BV Financial, Inc. (BVFL) Financial Ratios
24 years of historical data (2002–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.85
↑+43% vs avg
5yr avg: 8.26
30Y Low4.9·High30.8
P/FCF
↓
9.47
↓-27% vs avg
5yr avg: 12.94
30Y Low4.3·High162.9
P/B Ratio
↓
0.95
↓-24% vs avg
5yr avg: 1.24
30Y Low0.5·High2.0
ROE
↓
7.1%
↑-22% vs avg
5yr avg: 9.2%
30Y Low-18%·High12%
Debt/EBITDA
↓
2.04
↓-19% vs avg
5yr avg: 2.52
30Y Low0.7·High43.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BVFL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
BV Financial, Inc. trades at 14.2x earnings, roughly in line with its 5-year average of 14.4x, sitting at the 21st percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 9.5x P/FCF, 27% below the 5-year average of 12.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $178M | $156M | $184M | $132M | $199M | $144M | $121M | $111M | $34M | $24M | $19M |
| Enterprise Value | $208M | $186M | $163M | $96M | $180M | $69M | $84M | $93M | $26M | $17M | $31M |
| P/E Ratio → | 14.22 | 12.69 | 15.65 | 9.65 | 18.94 | 15.23 | 15.89 | 45.39 | 375.00 | 35.86 | — |
| P/S Ratio | 3.39 | 2.97 | 3.73 | 2.81 | 5.14 | 4.52 | 6.09 | 8.81 | 4.69 | 3.23 | 2.66 |
| P/B Ratio | 0.95 | 0.85 | 0.94 | 0.66 | 2.04 | 1.72 | 1.64 | 1.69 | 1.56 | 1.09 | 0.92 |
| P/FCF | 9.47 | 8.28 | 11.88 | 8.79 | 21.63 | 14.12 | 26.06 | 162.94 | 18.09 | 15.79 | 19.89 |
| P/OCF | 9.36 | 8.18 | 11.42 | 8.70 | 20.51 | 13.57 | 24.11 | 96.33 | 17.75 | 14.78 | 18.34 |
P/E links to full P/E history page with 30-year chart
BVFL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
BV Financial, Inc.'s enterprise value stands at 11.8x EBITDA, 43% above its 5-year average of 8.3x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.54 | 3.31 | 2.04 | 4.63 | 2.18 | 4.22 | 7.37 | 3.65 | 2.27 | 4.22 |
| EV / EBITDA | 11.85 | 10.58 | 9.36 | 4.87 | 11.52 | 4.99 | 8.65 | 24.95 | 18.87 | 13.13 | 127.12 |
| EV / EBIT | 12.26 | 10.94 | 9.93 | 5.14 | 12.34 | 5.39 | 9.32 | 27.93 | 22.27 | 16.14 | — |
| EV / FCF | — | 9.89 | 10.54 | 6.37 | 19.50 | 6.80 | 18.03 | 136.29 | 14.08 | 11.08 | 31.52 |
BVFL Profitability
Margins and return-on-capital ratios measuring operating efficiency
BV Financial, Inc. earns an operating margin of 32.4%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 39.6% to 32.4% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.1% is modest, trailing the sector median of 9.0%. ROIC of 5.5% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 76.6% | 76.6% | 77.0% | 80.5% | 88.5% | 86.4% | 81.9% | 85.4% | 87.6% | 83.8% | 100.0% |
| Operating Margin | 32.4% | 32.4% | 33.3% | 39.6% | 37.5% | 40.4% | 45.2% | 26.4% | 16.4% | 14.0% | — |
| Net Profit Margin | 25.7% | 25.7% | 23.8% | 29.2% | 27.1% | 29.7% | 38.5% | 19.5% | 1.3% | 8.9% | -1.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.1% | 7.1% | 5.9% | 9.2% | 11.6% | 12.0% | 10.9% | 5.6% | 0.4% | 3.1% | -0.6% |
| ROA | 1.5% | 1.5% | 1.3% | 1.6% | 1.3% | 1.2% | 1.4% | 1.1% | 0.1% | 0.4% | -0.1% |
| ROIC | 5.5% | 5.5% | 5.1% | 7.3% | 8.2% | 7.7% | 6.7% | 5.2% | 3.6% | 3.2% | — |
| ROCE | 2.9% | 2.9% | 6.4% | 9.1% | 9.9% | 9.3% | 8.4% | 6.5% | 4.1% | 1.4% | — |
BVFL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
BV Financial, Inc. carries a Debt/EBITDA ratio of 2.0x, which is manageable (52% below the sector average of 4.3x). Net debt stands at $30M ($36M total debt minus $6M cash). Interest coverage of just 1.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.19 | 0.26 | 0.19 | 0.50 | 0.44 | 0.74 | 0.09 | 0.14 | 0.14 | 0.15 |
| Debt / EBITDA | 2.04 | 2.04 | 2.87 | 1.89 | 3.14 | 2.66 | 5.64 | 1.61 | 2.16 | 2.43 | 12.91 |
| Net Debt / Equity | — | 0.16 | -0.11 | -0.18 | -0.20 | -0.89 | -0.50 | -0.28 | -0.34 | -0.32 | 0.54 |
| Net Debt / EBITDA | 1.72 | 1.72 | -1.18 | -1.85 | -1.26 | -5.37 | -3.85 | -4.88 | -5.38 | -5.57 | 46.90 |
| Debt / FCF | — | 1.60 | -1.33 | -2.43 | -2.13 | -7.32 | -8.03 | -26.65 | -4.01 | -4.70 | 11.63 |
| Interest Coverage | 1.33 | 1.33 | 1.43 | 2.03 | 4.25 | 3.44 | 3.10 | 1.92 | 1.51 | 1.31 | -4.80 |
BVFL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
BV Financial, Inc.'s current ratio of 4.18x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.18x to 4.18x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 4.18 | 4.18 | 0.17 | 0.18 | 0.15 | 0.22 | 0.19 | 0.15 | 0.17 | 0.17 | 0.29 |
| Quick Ratio | 4.18 | 4.18 | 0.17 | 0.18 | 0.15 | 0.22 | 0.19 | 0.15 | 0.17 | 0.17 | 0.29 |
| Cash Ratio | 0.56 | 0.56 | 0.11 | 0.12 | 0.10 | 0.16 | 0.14 | 0.11 | 0.08 | 0.07 | -0.16 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.05 | 0.04 | 0.02 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BVFL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
BV Financial, Inc. returns 16.9% to shareholders annually primarily through share buybacks. The earnings yield of 7.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 7.9% | 6.4% | 10.4% | 5.3% | 6.6% | 6.3% | 2.2% | 0.3% | 2.8% | — |
| FCF Yield | 10.6% | 12.1% | 8.4% | 11.4% | 4.6% | 7.1% | 3.8% | 0.6% | 5.5% | 6.3% | 5.0% |
| Buyback Yield | 16.9% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 16.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $9M | $11M | $9M | $8M | $7M | $7M | $6M | $3M | $3M | $3M |
Peer Comparison
Compare BVFL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BVFLYou | $178M | 14.2 | 11.8 | 9.5 | 76.6% | 32.4% | 7.1% | 5.5% | 2.0 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 NSTS | $72M | -173.9 | — | 18.3 | 74.8% | -2.9% | -0.5% | -0.3% | — |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 CLBK | $2B | 39.3 | 42.5 | 35.6 | 50.3% | 11.9% | 4.6% | 2.0% | 17.2 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 PBFS | $429M | 22.5 | 9.4 | 13.3 | 100.0% | 37.3% | 6.3% | 8.1% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 21 years · Updated daily
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BVFL — Frequently Asked Questions
Quick answers to the most common questions about buying BVFL stock.
What is BV Financial, Inc.'s P/E ratio?
BV Financial, Inc.'s current P/E ratio is 14.2x. The historical average is 25.7x. This places it at the 21th percentile of its historical range.
What is BV Financial, Inc.'s EV/EBITDA?
BV Financial, Inc.'s current EV/EBITDA is 11.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.4x.
What is BV Financial, Inc.'s ROE?
BV Financial, Inc.'s return on equity (ROE) is 7.1%. The historical average is 3.9%.
Is BVFL stock overvalued?
Based on historical data, BV Financial, Inc. is trading at a P/E of 14.2x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are BV Financial, Inc.'s profit margins?
BV Financial, Inc. has 76.6% gross margin and 32.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does BV Financial, Inc. have?
BV Financial, Inc.'s Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.