BV Financial, Inc. (BVFL) Earnings History
Steady Earner24 years of earnings data (2002–2025) · Positive but moderate multi-year EPS trajectory
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BV Financial, Inc. (BVFL) Earnings Overview
As of June 19, 2026, BV Financial, Inc. (BVFL) reported trailing twelve-month net income of $13M, reflecting +30.0% year-over-year growth. The company earned $1.57 per diluted share over the past four quarters, with a net profit margin of 25.7%.
Looking at the long-term picture, BVFL's 5-year EPS compound annual growth rate (CAGR) stands at +6.0%, showing solid earnings momentum. The company achieved its highest annual net income of $14M in fiscal 2023.
BV Financial, Inc. maintains industry-leading profitability with a gross margin of 76.6%, operating margin of 32.4%, and net margin of 25.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NECB ($44M net income, 28.2% margin), NSTS (-$97,000 net income, -2.9% margin), HONE ($26M net income, 8.7% margin), BVFL has room to improve margins relative to the peer group. Compare BVFL vs NECB →
BVFL Earnings vs Peers
Earnings metrics vs comparable public companies
BVFL Historical Earnings Data (2002–2025)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $13M | +15.1% | $17M | $1.43 | 25.7% | 32.4% |
| 2024 | $12M | -14.5% | $16M | $1.10 | 23.8% | 33.3% |
| 2023 | $14M | +30.2% | $19M | $1.47 | 29.2% | 39.6% |
| 2022 | $11M | +11.5% | $15M | $1.32 | 27.1% | 37.5% |
| 2021 | $9M | +23.5% | $13M | $1.32 | 29.7% | 40.4% |
| 2020 | $8M | +209.1% | $9M | $1.07 | 38.5% | 45.2% |
| 2019 | $2M | +2617.6% | $3M | $0.38 | 19.5% | 26.4% |
| 2017 | $91,000 | -86.1% | $1M | $0.03 | 1.3% | 16.4% |
| 2016 | $653,000 | +644.2% | $1M | $0.22 | 8.9% | 14.0% |
| 2015 | $-120,000 | -116.8% | $0 | $-0.04 | -1.7% | 0.0% |
| 2014 | $713,000 | +3.5% | $845,000 | $0.24 | 9.5% | 11.3% |
| 2013 | $689,000 | +41.2% | $1M | $0.26 | 8.7% | 14.5% |
| 2012 | $488,000 | -54.5% | $1M | $0.20 | 7.3% | 16.7% |
| 2011 | $1M | +139.5% | $993,000 | $0.46 | 15.7% | 14.6% |
| 2008 | -$3M | -723.3% | -$5M | $-1.17 | -31.7% | -54.7% |
| 2007 | $-330,000 | -462.6% | $-584,000 | $-0.14 | -3.6% | -6.4% |
| 2006 | $91,000 | -79.3% | $157,000 | $0.04 | 1.1% | 2.0% |
| 2005 | $439,000 | -21.9% | $704,000 | $0.17 | 5.9% | 9.4% |
| 2004 | $562,000 | +3.7% | $866,000 | $0.21 | 9.5% | 14.7% |
| 2003 | $542,000 | +37.6% | $824,000 | $0.24 | 10.7% | 16.3% |
| 2002 | $394,000 | - | $628,000 | $0.15 | 7.8% | 12.4% |
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BVFL — Frequently Asked Questions
Quick answers to the most common questions about buying BVFL stock.
What is BVFL earnings per share (EPS)?
BVFL trailing twelve-month (TTM) diluted EPS is $1.57, reflecting +30.0% year-over-year growth. The 5-year EPS CAGR is +6.0%. Complete EPS history from 2002 to 2025 is available in the table on this page.
What is BV Financial, Inc.'s net income?
BV Financial, Inc. (BVFL) trailing twelve-month net income is $13M as of 2025. Earnings grew +30.0% year-over-year. BV Financial, Inc. has been profitable for 9 consecutive years.
Is BVFL profitable?
Yes, BVFL is profitable with a TTM net income of $13M and a net profit margin of +25.7%. BV Financial, Inc. has generated profits for 9 consecutive years.
What is BVFL's earnings growth rate?
BVFL compound annual EPS growth rates (CAGR): 1-Year: +30.0%, 3-Year: +2.7%, 5-Year: +6.0%, 10-Year: +19.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2002 to 2025.
What are BVFL's profit margins?
BV Financial, Inc. net profit margin is +25.7%, operating margin is +32.4%, and gross margin is +76.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.1%.
Is BVFL growing earnings?
Yes, BVFL earnings are accelerating — EPS growth of +30.0% exceeds the 5-year CAGR of +6.0%. TTM net income reached $13M. Earnings momentum is strengthening.
What was BVFL's best earnings year?
BV Financial, Inc.'s highest annual net income on record is $14M, achieved in fiscal year 2023. Earnings history on this page spans 2002 to 2025 and includes all annual and quarterly figures.
What were BVFL's earnings last quarter?
BVFL's most recent reported quarter was Q4 2025. Net income was $5M with diluted EPS of $0.56. For a full breakdown of all quarters, see the quarterly earnings table on this page.