Item 7.01. Regulation FD Disclosure. On January 28, 2026, MVB Financial Corp., the holding company for MVB Bank Inc., gave notice of its intent to redeem all of the $40.0 million aggregate principal amount of its4.25% Fixed-to-Floating Rate Subordinated Notes due 2030 (the “ Notes”). The redemption price for the Notes will be equal to 100% of the principal amount of the Notes redeemed, plus any accrued and unpaid interest to, but excluding, the redemption date, anticipated to be March 1, 2026. In accordance with the terms of the Notes, holders will receive notice of the redemption, the redemption price and further instructions and details related to the process of such redemption. The information furnished by MVB pursuant to this Item 7.01, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, (the “ Exchange Act”) or otherwise subject to the liability 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. 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 Date: January 28, 2026