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( Mark One ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K □ ANNUAL REPORT PURSUANT TO SECTION 13 or 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 or □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-50567 West Virginia ( State or other jurisdiction of incorporation or organization ) 301 Virginia Avenue , Fairmont , WV ( Address of principal executive offices ) MVB FINANCIAL MVB Financial Corp. ( Exact name of registrant as specified in its charter ) Registrant's telephone number , including area code ( 304 ) 363-4800 Securities registered pursuant to Section 12 ( b ) of the Act : Title of each class Common Stock , $ 1.00 Par Value Per Share Trading Symbol ( s ) MVBF 20-0034461 ( I.R.S. Employer Identification No. ) 26554 ( Zip Code ) Name of each exchange on which registered The Nasdaq Stock Market LLC ( Nasdaq Capital Market ) Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes □ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) Act . Yes □ No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes ☑ No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( $ 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , ” “ accelerated filer , ” “ smaller reporting company , ” and “ emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Emerging growth company Accelerated filer > Non - accelerated filer Smaller reporting 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 . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No ☑ Based upon the closing price of the common shares of the registrant on June 30 , 2020 of $ 13.30 as reported on the Nasdaq Capital Market , the aggregate market value of the common shares of the registrant held by non - affiliates during that time was $ 137,985,864 . For this purpose , certain executive officers and directors are considered affiliates . This calculation does not reflect a determination that such persons are affiliates for any other purpose . As of March 8 , 2021 , the registrant had 11,568,156 shares of common stock outstanding with a par value of $ 1.00 per share . DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant's definitive proxy statement relating to the 2021 Annual Meeting of Shareholders are incorporated by reference into Part III of this Annual Report on Form 10 - K .