On Monday, Keefe, Bruyette & Woods maintained an Outperform rating on MVB Financial (NASDAQ: MVBF ) but reduced the price target from $26.00 to $25.00. The adjustment comes after a year in which the company faced a range of challenges, including increased regulatory scrutiny, particularly for Banking-as-a-Service (BaaS) banks. MVB Financial responded by enhancing its risk management and compliance controls, downsizing its balance sheet in anticipation of potential changes to brokered deposit regulations, and exiting its cryptocurrency business to mitigate risks and focus more narrowly. According to the firm, the regulatory landscape for MVB Financial has significantly changed, which is expected to enable the bank to return to a growth trajectory. The investments MVB Financial has made in its payments platform and Victor, a technology-enabled logistics company, are beginning to yield signs of increased revenue growth, as per the analyst's observations.