Last 16 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
BV Financial, Inc.'s quarterly P/E stands at 8.1x, down 66.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 33.7% YoY to 8.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.22 | 8.10 | 10.61 | 13.13 | 18.17 | 23.92 | 10.96 | 9.30 | 10.76 | 12.66 | 7.20 | 8.65 | 15.06 |
| — | -66.1% | -3.3% | +41.1% | +68.8% | +88.9% | +52.3% | +7.5% | -28.6% | -31.1% | -56.8% | -39.0% | -2.5% | |
| P/S Ratio | 3.39 | 2.81 | 3.01 | 2.89 | 3.07 | 3.72 | 3.22 | 2.59 | 2.39 | 3.13 | 2.16 | 2.81 | 4.47 |
| — | -24.3% | -6.7% | +11.6% | +28.4% | +18.6% | +49.2% | -7.7% | -46.5% | -27.1% | -54.7% | -35.7% | +5.3% | |
| P/B Ratio | 0.95 | 0.85 | 0.84 | 0.76 | 0.77 | 0.95 | 0.79 | 0.62 | 0.55 | 0.77 | 0.55 | 1.28 | 1.87 |
| — | -11.3% | +5.9% | +23.2% | +40.2% | +24.7% | +43.7% | -51.9% | -70.6% | -62.7% | -70.6% | -24.7% | +10.3% | |
| P/FCF | 9.47 | 10.89 | 4.72 | 14.58 | 9.04 | 11.92 | 6.94 | 21.87 | 6.70 | 11.02 | — | 0.58 | 13.19 |
| — | -8.6% | -32.1% | -33.3% | +34.9% | +8.1% | — | +3648.2% | -49.2% | -63.7% | — | -98.4% | -38.0% | |
| EV / EBITDA | 11.85 | 8.91 | 6.00 | 8.09 | 11.19 | 13.43 | 4.75 | 3.63 | 4.32 | 6.76 | 3.15 | 4.48 | 10.82 |
| — | -33.7% | +26.3% | +123.0% | +158.7% | +98.6% | +50.9% | -19.1% | -60.0% | -36.8% | -63.2% | -24.6% | +80.8% | |
| EV / EBIT | 12.26 | 8.99 | 6.29 | 8.18 | 12.17 | 14.58 | 5.07 | 3.74 | 4.63 | 7.21 | 3.31 | 4.71 | 11.48 |
| — | -38.4% | +24.1% | +118.4% | +162.7% | +102.4% | +53.0% | -20.4% | -59.6% | -36.7% | -63.9% | -26.4% | +78.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
BV Financial, Inc.'s operating margin was 37.4% in Q4 2025, down 1.8 pp QoQ and up 14.7 pp YoY. The trailing four-quarter average of 32.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 76.6% | 76.3% | 83.6% | 74.7% | 71.5% | 72.1% | 83.4% | 78.8% | 73.6% | 75.5% | 79.8% | 81.9% | 85.8% |
| — | +5.8% | +0.3% | -5.3% | -2.8% | -4.5% | +4.5% | -3.8% | -14.3% | -14.6% | -10.4% | -7.1% | -2.7% | |
| Operating Margin | 32.4% | 37.4% | 39.2% | 30.3% | 21.7% | 22.7% | 40.8% | 38.7% | 31.1% | 33.1% | 41.0% | 43.8% | 41.0% |
| — | +64.8% | -4.0% | -21.6% | -30.1% | -31.4% | -0.4% | -11.6% | -24.2% | -2.9% | +3.4% | +14.0% | +4.5% | |
| Net Margin | 25.7% | 34.7% | 28.2% | 22.0% | 16.9% | 15.5% | 29.6% | 27.9% | 22.2% | 24.7% | 29.7% | 32.7% | 29.7% |
| — | +123.5% | -4.5% | -20.9% | -23.9% | -37.2% | -0.4% | -14.9% | -25.1% | +5.9% | +4.6% | +5.9% | +9.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.1% | 2.6% | 1.9% | 1.4% | 1.1% | 1.0% | 1.8% | 1.7% | 1.3% | 1.5% | 2.5% | 3.8% | 3.1% |
| — | +166.6% | +5.0% | -13.5% | -17.0% | -36.9% | -25.6% | -56.1% | -59.1% | -46.4% | -12.5% | +24.6% | -33.1% | |
| ROA | 1.5% | 0.5% | 0.4% | 0.3% | 0.2% | 0.2% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% |
| — | +143.8% | -3.3% | -17.7% | -21.0% | -34.7% | +6.7% | -13.4% | -20.9% | +2.8% | +29.9% | +35.9% | -23.4% | |
| ROIC | 5.5% | 1.7% | 1.7% | 1.2% | 0.8% | 0.9% | 1.6% | 1.5% | 1.1% | 1.2% | 1.7% | 2.2% | 2.0% |
| — | +99.9% | +4.2% | -17.8% | -28.4% | -26.9% | -4.6% | -32.7% | -43.0% | -44.5% | -19.3% | +9.3% | -46.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
BV Financial, Inc.'s Debt/EBITDA ratio is 6.9x, up from 6.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 2353.8% YoY to 4.18x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.19 | 0.18 | 0.18 | 0.26 | 0.26 | 0.17 | 0.17 | 0.17 | 0.19 | 0.38 | 0.71 | 0.74 |
| — | -23.8% | +10.8% | +8.6% | +50.9% | +36.4% | -56.6% | -76.3% | -76.7% | -62.7% | -2.7% | +77.8% | +79.6% | |
| Debt / EBITDA | 2.04 | 6.86 | 6.45 | 9.15 | 17.51 | 16.14 | 6.24 | 7.14 | 9.01 | 8.70 | 13.98 | 13.63 | 16.33 |
| — | -57.5% | +3.4% | +28.1% | +94.3% | +85.6% | -55.4% | -47.6% | -44.8% | -24.9% | +47.9% | +36.4% | +66.2% | |
| Current Ratio | 4.18 | 4.18 | 0.07 | 0.07 | 0.17 | 0.17 | 0.21 | 0.20 | 0.18 | 0.18 | 0.24 | 0.22 | 0.16 |
| — | +2353.8% | -69.4% | -66.6% | -8.3% | -3.4% | -9.6% | -10.0% | +16.7% | +15.4% | +44.5% | +8.9% | -21.5% | |
| Quick Ratio | 4.18 | 4.18 | 0.07 | 0.07 | 0.17 | 0.17 | 0.21 | 0.20 | 0.18 | 0.18 | 0.24 | 0.22 | 0.16 |
| — | +2353.8% | -69.4% | -66.6% | -8.3% | -3.4% | -9.6% | -10.0% | +16.7% | +15.4% | +44.5% | +8.9% | -21.5% | |
| Interest Coverage | 1.33 | 1.57 | 1.63 | 1.27 | 0.84 | 0.98 | 1.84 | 1.74 | 1.18 | 1.57 | 1.79 | 2.26 | 2.89 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 16 years · Updated daily
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Quick answers to the most common questions about buying BVFL stock.
BV Financial, Inc.'s current P/E is 14.2x. The average P/E over the last 4 quarters is 12.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
BV Financial, Inc.'s current operating margin is 32.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking BV Financial, Inc.'s business trajectory between earnings reports.