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BV Financial, Inc.

BVFL Financial Banks Regional

BV Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $52.4 million, up 6.57% from fiscal 2024.

Revenue
−2.37%
EPS
+48.3%
Free cash flow
+1.43%

Quarter to June 2026, against a year earlier

22.14 0.32 +1.47%
Market cap
$183.1M
P/E
14.2×
Fwd P/E
—
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.97
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 1 — 1 6 5 — — — — —
Insider Ownership 22.63%

Capital & Financial Ratios $m

Size
Market Cap 183.10
Revenue ttm 52.32
Net income ttm 13.09
Free cash flow ttm 17.94
Net debt Q (69.97)
Valuation
P/E 14.19
Forward P/E —
Price / sales 3.35
Forward P/S Powerpack
Price / FCF 9.77
Price / book 0.96
Financial health
Current ratio Q 1.15
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −2.37% (below 0%: shrinking)
Operating income growth Q +20.17% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +5.92%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 71.50%
10-year low 10-year high
P/S against its own 10 years 80.31%
10-year low 10-year high
P/B against its own 10 years 68.74%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
  1. 0.15 ’18
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 75 72 58 70
Receivables — — — —
Inventory — — — —
Other — — — —
774 805 810 777
2023 2024 2025 Q'26
Payables 634 651 676 676
ST’ Debt — — — —
Other — — — —
634 651 676 676

Compound Annual Growth %

10y 5y 3y
Sales — 17.75% 10.35%
Cash Flow — 30.51% 25.11%
Earnings — 12.04% 8.64%
Book Value — 19.95% 23.43%

EPS $

Mar Jun Sep Dec Year
’26 0.13 0.42 — — —
’25 0.21 0.29 0.41 0.56 1.43
’24 0.24 0.32 0.35 0.18 1.10
’23 0.42 0.52 0.35 0.28 1.47
’22 0.32 0.37 0.33 0.30 1.32
’21 — — — — 1.32
’20 — — — — 1.07
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 13 13 — — —
’25 12 13 13 14 52
’24 12 12 13 13 49
’23 10 12 13 12 47
’22 9 9 9 12 39
’21 — — — — 32
’20 — — — — 23
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 4 — — —
’25 5 4 6 3 19
’24 5 2 6 4 16
’23 4 57 (49) 3 15
’22 2 1 5 2 10
’21 — — — 11 11
’20 — — — 5 5
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 4 — — —
’25 5 4 6 4 19
’24 4 1 6 4 15
’23 4 59 (49) 4 18
’22 2 2 5 2 10
’21 — — — 10 10
’20 — — — 5 5
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 6 11 23 32 39 47 49 52 52 +35.0% — — — —
Gross margin, % — — 0.00 0.00 87.46 88.24 91.21 80.52 76.63 75.57 76.88 +75.6 pt
EBT — — 1 3 9 13 15 19 16 19 19 +48.6%
EBT margin, % — — 18.39 30.58 38.83 40.39 37.30 39.47 33.35 35.98 36.34 +17.6 pt
Net income — — 0 2 8 9 11 14 12 13 13 +104.2%
Per share, $
Per share, $ Revenue — — 2.14 1.70 3.26 4.46 4.91 4.42 4.61 5.59 6.53 +14.7%
Earnings — — 0.03 0.38 1.08 1.33 1.32 1.47 1.10 1.44 1.54 +73.9%
Cash flow — — 0.64 0.18 0.71 1.49 1.22 1.42 1.50 2.03 2.24 +18.0%
Capex — — 0.00 0.00 0.01 (0.07) 0.06 0.28 (0.06) (0.03) 0.00 n/m
Free cash flow — — 0.64 0.18 0.71 1.41 1.28 1.71 1.45 2.00 2.24 +17.8%
Book value — — 7.24 10.26 10.42 11.72 12.30 18.64 18.31 19.60 22.86 +15.3%
Shares, m — — 3 6 7 7 8 11 11 9 9 +17.7%
Valuation, ×
Valuation, × P/E — — 12.34 12.34 12.34 12.34 12.34 9.09 15.80 12.26 14.19 12.4
P/S — — 0.00 0.00 0.00 0.00 3.33 3.23 3.74 3.25 3.35 1.7
P/B — — 0.00 0.00 0.00 0.00 1.33 0.77 0.94 0.93 0.96 0.5
EV/Sales — — 0.00 0.00 0.00 0.00 1.84 2.44 2.57 2.80 — 1.2
EV/FCF — — 0.00 0.00 0.00 0.00 7.09 6.33 8.20 7.81 — 3.7
Cash, $m
Cash, $m Operating cash flow — — 2 1 5 11 10 15 16 19 18 +39.0%
Capex — — 0 0 0 (1) 0 3 (1) 0 0 +30.9%
Free cash flow — — 2 1 5 10 10 18 15 19 18 +38.7%
Balance, $m
Balance, $m Working capital — — — — 29 19 47 140 153 134 102 +36.3%
Net debt — — 3 3 (39) (74) (58) (75) (57) (23) (70) n/m
Shareholders’ equity — — 22 66 74 83 98 199 195 184 183 +35.7%
Returns, %
Returns, % ROA — — 0.00 1.07 1.38 1.16 1.27 1.58 1.30 1.48 1.47 +1.5 pt
ROIC — — 0.00 0.00 15.88 84.27 22.80 9.35 7.42 7.35 10.49 +7.4 pt
ROE — — 0.00 5.64 10.92 11.99 11.62 9.24 5.94 7.12 6.87 +7.1 pt
People
People Employees — — — — — — 117 107 113 99 — (5.4%)
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.33 0.44 0.44 0.53 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

BV Financial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RBKB Rhinebeck Bancorp, Inc. $203.3M 18.1× — +2.17% (above 0%: growing) −5.03% (below 0%: shrinking) +145.41% (above 0%: growing) 71.31% 0.00% Compare
FGBI First Guaranty Bancshares, Inc. $196.0M — (loss-making) 20.6× −5.84% (below 0%: shrinking) n/m +17.37% (above 0%: growing) 45.46% 0.00% Compare
LARK Landmark Bancorp Inc. $193.6M 9.6× 9.2× +2.62% (above 0%: growing) +21.58% (above 0%: growing) +828.81% (above 0%: growing) 78.76% 0.00% Compare
ECBK ECB Bancorp, Inc. $188.3M 15.3× — +15.35% (above 0%: growing) +127.78% (above 0%: growing) +538.43% (above 0%: growing) 46.07% 0.00% Compare
FNWD Finward Bancorp $188.2M 19.0× 16.5× +0.43% (above 0%: growing) −2.00% (below 0%: shrinking) +0.22% (above 0%: growing) 69.03% 0.00% Compare
FINW FinWise Bancorp $187.9M 13.5× 19.5× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
BVFL BV Financial, Inc. $183.1M 14.2× — −2.37% (below 0%: shrinking) +48.28% (above 0%: growing) +1.43% (above 0%: growing) 78.95% 0.00%
BAFN BayFirst Financial Corp. $179.3M — (loss-making) — −70.88% (below 0%: shrinking) n/m −99.45% (below 0%: shrinking) 27.34% 0.00% Compare
SBFG SB Financial Group, Inc. $179.2M 10.7× 11.9× +9.21% (above 0%: growing) 0.00% −28.66% (below 0%: shrinking) 71.79% 0.00% Compare
Median of peers $188.2M 14.4× 16.5× +2.40% −1.00% +8.80% 70.17% 0.00%

All 327 Banks Regional stocks →

BV Financial, Inc. (BVFL) Latest News

29 Oct

Impact 3 · · Zacks

25 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Zacks
Impact 3 · · ACCESS Newswire

14 Oct

Impact 3 · · Zacks

24 Jul

Impact 3 ·

30 Apr

Impact 3 · · Zacks

24 Apr

Impact 3 · · ACCESS Newswire

7 Apr

Impact 4 · · Zacks

29 Jan

Impact 4 · · ZacksZacksMarketBeat

23 Jan

Impact 4 · · ACCESS Newswire

9 Jan

Impact 4 ·

4 Dec

Impact 4 ·
Impact 3 · · ZacksZacksZacksZacksZacksGuruFocus.comStockStory

29 Nov

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

19 Oct

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.

17 Oct

Impact 3 · · ACCESS NewswireGuruFocus.comGuruFocus.comZacks

17 Jul

Impact 3 · · ACCESS Newswire

24 Jun

Impact 3 · · Simply Wall St.

13 May

Impact 3 · · Simply Wall St.

17 Apr

Impact 3 ·

4 Apr

Impact 4 · · InvestorPlace
Impact 3 ·

27 Jan

Impact 3 · · ACCESS Newswire

21 Oct

Impact 3 · · ACCESSWIRE

7 Aug

Impact 3 · · Simply Wall St.

30 Jul

Impact 3 · · ACCESSWIRE

27 Jun

Impact 3 · · Simply Wall St.

22 Apr

Impact 3 · · ACCESSWIRE

14 Mar

Impact 4 · · Zacks
stockrow.com/BVFL · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com