BV Financial, Inc. BVFL R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Trades at an undemanding P/E of 14.6.
Maintains a net profit margin of 30.2%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +5.5%, earnings +44.8%.
- 5-Year Trend Long-term compounding — profit CAGR 8.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 5.50% |
Compounded Profit Growth
| 5 Years: | 8.64% |
| 1 Year: | 44.80% |
Stock Price Performance
| 1 Year: | +33.47% |
| 6 Months: | +8.73% |
| 3 Months: | +3.18% |
| 1 Month: | +5.96% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)57.14 · Neutral
P/E of 14.60 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 30.2%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BVFL BV Financial, Inc. R2KFINANCIAL | 22.05 | 14.60 | $186.78M | 0.00% | - | 6.87% | - | 8.64% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 2.42M | 2.77M | 2.61M | 3.12M | 3.90M | 3.68M | 2.57M | 3.40M | 3.80M | 2.10M | 2.86M | 3.73M | 1.09M |
| Diluted EPS | 0.33 | 0.37 | 0.33 | 0.39 | 0.49 | 0.35 | 0.24 | 0.32 | 0.35 | 0.21 | 0.29 | 0.41 | 0.13 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Net Income | 10.52M | 13.71M | 11.72M | 13.49M |
| Diluted EPS | 1.32 | 1.47 | 1.09 | 1.43 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 844.96M | 885.25M | 911.82M | 912.21M |
| Total Equity | 83.45M | 97.75M | 199.06M | 195.50M | 183.80M |
| Cash & Equivalents | - | 68.65M | 73.74M | 70.50M | 55.70M |
| Long Term Debt | - | 49.04M | 37.25M | 49.88M | 35.00M |
| Total Liabilities | - | 747.21M | 686.19M | 716.32M | 728.41M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 9.71M | 15.19M | 16.06M | 19.02M |
| Investing Cash Flow | -27.76M | -35.17M | -32.50M | -13.29M |
| Financing Cash Flow | -24.49M | 25.07M | 13.19M | -20.53M |
| Capital Expenditure | -502.00K | -155.00K | -611.00K | -237.00K |
| Free Cash Flow | 9.21M | 15.04M | 15.45M | 18.79M |
| Share Buybacks | - | - | 17.70M | 30.02M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | - | - | - | - |
| ROE % | 10.8% | 6.9% | 6.0% | 7.3% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 9.03% | 764.93K | $16.25M |
| 2 | Blackrock Inc. | 7.01% | 593.53K | $12.61M |
| 3 | Vanguard Capital Management LLC | 3.61% | 305.94K | $6.50M |
| 4 | Geode Capital Management, LLC | 2.06% | 174.35K | $3.70M |
| 5 | Gendell, Jeffrey L. | 1.67% | 141.26K | $3.00M |
| 6 | Oppenheimer & Close, LLC | 1.59% | 134.53K | $2.86M |
| 7 | Dimensional Fund Advisors LP | 1.52% | 128.69K | $2.73M |
| 8 | Arrowstreet Capital, Limited Partnership | 1.36% | 115.25K | $2.45M |
| 9 | State Street Corporation | 1.19% | 100.80K | $2.14M |
| 10 | Stilwell Value LLC | 0.94% | 80.00K | $1.70M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BVFL
A $9.3 million stock buyback over nine months coincided with $3.4 million quarterly profit at BV Financial. - Stock Titan
<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxQZTlRdDZodUJhZWFwTTk5M2ZUeVBHT2pqMURrNk1OQkhHakNaQUJuQjROVzRfdWZ1VzlCOVQ5cmlWWUVJSGVjS1ZueThWOWNxNUVoRzRwblVZMkVGeW1zY2VVVl9paUhLTWM0ampkbXl6UXBuVlB5Z2JMdFpmc21OdzA3NTNua3RqeEY4Tz…
BV Financial, Inc. Announces Financial Results - TradingView
<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxPTVNJbnA0RUY0ZnRMbHFITEVhTUJlRjMyd0NaX010dDBad3kwUm85Zmh6YldTTV9BZkJrRXZXMzgyQlV3S3JOcXJtc25kUnFfTkc2STROSFFZeEJHMnAxNmhPRktpMmk4NklNQmUxaVNjVk1idWNCcDVTeEtrUVY5Nzl6bTFIcjFnRkZYV2…
BV Financial Q3 Net Income Falls to $3.4 Million, EPS $0.42 - Quiver Quantitative
<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxPaGE3MDNIcGoxYk9PRm5ERFFGZldSV3FXQVp3bFdhWGUyLWJHZF9kQzNkSU82VGpmU1hlVDctbmJ6Rk5GZjVEU1k3REFYX20xVE1ua2M1TE9acy1SdlFjSUt4djd4TU5tMTg5aUZyQkhLWG9EbGhBdFBFQWJhUlE1RGp4dnZ0TzFQdTJjX2…
Is BVFL's Low EV/Sales Ratio a Hidden Gem for Investors or a Value Trap? - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMikwFBVV95cUxPRjUzUFhHbDRYVnZORVcxeXNpX202R1JvZkk2aDdaZlcxNld3VlgyUTZ0cXJtVGt4X0tONUVJbHhEamlMSDNhMjFwTkp2OUc1aHc5UnFDOUNhWGFQc0lnRFh6eDRUQlgxczNhckZLUl9FT0h1ZGdPWm9yMTlZaTV5MjNYZTJqR1l1THhIWE…
Diluted EPS rises to $0.42 at BV Financial (BVFL), but quarterly net income falls. - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaGZRSnhscS1vQ2Z1cktrWENNbFhfeldreTFBZDgzUVdCbmpaVlpaY3FmSlpjOXRySjJIX0I5c25QZWZHZGhIbkRSaHNmNEhrTTRYUUtkMkJ2bWFSQ015ZERQanpxdnFVQXk4dFctOW1NMV9aRzlUTVpYeERPOE41aUZTdHZBMkVOT3F2Zk…
(BVFL) Movement Within Algorithmic Entry Frameworks - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxNUXMxSHB2T3drVUFtLVZrbkY3Nk5PVnVDLXotdmRiM0p6eWpSeTdxZjJiN0lBcFhxVzkyVHk0cVBEcU5KUnJlS3dWclFLVExiZHBISUNJWlFUTi16SzJqRGtYckRGY0lKaG1QMG52U3V0dEhybmFqVmVYLWI1VjJMVjJka2hxTUthMFpFTm…
BVFL — Frequently Asked Questions
What is the current share price of BV Financial, Inc. (BVFL)?
As of 2026-10-23 16:27 PDT, BV Financial, Inc. (BVFL) trades at $22.05 on NasdaqCM. Its 52-week range is $14.63 to $22.57.
What is the market capitalisation of BVFL?
BV Financial, Inc. (BVFL) has a market capitalisation of $186.78M on NasdaqCM.
What is the P/E ratio of BVFL?
BVFL trades at a trailing price-to-earnings (P/E) ratio of 14.60. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.93.
What is the return on equity (ROE) of BVFL?
BVFL has a return on equity (ROE) of 6.87%.
Is BVFL a good stock to buy?
This page provides a data-driven analysis of BV Financial, Inc. (BVFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.