF) and Columbia Banking System, Inc. (COLB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	MVBF	COLB	Difference
Sharpe ratio Return per unit of total volatility	1.77	0.54	+1.23
Sortino ratio Return per unit of downside risk	2.43	0.94	+1.48
Omega ratio Gain probability vs. loss probability	1.31	1.13	+0.18
Calmar ratio Return relative to maximum drawdown	2.98	0.99	+1.99
Martin ratio Return relative to average drawdown	8.68	2.51	+6.17
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

MVBF vs. COLB - Sharpe Ratio Comparison

The current MVBF Sharpe Ratio is 1.77, which is higher than the COLB Sharpe Ratio of 0.54. The chart below compares the historical Sharpe Ratios of MVBF and COLB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	MVBF	COLB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.77	0.54	+1.23
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.09	-0.09	0.00
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.22	0.09	+0.13
Sharpe Ratio (All Time) Calculated using the full available price history	0.11	0.17	-0.06

Correlation

The correlation between MVBF and COLB is 0.26, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

MVBF vs. COLB - Dividend Comparison

MVBF's dividend yield for the trailing twelve months is around 2.71%, less than COLB's 5.23% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
MVBF MVB Financial Corp.	2.71%	2.63%	3.29%	3.01%	3.09%	1.23%	1.59%	0.78%	0.61%	0.37%	0.62%	0.31%
COLB Columbia Banking System, Inc.	5.23%	5.19%	5.33%	5.17%	3.98%	3.48%	3.12%	2.75%	2.76%	2.03%	3.42%	3.57%

Drawdowns

MVBF vs. COLB - Drawdown Comparison

The maximum MVBF drawdown since its inception was -75.98%, smaller than the maximum COLB drawdown of -85.93%. Use the drawdown chart below to compare losses from any high point for MVBF and COLB.

Drawdown Indicators

	MVBF	COLB	Difference
Max Drawdown Largest peak-to-trough decline	-75.98%	-85.93%	+9.95%
Max Drawdown (1Y) Largest decline over 1 year	-16.50%	-18.38%	+1.88%
Max Drawdown (5Y) Largest decline over 5 years	-61.43%	-55.69%	-5.74%
Max Drawdown (10Y) Largest decline over 10 years	-63.71%	-60.80%	-2.91%
Current Drawdown Current decline from peak	-36.23%	-28.61%	-7.62%
Average Drawdown Average peak-to-trough decline	-34.22%	-27.57%	-6.65%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.67%	7.22%	-1.55%

Volatility

MVBF vs. COLB - Volatility Comparison

MVB Financial Corp. (MVBF) has a higher volatility of 8.48% compared to Columbia Banking System, Inc. (COLB) at 6.95%. This indicates that MVBF's price experiences larger fluctuations and is considered to be riskier than COLB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MVBF	COLB	Difference
Volatility (1M) Calculated over the trailing 1-month period	8.48%	6.95%	+1.53%
Volatility (6M) Calculated over the trailing 6-month period	20.71%	21.83%	-1.12%
Volatility (1Y) Calculated over the trailing 1-year period	28.28%	35.59%	-7.31%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	35.17%	38.23%	-3.06%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	40.18%	38.01%	+2.17%

Financials

MVBF vs. COLB - Profitability Comparison

The chart below illustrates the profitability comparison between MVB Financial Corp. and Columbia Banking System, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

MVBF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, MVB Financial Corp. reported a gross profit of 37.10M and revenue of 56.35M. Therefore, the gross margin over that period was 65.8%.

COLB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Columbia Banking System, Inc. reported a gross profit of 0.00 and revenue of 858.00M. Therefore, the gross margin over that period was 0.0%.

MVBF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, MVB Financial Corp. reported an operating income of 5.45M and revenue of 56.35M, resulting in an operating margin of 9.7%.

COLB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Columbia Banking System, Inc. reported an operating income of 0.00 and revenue of 858.00M, resulting in an operating margin of 0.0%.

MVBF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, MVB Financial Corp. reported a net income of 4.23M and revenue of 56.35M, resulting in a net margin of 7.5%.

COLB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Columbia Banking System, Inc. reported a net income of 215.00M and revenue of 858.00M, resulting in a net margin of 25.1%.