8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Feb 23, 2026·SEC
Material company update
Jan 23, 2026·SEC
BV Financial, Inc.(BVFL)Earnings, Financials & Key Ratios
BVFL•NASDAQ•Banking & Credit
13.9× P/E·Price updated Jun 17, 2026
AboutBV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.Show more
- Net Interest Income$37M+4.9%
- Total Revenue$52M+6.6%
- Net Income$13M+15.1%
- Return on Equity7.12%+19.7%
- Net Interest Margin4.05%+4.8%
- Efficiency Ratio44.24%+1.2%
- ROA1.48%+13.4%
- Equity / Assets20.15%-6.0%
- Book Value per Share21.43+16.8%
BVFL Key Insights
BV Financial, Inc. (BVFL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 4.0%
- ✓Efficient operations: 44.2% efficiency ratio
- ✓Well capitalized: 20.1% equity/assets
- ✓Share count reduced 19.5% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when BVFL posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
BVFL Price & Volume
BV Financial, Inc. (BVFL) stock price & volume — 10-year historical chart
Loading chart...
BVFL Growth Metrics
BV Financial, Inc. (BVFL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years21.52%
5 Years21.41%
3 Years10.59%
TTM-
Profit CAGR
10 Years34.19%
5 Years12.03%
3 Years8.64%
TTM15.11%
EPS CAGR
10 Years19.54%
5 Years5.97%
3 Years2.7%
TTM32.11%
Return on Capital
10 Years6.45%
5 Years7.52%
3 Years6.13%
Last Year2.92%
BVFL Recent Earnings
BV Financial, Inc. (BVFL) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.40
—
Rev
$12M
—
Q1 2026
Jan 23, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$14M
—
Q4 2025
Oct 17, 2025Metric
Actual
Est
EPS
$0.49
—
Rev
$13M
—
Q3 2025
Jul 17, 2025Metric
Actual
Est
EPS
$0.38
—
Rev
$13M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.40 | $12M |
| Q1 2026 | Jan 23, 2026 | $0.65 | $14M |
| Q4 2025 | Oct 17, 2025 | $0.49 | $13M |
| Q3 2025 | Jul 17, 2025 | $0.38 | $13M |
Based on last 12 quarters of dataView full earnings history →
BVFL Peer Comparison
BV Financial, Inc. (BVFL) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NECB | 352.35M | 25.47 | 7.84 | -1.55% | 28.41% | 13.07% | 0.21 | |
 NSTS | 72.35M | 13.75 | -174.05 | 10.24% | -0.73% | -0.12% | 0.35 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 CLBK | 2.07B | 19.84 | 38.90 | 11.94% | 10.2% | 4.58% | 1.02 | |
 NBTB | 2.42B | 46.35 | 13.92 | 10.36% | 18.76% | 9.51% | 0.17 | |
 KRNY | 527.59M | 8.39 | 19.98 | 5.09% | 9.41% | 4.31% | 1.68 | |
 NFBK | 602.24M | 14.42 | 728.28 | -26.69% | 0.3% | 0.11% | 1.44 | |
 ICE | 76.24B | 134.59 | 23.33 | 7.46% | 26.14% | 11.57% | 0.70 |
Compare BVFL vs Peers
BV Financial, Inc. (BVFL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BVFL Income Statement
BV Financial, Inc. (BVFL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Jun'17 | Jun'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 6.12M | 5.98M | 10.41M | 15.32M | 25.64M | 29.92M | 34.23M | 35.19M | 36.9M |
NII Growth % | - | -2.37% | 74.15% | 47.23% | 67.37% | 16.67% | 14.4% | 2.8% | 4.87% |
Net Interest Margin % | 3.57% | 3.57% | 3.53% | 1.87% | 3.15% | 3.54% | 3.87% | 3.86% | 4.05% |
Interest Income | 6.91M | 6.75M | 12.15M | 18.23M | 29.38M | 33.35M | 43.42M | 46.68M | 49.71M |
Interest Expense | 784K | 779K | 1.74M | 2.9M | 3.73M | 3.43M | 9.19M | 11.49M | 12.81M |
Loan Loss Provision | 401K | 114K | 110K | 695K | 575K | 1.04M | -45K | -203K | -539K |
Non-Interest Income | 394K | 423K | 507K | 1.65M | 2.37M | 5.42M | 3.57M | 2.51M | 2.73M |
Non-Interest Income % | 5.4% | 5.89% | 4.01% | 8.3% | 7.47% | 13.98% | 7.6% | 5.11% | 5.21% |
Total Revenue | 7.3M▲ 0% | 7.18M▼ 1.7% | 12.65M▲ 76.3% | 19.88M▲ 57.1% | 31.75M▲ 59.7% | 38.77M▲ 22.1% | 46.99M▲ 21.2% | 49.2M▲ 4.7% | 52.44M▲ 6.6% |
Revenue Growth % | 0.55% | -1.66% | 76.29% | 57.1% | 59.7% | 22.11% | 21.2% | 4.7% | 6.59% |
Non-Interest Expense | 5.09M | 5.11M | 7.47M | 7.29M | 14.62M | 19.75M | 19.22M | 21.5M | 23.2M |
Efficiency Ratio | 69.72% | 71.16% | 59% | 36.65% | 46.04% | 50.94% | 40.91% | 43.7% | 44.24% |
Operating Income | 1.02M▲ 0% | 1.18M▲ 14.8% | 3.34M▲ 183.6% | 8.99M▲ 169.4% | 12.82M▲ 42.6% | 14.55M▲ 13.5% | 18.62M▲ 28.0% | 16.41M▼ 11.9% | 16.98M▲ 3.5% |
Operating Margin % | 14.04% | 16.4% | 26.38% | 45.24% | 40.39% | 37.54% | 39.63% | 33.35% | 32.38% |
Operating Income Growth % | - | 14.83% | 183.6% | 169.44% | 42.58% | 13.48% | 27.96% | -11.9% | 3.5% |
Pretax Income | 1.02M▲ 0% | 1.18M▲ 14.8% | 3.34M▲ 183.6% | 8.99M▲ 169.4% | 12.82M▲ 42.6% | 14.55M▲ 13.5% | 18.62M▲ 28.0% | 16.41M▼ 11.9% | 18.86M▲ 15.0% |
Pretax Margin % | 14.04% | 16.4% | 26.38% | 45.24% | 40.39% | 37.54% | 39.63% | 33.35% | 35.97% |
Income Tax | 372K | 1.09M | 865K | 1.35M | 3.38M | 4.03M | 4.92M | 4.68M | 5.37M |
Effective Tax Rate % | 36.29% | 92.27% | 25.91% | 15% | 26.38% | 27.69% | 26.39% | 28.54% | 28.46% |
Net Income | 653K▲ 0% | 91K▼ 86.1% | 2.47M▲ 2617.6% | 7.64M▲ 209.1% | 9.44M▲ 23.5% | 10.52M▲ 11.5% | 13.71M▲ 30.2% | 11.72M▼ 14.5% | 13.49M▲ 15.1% |
Net Margin % | 8.95% | 1.27% | 19.54% | 38.46% | 29.74% | 27.15% | 29.17% | 23.83% | 25.73% |
Net Income Growth % | 644.17% | -86.06% | 2617.58% | 209.14% | 23.49% | 11.47% | 30.25% | -14.47% | 15.11% |
Net Income (Continuing) | 653K | 91K | 2.47M | 7.64M | 9.44M | 10.52M | 13.71M | 11.72M | 13.49M |
EPS (Diluted) | 0.22▲ 0% | 0.03▼ 86.4% | 0.38▲ 1166.7% | 1.07▲ 181.6% | 1.32▲ 23.4% | 1.32▲ 0.0% | 1.47▲ 11.4% | 1.10▼ 25.2% | 1.43▲ 30.0% |
EPS Growth % | 645.91% | -86.36% | 1166.67% | 181.58% | 23.36% | 0% | 11.36% | -25.17% | 30% |
EPS (Basic) | 0.22 | 0.03 | 0.38 | 1.08 | 1.33 | 1.32 | 1.47 | 1.10 | 1.44 |
Diluted Shares Outstanding | 2.99M | 2.99M | 6.46M | 7.13M | 7.14M | 7.97M | 9.32M | 10.66M | 8.58M |
BVFL Balance Sheet
BV Financial, Inc. (BVFL) balance sheet — assets, liabilities & shareholders' equity
| Metric | Jun'17 | Jun'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 23.06M | 23.55M | 32.58M | 124.45M | 148.98M | 101.69M | 108.52M | 107.76M | 38.84M |
Cash & Due from Banks | 10.08M | 10.47M | 24.23M | 91.99M | 111.19M | 68.65M | 73.74M | 70.5M | 5.62M |
Short Term Investments | 12.98M | 13.08M | 8.35M | 32.46M | 37.79M | 33.03M | 34.78M | 37.26M | 33.23M |
Total Investments | 146.94M | 143.62M | 247.5M | 642.66M | 626.29M | 702.85M | 741.49M | 772.87M | 787.85M |
Investments Growth % | 2662.64% | -2.26% | 72.33% | 159.66% | -2.55% | 12.22% | 5.5% | 4.23% | 1.94% |
Long-Term Investments | 133.97M | 130.54M | 239.15M | 610.19M | 588.5M | 669.81M | 706.71M | 735.61M | 762.72M |
Accounts Receivables | 574K | 498K | 992K | 2.94M | 2.58M | 2.95M | 3.28M | 3.16M | 3.15M |
Goodwill & Intangibles | 148K | 143K | 2.33M | 14.3M | 15.71M | 15.62M | 15.43M | 15.25M | 15.07M |
Goodwill | 120K | 120K | 1.12M | 12.83M | 14.42M | 14.42M | 14.42M | 14.42M | 14.42M |
Intangible Assets | 28K | 23K | 1.21M | 1.47M | 1.29M | 1.2M | 1.01M | 831K | 651K |
PP&E (Net) | 4.29M | 4.12M | 5.83M | 15.48M | 15.05M | 15.18M | 14.25M | 13.22M | 12.49M |
Other Assets | 6.47M | 6.78M | 10.25M | 40.05M | 35.98M | 30.61M | 28.09M | 27.92M | -762.72M |
Total Current Assets | 23.63M | 24.04M | 33.57M | 127.39M | 151.57M | 104.64M | 111.8M | 110.92M | 41.99M |
Total Non-Current Assets | 147.46M | 143.16M | 260.61M | 688.18M | 663.56M | 740.33M | 773.45M | 800.9M | 35.13M |
Total Assets | 171.23M▲ 0% | 167.29M▼ 2.3% | 294.85M▲ 76.3% | 817.5M▲ 177.3% | 815.13M▼ 0.3% | 844.96M▲ 3.7% | 885.25M▲ 4.8% | 911.82M▲ 3.0% | 912.21M▲ 0.0% |
Asset Growth % | 1.14% | -2.3% | 76.25% | 177.26% | -0.29% | 3.66% | 4.77% | 3% | 0.04% |
Return on Assets (ROA) | 0.38% | 0.05% | 1.07% | 1.37% | 1.16% | 1.27% | 1.58% | 1.3% | 1.48% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 3.06M | 3M | 6M | 54.66M | 36.83M | 49.04M | 37.25M | 49.88M | 35.75M |
Net Debt | -7.02M | -7.47M | -18.23M | -37.34M | -74.36M | -19.61M | -36.49M | -20.62M | 30.14M |
Long-Term Debt | 3.06M | 3M | 3M | 51.66M | 36.83M | 49.04M | 37.25M | 49.88M | 25M |
Short-Term Debt | 0 | 0 | 3M | 3M | 276K | 171K | 243K | 254K | 10.05M |
Other Liabilities | 0 | 0 | 4.36M | 11.79M | 14.83M | 13.55M | 14.82M | 14.95M | 693.41M |
Total Current Liabilities | 142.6M | 138.69M | 220.82M | 678.1M | 680.02M | 684.62M | 634.12M | 651.49M | 10.05M |
Total Non-Current Liabilities | 6.86M | 6.87M | 7.36M | 63.45M | 51.66M | 62.59M | 52.07M | 64.83M | 718.36M |
Total Liabilities | 149.6M | 145.64M | 228.85M | 743.48M | 731.68M | 747.21M | 686.19M | 716.32M | 728.41M |
Total Equity | 21.62M▲ 0% | 21.65M▲ 0.1% | 66M▲ 204.9% | 74.02M▲ 12.1% | 83.45M▲ 12.7% | 97.75M▲ 17.1% | 199.06M▲ 103.6% | 195.5M▼ 1.8% | 183.8M▼ 6.0% |
Equity Growth % | 3.05% | 0.13% | 204.86% | 12.15% | 12.73% | 17.14% | 103.65% | -1.79% | -5.98% |
Equity / Assets (Capital Ratio) | 12.63% | 12.94% | 22.38% | 9.05% | 10.24% | 11.57% | 22.49% | 21.44% | 20.15% |
Return on Equity (ROE) | 3.07% | 0.42% | 5.64% | 10.92% | 11.99% | 11.62% | 9.24% | 5.94% | 7.12% |
Book Value per Share | 7.24 | 7.23 | 10.22 | 10.39 | 11.69 | 12.26 | 21.35 | 18.34 | 21.43 |
Tangible BV per Share | 7.19 | 7.18 | 9.86 | 8.38 | 9.49 | 10.30 | 19.69 | 16.91 | 19.67 |
Common Stock | 32K | 32K | 73K | 73K | 71K | 74K | 114K | 106K | 88K |
Additional Paid-in Capital | 10.85M | 10.85M | 10.89M | 10.92M | 9.38M | 15.41M | 110.47M | 94.68M | 68.83M |
Retained Earnings | 12.91M | 13.02M | 57M | 64.65M | 74.09M | 84.61M | 97.77M | 109.5M | 122.99M |
Accumulated OCI | -55K | -208K | 14K | 361K | -96K | -2.34M | -1.96M | -1.62M | -8.11M |
Treasury Stock | -1.98M | -1.98M | -1.98M | -1.98M | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BVFL Cash Flow Statement
BV Financial, Inc. (BVFL) cash flow — operating, investing & free cash flow history
| Metric | Jun'17 | Jun'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.59M | 1.9M | 1.16M | 5.02M | 10.58M | 9.71M | 15.19M | 16.06M | 19.02M |
Operating CF Growth % | 51.33% | 19% | -39.04% | 334.23% | 110.55% | -8.16% | 56.4% | 5.72% | 18.43% |
Net Income | 653K | 91K | 2.47M | 7.64M | 9.44M | 10.52M | 13.71M | 11.72M | 13.49M |
Depreciation & Amortization | 235K | 212K | 399K | 696K | 1.02M | 1.04M | 1.05M | 1M | 117K |
Deferred Taxes | 357K | 1.05M | 428K | 548K | 273K | 308K | 207K | -58K | 0 |
Other Non-Cash Items | 571K | 155K | 168K | -3.72M | -2.75M | -2.58M | -1.78M | 487K | 3.65M |
Working Capital Changes | -277K | 314K | -2.39M | -153K | 2.19M | 158K | 1.14M | 829K | 1.77M |
Cash from Investing | -4.89M | 2.34M | 23.79M | 32.33M | 17.45M | -27.76M | -35.17M | -32.5M | -13.29M |
Purchase of Investments | -8.03M | -1.53M | 0 | 0 | -18.01M | -12M | -6.92M | -14.5M | 0 |
Sale/Maturity of Investments | 4.15M | 3.09M | 5.25M | 11.42M | 9.25M | 9.65M | 5.94M | 16.32M | 0 |
Net Investment Activity | -3.88M | 1.56M | 5.25M | 11.42M | -8.76M | -2.35M | -974K | 1.82M | 0 |
Acquisitions | 0 | 0 | 19.32M | 136M | 0 | 8.52M | 0 | 7K | 0 |
Other Investing | -912K | 818K | -304K | -114.71M | 26.62M | -33.43M | -34.04M | -33.71M | -13.29M |
Cash from Financing | 1.45M | -3.85M | -7.24M | 30.11M | -8.83M | -24.49M | 25.07M | 13.19M | -20.53M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -17.7M | -30.02M |
Stock Issued | 0 | 0 | 36K | 17K | 36K | 1K | 97.99M | 0 | 0 |
Net Stock Activity | 0 | 0 | 36K | 17K | 36K | 1K | 97.99M | -17.7M | -30.02M |
Debt Issuance (Net) | 0 | 0 | 0 | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
Other Financing | 1.45M | -3.85M | -7.27M | 88K | 8.98M | -36.49M | -60.92M | 18.99M | 24.5M |
Net Change in Cash | -1.84M▲ 0% | 385K▲ 120.9% | 17.71M▲ 4500.8% | 67.76M▲ 282.5% | 19.2M▼ 71.7% | -42.54M▼ 321.6% | 5.09M▲ 112.0% | -3.24M▼ 163.7% | -21.92M▼ 576.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 11.68M | 9.83M | 6.52M | 24.23M | 91.99M | 111.19M | 68.65M | 73.74M | 30.1M |
Cash at End | 9.83M | 10.22M | 24.23M | 91.99M | 111.19M | 68.65M | 73.74M | 70.5M | 8.18M |
Interest Paid | 782K | 779K | 1.76M | 2.82M | 4.01M | 3.43M | 9.19M | 11.34M | 12.72M |
Income Taxes Paid | 25K | 25K | 118K | 1.21M | 2.14M | 4.03M | 4.92M | 5.89M | 3.01M |
Free Cash Flow | 1.49M▲ 0% | 1.86M▲ 24.7% | 684K▼ 63.3% | 4.65M▲ 579.7% | 10.16M▲ 118.6% | 9.21M▼ 9.3% | 15.04M▲ 63.2% | 15.45M▲ 2.7% | 18.79M▲ 21.6% |
FCF Growth % | 53.6% | 24.72% | -63.27% | 579.68% | 118.61% | -9.35% | 63.24% | 2.75% | 21.58% |
BVFL Banking Ratios
BV Financial, Inc. (BVFL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2015 | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -0.57% | 3.07% | 0.42% | 5.64% | 10.92% | 11.99% | 11.62% | 9.24% | 5.94% | 7.12% |
Return on Assets (ROA) | -0.07% | 0.38% | 0.05% | 1.07% | 1.37% | 1.16% | 1.27% | 1.58% | 1.3% | 1.48% |
Net Interest Margin | 0% | 3.57% | 3.57% | 3.53% | 1.87% | 3.15% | 3.54% | 3.87% | 3.86% | 4.05% |
Efficiency Ratio | 28.01% | 69.72% | 71.16% | 59% | 36.65% | 46.04% | 50.94% | 40.91% | 43.7% | 44.24% |
Equity / Assets | 12.39% | 12.63% | 12.94% | 22.38% | 9.05% | 10.24% | 11.57% | 22.49% | 21.44% | 20.15% |
Book Value / Share | 7.06 | 7.24 | 7.23 | 10.22 | 10.39 | 11.69 | 12.26 | 21.35 | 18.34 | 21.43 |
NII Growth | 100% | - | -2.37% | 74.15% | 47.23% | 67.37% | 16.67% | 14.4% | 2.8% | 4.87% |
Related:BVFL Dividend History·BVFL Revenue History·BVFL Price History·BVFL P/E History·BVFL Financial Ratios·BVFL Institutional Holders
BVFL SEC Filings & Documents
BV Financial, Inc. (BVFL) SEC filings — annual & quarterly reports (10-K, 10-Q)
BVFL Frequently Asked Questions
BV Financial, Inc. (BVFL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
BV Financial, Inc. (BVFL) grew revenue by 6.6% over the past year. This is steady growth.
Yes, BV Financial, Inc. (BVFL) is profitable, generating $13.5M in net income for fiscal year 2025 (25.7% net margin).
Dividend & Returns
BV Financial, Inc. (BVFL) has a return on equity (ROE) of 7.1%. This is below average, suggesting room for improvement.
Industry Metrics
BV Financial, Inc. (BVFL) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.
BV Financial, Inc. (BVFL) has an efficiency ratio of 44.2%. This is excellent, indicating strong cost control.