BV Financial, Inc.

BVFL

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

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Company Profile

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.

Valuation

Market Cap$172M

Current Price$19.64

P/E Ratio14.55

P/B Ratio853.91

EV / EBITDA-

EV / Sales3739.93

Profitability

Operating Margin-

Net Profit Margin34.0%

EBITDA Margin-

Returns

ROE7.3%

ROCE-

ROIC %-

ROA1.5%

Solvency

Current Ratio-

Debt / Equity0.19

Debt / Assets0.04

CFO / Net Profit1.41

Price History▲ 26.71% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

No margin data.

Growth Summary

Latest fiscal year: 2025

Revenue$40M▲ 5.2%

EBITDA-

Net Profit$13M▲ 15.1%

Cash from Ops (CFO)$19M

Free Cash Flow (FCF)$19M

Revenue CAGR 3Y-

Revenue CAGR 5Y-

Net Profit CAGR 3Y-

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$40M	-	$13M	$19M	7.3%	5.2%	15.1%
2024	$38M	-	$12M	$15M	6.0%	-0.3%	-14.5%
2023	$38M	-	$14M	$15M	6.9%	7.0%	30.2%
2022	$35M	-	$11M	$9M	10.8%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2022	2023	2024	2025
Total Revenue	35.34	37.80	37.70	39.66
Operating Expense	19.99	19.41	0	0
Pretax Income	14.55	18.62	16.41	18.86
Tax Provision	4.03	4.92	4.68	5.37
Net Income	10.52	13.71	11.72	13.49
Net Income Common Stockholders	10.52	13.71	11.72	13.49
Interest Expense	3.43	9.19	11.49	12.81
Interest Income	33.35	43.42	46.68	49.71
Selling General And Administration	10.37	12.64	14.35	16.60
Normalized Income	10.35	13.05	11.72	13.50
Basic EPS	1.32	1.47	1.10	1.44
Diluted EPS	1.32	1.47	1.10	1.43
Tax Effect Of Unusual Items	0.07	0.24	0	0
Tax Rate For Calcs	0.28	0.26	0.29	0.28
Total Unusual Items	0.25	0.90	0	-0.01
Total Unusual Items Excluding Goodwill	0.25	0.90	0	-0.01
Net Income From Continuing Operation Net Minority Interest	10.52	13.71	11.72	13.49
Reconciled Depreciation	1.04	1.05	1	0.81
Net Interest Income	29.92	34.23	35.19	36.90
Net Income From Continuing And Discontinued Operation	10.52	13.71	11.72	13.49
Diluted Average Shares	7.97	9.32	10.66	9.44
Basic Average Shares	7.95	9.32	10.66	9.37
Diluted NI Availto Com Stockholders	10.52	13.71	11.72	13.49
Net Income Including Noncontrolling Interests	10.52	13.71	11.72	13.49
Net Income Continuous Operations	10.52	13.71	11.72	13.49
Special Income Charges	0.25	0.19	0	-0.03
Other Special Charges	-0.25	-0.19	0	0.03
Write Off	0	0	0	0
Restructuring And Mergern Acquisition	0.26	0	0	0
Gain On Sale Of Security	1.49	0.64	0.40	0.39
Other Operating Expenses	6.74	3.67	0	0
Depreciation Amortization Depletion Income Statement	0.18	0.18	0.18	0.18
Depreciation And Amortization In Income Statement	0.18	0.18	0.18	0.18
Amortization	0.18	0.18	0.18	0.18
Amortization Of Intangibles Income Statement	0.18	0.18	0.18	0.18
Selling And Marketing Expense	0.02	0.04	0.02	0.04
General And Administrative Expense	10.35	12.59	14.33	16.57
Insurance And Claims	0.22	0.34	0.33	0.33
Rent And Landing Fees	2.10	2.03	0	0
Salaries And Wages	10.13	12.26	14.01	16.24
Operating Revenue	35.34	37.80	37.70	39.66
Occupancy And Equipment	2.10	2.03	2.01	1.99
Professional Expense And Contract Services Expense	0.61	0.89	1.01	0.93
Other Non Interest Expense	6.74	3.67	3.94	3.48

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
BV Financial, Inc.this co.	BVFL	$172M	14.55↑ premium	853.91	7.3%	-
CB Financial Services, Inc.	CBFV	$182M	27.60	1.15	3.1%	-
Eagle Bancorp Montana, Inc.	EBMT	$181M	11.38	0.93	7.7%	-
First Capital, Inc.	FCAP	$179M	10.25	1.30	11.9%	-
BCB Bancorp, Inc.	BCBP	$179M

Learn while you research

Hand-picked academy chapters to deepen your understanding of BV Financial, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$40M

$13M

$19M

7.3%

5.2%

15.1%

2024

$38M

$12M

$15M

6.0%

-0.3%

-14.5%

2023

$38M

$14M

$15M

6.9%

7.0%

30.2%

2022

$35M

$11M

$9M

10.8%

Metric

2022

2023

2024

2025

Total Revenue

35.34

37.80

37.70

39.66

Operating Expense

19.99

19.41

Pretax Income

14.55

18.62

16.41

18.86

Tax Provision

4.03

4.92

4.68

5.37

Net Income

10.52

13.71

11.72

13.49

Net Income Common Stockholders

10.52

13.71

11.72

13.49

Interest Expense

3.43

9.19

11.49

12.81

Interest Income

33.35

43.42

46.68

49.71

Selling General And Administration

10.37

12.64

14.35

16.60

Normalized Income

10.35

13.05

11.72

13.50

Basic EPS

1.32

1.47

1.10

1.44

Diluted EPS

1.32

1.47

1.10

1.43

Tax Effect Of Unusual Items

0.07

0.24

Tax Rate For Calcs

0.28

0.26

0.29

0.28

Total Unusual Items

0.25

0.90

-0.01

Total Unusual Items Excluding Goodwill

0.25

0.90

-0.01

Net Income From Continuing Operation Net Minority Interest

10.52

13.71

11.72

13.49

Reconciled Depreciation

1.04

1.05

0.81

Net Interest Income

29.92

34.23

35.19

36.90

Net Income From Continuing And Discontinued Operation

10.52

13.71

11.72

13.49

Diluted Average Shares

7.97

9.32

10.66

9.44

Basic Average Shares

7.95

9.32

10.66

9.37

Diluted NI Availto Com Stockholders

10.52

13.71

11.72

13.49

Net Income Including Noncontrolling Interests

10.52

13.71

11.72

13.49

Net Income Continuous Operations

10.52

13.71

11.72

13.49

Special Income Charges

0.25

0.19

-0.03

Other Special Charges

-0.25

-0.19

0.03

Write Off

Restructuring And Mergern Acquisition

0.26

Gain On Sale Of Security

1.49

0.64

0.40

0.39

Other Operating Expenses

6.74

3.67

Depreciation Amortization Depletion Income Statement

0.18

Depreciation And Amortization In Income Statement

0.18

Amortization

0.18

Amortization Of Intangibles Income Statement

0.18

Selling And Marketing Expense

0.02

0.04

0.02

0.04

General And Administrative Expense

10.35

12.59

14.33

16.57

Insurance And Claims

0.22

0.34

0.33

Rent And Landing Fees

2.10

2.03

Salaries And Wages

10.13

12.26

14.01

16.24

Operating Revenue

35.34

37.80

37.70

39.66

Occupancy And Equipment

2.10

2.03

2.01

1.99

Professional Expense And Contract Services Expense

0.61

0.89

1.01

0.93

Other Non Interest Expense

6.74

3.67

3.94

3.48

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

BV Financial, Inc.this co.

BVFL

$172M

14.55↑ premium

853.91

7.3%

CB Financial Services, Inc.

CBFV

$182M

27.60

1.15

3.1%

Eagle Bancorp Montana, Inc.

EBMT

$181M

11.38

0.93

7.7%

First Capital, Inc.

FCAP

$179M

10.25

1.30

11.9%

BCB Bancorp, Inc.

BCBP

$179M

BV Financial, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

BV Financial, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on