BVFL
BV Financial, Inc.
Price Chart
Latest Quote
$20.34
+0.46 (+2.31%)
Current Price
| Previous Close | $19.88 |
| Open | $20.00 |
| Day High | $20.44 |
| Day Low | $19.63 |
| Volume | 99,812 |
Stock Information
| Shares Outstanding | 8.66M |
| Total Debt | $35.69M |
| Cash Equivalents | $74.58M |
| Revenue | $42.82M |
| Net Income | $12.49M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $176.12M |
| P/E Ratio | 15.07 |
| EPS (TTM) | $1.35 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $125.15M |
| Sales | $42.82M |
| Income | $12.49M |
| Book/sh | $22.51 |
| Cash/sh | $8.61 |
| Employees | 99 |
Financial Ratios
| EPS Growth TTM | -48.00% |
Returns & Margins
| ROA | 1.36% |
| ROE | 6.54% |
| Operating Margin | 22.56% |
| Profit Margin | 29.16% |
Ownership
| Insider Ownership | 25.10% |
| Institutional Ownership | 39.15% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.11 |
| P/B | 0.90 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $19.88 |
| SMA50 | $19.86 |
| SMA200 | $18.41 |
| RSI | 57.35 |
| ATR | 0.7693 |
| Shares Float | 6.85M |
| Short Float | 1.55% |
| Short Ratio | 9.84 |
| Volatility | 0.10 |
| Rel Volume | 3.96 |
Performance History
| Week | +3.20% |
| Month | +2.78% |
| Quarter | +9.83% |
| 6 Months | +4.31% |
| YTD | +11.94% |
| Year | +44.15% |
| 3 Years | +47.58% |
| 5 Years | +73.18% |
| 10 Years | +384.92% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $20.34 | 108,700 |
| 2026-06-17 | $19.88 | 9,900 |
| 2026-06-16 | $20.11 | 25,400 |
| 2026-06-15 | $20.35 | 18,200 |
| 2026-06-12 | $20.00 | 19,600 |
| 2026-06-11 | $19.71 | 29,200 |
| 2026-06-10 | $20.23 | 121,700 |
| 2026-06-09 | $19.80 | 68,300 |
| 2026-06-08 | $19.53 | 10,600 |
| 2026-06-05 | $20.19 | 8,800 |
| 2026-06-04 | $20.10 | 17,800 |
| 2026-06-03 | $19.37 | 16,200 |
| 2026-06-02 | $19.78 | 17,500 |
| 2026-06-01 | $19.65 | 7,500 |
| 2026-05-29 | $19.63 | 10,100 |
| 2026-05-28 | $19.91 | 14,500 |
| 2026-05-27 | $19.76 | 13,000 |
| 2026-05-26 | $19.86 | 9,100 |
| 2026-05-22 | $19.79 | 16,500 |
| 2026-05-21 | $19.69 | 6,100 |
| 2026-05-20 | $19.57 | 16,800 |
| 2026-05-19 | $19.79 | 6,800 |
About BV Financial, Inc.
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts 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; personal credit cards; 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. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
đ° Latest News
BV Financial Stock Falls 2% as March Quarter's Earnings Fall Y/Y
Zacks âĸ 2026-04-30T16:37:00Z
The Zacks Analyst Blog Highlights AstraZeneca, HSBC, Walt Disney, Oak Valley Bancorp and BV Financial
Zacks âĸ 2026-04-08T14:02:00Z
Top Research Reports for AstraZeneca, HSBC & Walt Disney
Zacks âĸ 2026-04-07T20:29:00Z
BVFL Upgraded to Outperform on Asset Quality, Loan Growth
Zacks âĸ 2026-04-07T17:31:00Z
BV Financial's Q4 Earnings Soar Y/Y on Credit Loss Recovery
Zacks âĸ 2026-01-29T17:29:00Z
With 51% ownership of the shares, BV Financial, Inc. (NASDAQ:BVFL) is heavily dominated by institutional owners
Simply Wall St. âĸ 2026-01-09T10:54:52Z
BV Financial Rallies 23% in Six Months: Should You Buy the Stock?
Zacks âĸ 2025-12-04T16:28:00Z
BV Financial (NASDAQ:BVFL) investors are sitting on a loss of 19% if they invested three years ago
Simply Wall St. âĸ 2025-11-29T12:17:40Z
The Zacks Analyst Blog Highlights Walmart, Intuitive Surgical, Lam Research and BV Financial
Zacks âĸ 2025-11-20T12:43:00Z
Top Stock Reports for Walmart, Intuitive Surgical & Lam Research
Zacks âĸ 2025-11-19T21:13:00Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $39,655,000 | $37,703,000 | $37,798,000 | $35,339,000 |
| Operating Revenue | $39,655,000 | $37,703,000 | $37,798,000 | $35,339,000 |
| Expenses | ||||
| Interest Expense | $12,806,000 | $11,495,000 | $9,190,000 | $3,430,000 |
| Selling And Marketing Expense | $37,000 | $23,000 | $43,000 | $23,000 |
| General And Administrative Expense | $16,567,000 | $14,331,000 | $12,593,000 | $10,349,000 |
| Professional Expense And Contract Services Expense | $933,000 | $1,008,000 | $886,000 | $607,000 |
| Other Non Interest Expense | $3,476,000 | $3,943,000 | $3,675,000 | $6,735,000 |
| Operating Expense | - | - | $19,409,000 | $19,994,000 |
| Other Operating Expenses | - | - | $3,675,000 | $6,735,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Net Interest Income | $36,901,000 | $35,187,000 | $34,229,000 | $29,920,000 |
| Interest Income | $49,707,000 | $46,682,000 | $43,419,000 | $33,350,000 |
| Normalized Income | $13,499,290 | $11,723,000 | $13,046,808 | $10,346,142 |
| Net Income From Continuing And Discontinued Operation | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Net Income Common Stockholders | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Net Income | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Net Income Including Noncontrolling Interests | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Net Income Continuous Operations | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Pretax Income | $18,863,000 | $16,406,000 | $18,622,000 | $14,553,000 |
| Special Income Charges | $-32,000 | $0 | $188,000 | $246,000 |
| Depreciation Amortization Depletion Income Statement | $180,000 | $181,000 | $183,000 | $183,000 |
| Depreciation And Amortization In Income Statement | $180,000 | $181,000 | $183,000 | $183,000 |
| Amortization Of Intangibles Income Statement | $180,000 | $181,000 | $183,000 | $183,000 |
| Per Share | ||||
| Diluted EPS | $1.43 | $1.10 | $1.47 | $1.32 |
| Basic EPS | $1.44 | $1.10 | $1.47 | $1.32 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,710 | $0 | $236,808 | $68,142 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-6,000 | $0 | $897,000 | $246,000 |
| Total Unusual Items Excluding Goodwill | $-6,000 | $0 | $897,000 | $246,000 |
| Reconciled Depreciation | $813,000 | $1,003,000 | $1,052,000 | $1,043,000 |
| Diluted Average Shares | $9,437,063 | $10,657,273 | $9,324,490 | $7,972,000 |
| Basic Average Shares | $9,371,528 | $10,657,273 | $9,324,490 | $7,950,000 |
| Diluted NI Availto Com Stockholders | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Tax Provision | $5,368,000 | $4,683,000 | $4,915,000 | $4,029,000 |
| Other Special Charges | $32,000 | - | $-188,000 | $-246,000 |
| Gain On Sale Of Security | $385,000 | $402,000 | $641,000 | $1,492,000 |
| Amortization | $180,000 | $181,000 | $183,000 | $183,000 |
| Selling General And Administration | $16,604,000 | $14,354,000 | $12,636,000 | $10,372,000 |
| Insurance And Claims | $330,000 | $326,000 | $336,000 | $219,000 |
| Salaries And Wages | $16,237,000 | $14,005,000 | $12,257,000 | $10,130,000 |
| Occupancy And Equipment | $1,994,000 | $2,012,000 | $2,029,000 | $2,097,000 |
| Rent And Landing Fees | - | - | $2,029,000 | $2,097,000 |
| Restructuring And Mergern Acquisition | - | - | - | $260,000 |
| Write Off | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $168,733,000 | $180,248,000 | $183,633,000 | $82,136,000 |
| Total Assets | $912,213,000 | $911,821,000 | $885,254,000 | $844,963,000 |
| Goodwill And Other Intangible Assets | $15,071,000 | $15,251,000 | $15,432,000 | $15,615,000 |
| Other Intangible Assets | $651,000 | $831,000 | $1,012,000 | $1,195,000 |
| Receivables | $3,149,000 | $3,161,000 | $3,279,000 | $2,952,000 |
| Accounts Receivable | $3,149,000 | $3,161,000 | $3,279,000 | $2,952,000 |
| Cash And Cash Equivalents | $55,705,000 | $70,500,000 | $73,742,000 | $68,652,000 |
| Cash Financial | $5,616,000 | $5,842,000 | $9,260,000 | $12,704,000 |
| Cash Cash Equivalents And Federal Funds Sold | $55,705,000 | $70,500,000 | $73,742,000 | $68,652,000 |
| Investmentin Financial Assets | - | - | $44,990,000 | $43,495,000 |
| Debt | ||||
| Total Debt | $35,000,000 | $49,883,000 | $37,251,000 | $49,039,000 |
| Long Term Debt And Capital Lease Obligation | $35,000,000 | $49,883,000 | $37,251,000 | $49,039,000 |
| Long Term Debt | $35,000,000 | $49,883,000 | $37,251,000 | $49,039,000 |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Other Current Borrowings | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $728,409,000 | $716,322,000 | $686,189,000 | $747,212,000 |
| Equity | ||||
| Common Stock Equity | $183,804,000 | $195,499,000 | $199,065,000 | $97,751,000 |
| Total Equity Gross Minority Interest | $183,804,000 | $195,499,000 | $199,065,000 | $97,751,000 |
| Stockholders Equity | $183,804,000 | $195,499,000 | $199,065,000 | $97,751,000 |
| Other Equity Interest | $-6,978,000 | $-7,160,000 | $-7,328,000 | $-2,341,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,130,000 | $-1,621,000 | $-1,958,000 | $-2,341,000 |
| Other Equity Adjustments | $-1,130,000 | $-1,621,000 | $-1,958,000 | $-2,341,000 |
| Retained Earnings | $122,990,000 | $109,495,000 | $97,772,000 | $84,612,000 |
| Long Term Equity Investment | $404,000 | $391,000 | $256,000 | $221,000 |
| Other | ||||
| Ordinary Shares Number | $8,852,813 | $10,645,284 | $11,375,803 | $7,418,575 |
| Share Issued | $8,852,813 | $10,645,284 | $11,375,803 | $7,418,575 |
| Tangible Book Value | $168,733,000 | $180,248,000 | $183,633,000 | $82,136,000 |
| Invested Capital | $218,804,000 | $245,382,000 | $236,316,000 | $146,790,000 |
| Total Capitalization | $218,804,000 | $245,382,000 | $236,316,000 | $146,790,000 |
| Additional Paid In Capital | $68,834,000 | $94,679,000 | $110,465,000 | $15,406,000 |
| Capital Stock | $88,000 | $106,000 | $114,000 | $74,000 |
| Common Stock | $88,000 | $106,000 | $114,000 | $74,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $39,366,000 | $43,629,000 | $45,246,000 | $43,716,000 |
| Held To Maturity Securities | $3,144,000 | $5,813,000 | $10,209,000 | $10,461,000 |
| Available For Sale Securities | $10,685,000 | $10,987,000 | $34,781,000 | $33,034,000 |
| Goodwill | $14,420,000 | $14,420,000 | $14,420,000 | $14,420,000 |
| Net PPE | $12,493,000 | $13,224,000 | $14,250,000 | $15,176,000 |
| Accumulated Depreciation | $-6,239,000 | $-5,616,000 | $-4,893,000 | $-4,079,000 |
| Gross PPE | $18,732,000 | $18,840,000 | $19,143,000 | $19,255,000 |
| Leases | $693,000 | $688,000 | $317,000 | $306,000 |
| Machinery Furniture Equipment | $3,322,000 | $3,259,000 | $3,027,000 | $2,879,000 |
| Buildings And Improvements | $11,588,000 | $11,567,000 | $12,289,000 | $12,364,000 |
| Land And Improvements | $3,129,000 | $3,326,000 | $3,510,000 | $3,706,000 |
| Other Short Term Investments | $25,133,000 | $26,438,000 | $34,781,000 | $33,034,000 |
| Treasury Stock | - | - | - | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $18,787,000 | $15,452,000 | $15,039,000 | $9,212,000 |
| Operating Activities | ||||
| Operating Cash Flow | $19,024,000 | $16,063,000 | $15,194,000 | $9,714,000 |
| Cash Flow From Continuing Operating Activities | $19,024,000 | $16,063,000 | $15,194,000 | $9,714,000 |
| Operating Gains Losses | $30,000 | $-2,000 | $-188,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-237,000 | $-611,000 | $-155,000 | $-502,000 |
| Investing Cash Flow | $-13,293,000 | $-32,497,000 | $-35,173,000 | $-27,761,000 |
| Cash Flow From Continuing Investing Activities | $-13,293,000 | $-32,497,000 | $-35,173,000 | $-27,761,000 |
| Net Other Investing Changes | $-958,000 | $-740,000 | $3,608,000 | $5,842,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-30,023,000 | $-17,705,000 | $0 | - |
| Financing Cash Flow | $-20,526,000 | $13,192,000 | $25,069,000 | $-24,491,000 |
| Cash Flow From Continuing Financing Activities | $-20,526,000 | $13,192,000 | $25,069,000 | $-24,491,000 |
| Net Other Financing Charges | $-106,000 | $1,533,000 | $-3,427,000 | $-830,000 |
| Net Common Stock Issuance | $-30,023,000 | $-17,705,000 | $97,990,000 | $0 |
| Issuance Of Capital Stock | - | $0 | $97,990,000 | $0 |
| Common Stock Issuance | - | $0 | $97,990,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-50,000,000 | $-3,093,000 | $-37,500,000 | $-12,000,000 |
| Issuance Of Debt | $35,000,000 | $15,000,000 | $25,500,000 | $24,000,000 |
| Interest Paid Supplemental Data | $12,719,000 | $11,342,000 | $9,190,000 | $3,431,000 |
| Income Tax Paid Supplemental Data | $3,014,000 | $5,887,000 | $4,915,000 | $4,029,000 |
| End Cash Position | $55,705,000 | $70,500,000 | $73,742,000 | $68,652,000 |
| Beginning Cash Position | $70,500,000 | $73,742,000 | $68,652,000 | $111,190,000 |
| Changes In Cash | $-14,795,000 | $-3,242,000 | $5,090,000 | $-42,538,000 |
| Common Stock Payments | $-30,023,000 | $-17,705,000 | $0 | - |
| Net Issuance Payments Of Debt | $-15,000,000 | $11,907,000 | $-12,000,000 | $12,000,000 |
| Net Long Term Debt Issuance | $-15,000,000 | $11,907,000 | $-12,000,000 | $12,000,000 |
| Long Term Debt Payments | $-50,000,000 | $-3,093,000 | $-37,500,000 | $-12,000,000 |
| Long Term Debt Issuance | $35,000,000 | $15,000,000 | $25,500,000 | $24,000,000 |
| Net Investment Purchase And Sale | $4,869,000 | $1,827,000 | $-974,000 | $-2,352,000 |
| Sale Of Investment | $20,882,000 | $16,327,000 | $5,944,000 | $9,650,000 |
| Purchase Of Investment | $-16,013,000 | $-14,500,000 | $-6,918,000 | $-12,002,000 |
| Net PPE Purchase And Sale | $-237,000 | $-611,000 | $489,000 | $437,000 |
| Purchase Of PPE | $-237,000 | $-611,000 | $-155,000 | $-502,000 |
| Change In Working Capital | $1,767,000 | $829,000 | $1,143,000 | $158,000 |
| Change In Other Current Liabilities | $1,094,000 | $-1,403,000 | $1,442,000 | $-694,000 |
| Change In Receivables | $673,000 | $2,232,000 | $-299,000 | $852,000 |
| Changes In Account Receivables | $673,000 | $2,232,000 | $-299,000 | $852,000 |
| Other Non Cash Items | $-266,000 | $-234,000 | $-958,000 | $-1,583,000 |
| Stock Based Compensation | $4,342,000 | $2,079,000 | $868,000 | $258,000 |
| Deferred Tax | $1,150,000 | $-58,000 | $207,000 | $308,000 |
| Deferred Income Tax | $1,150,000 | $-58,000 | $207,000 | $308,000 |
| Depreciation Amortization Depletion | $813,000 | $1,003,000 | $1,052,000 | $1,043,000 |
| Depreciation And Amortization | $813,000 | $1,003,000 | $1,052,000 | $1,043,000 |
| Amortization Cash Flow | $180,000 | $181,000 | $183,000 | $183,000 |
| Amortization Of Intangibles | $180,000 | $181,000 | $183,000 | $183,000 |
| Depreciation | $633,000 | $822,000 | $869,000 | $860,000 |
| Net Income From Continuing Operations | $13,495,000 | $11,723,000 | $13,707,000 | $10,524,000 |
| Proceeds From Stock Option Exercised | - | $0 | $-7,328,000 | $1,000 |
| Net Business Purchase And Sale | - | $7,000 | $0 | $8,521,000 |
| Sale Of Business | - | $7,000 | $0 | $8,521,000 |
| Sale Of PPE | - | $0 | $644,000 | $939,000 |
| Gain Loss On Sale Of PPE | - | $0 | $-188,000 | $0 |
| Change In Other Current Assets | - | - | $-299,000 | $852,000 |
| Provisionand Write Offof Assets | - | - | $-45,000 | $1,038,000 |
| Purchase Of Business | - | - | - | - |
| Asset Impairment Charge | - | - | - | - |
Fetched: 2026-06-17