BV Financial, Inc. BVFL

20.87 0.06 0.29% as of 25 Sep
Market cap
$176.3M
P/E
13.6×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.97
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — 1 6 5 — — —
Insider Ownership 21.88%

Capital & Financial Ratios

Market Cap 176.27
Revenue 52.32
Net Income 13.09
Free Cash Flow 17.94
Net Debt (69.97)
Current Ratio 1.15
Debt/Equity 0.00
P/E ratio 13.55
P/S ratio 3.20
P/B ratio 0.91
Past 5Y EPS Growth 23.38%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2018 0.15
0.05
0.05
0.05
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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%

Revenue

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

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

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
4.02 4.12 4.91 8.82 6.89 10.58 13.13 9.65 10.14 13.53

Analyst estimates 2026–2028

Powerpack
Low Price
4.70 9.14 9.96 13.06 12.40 13.72 16.33 22.86 18.19 19.74
High Price
— — — — — — 117 107 113 99
Employees
— — 0 0 0 0 0 0 0 1
Revenue/Emp
— — 6 11 23 32 39 47 49 52
Revenue
— — 0.00% 0.00% 87.46% 88.24% 91.21% 80.52% 76.63% 75.57%
Gross Margin
— — 1 3 9 13 15 19 16 19
EBT
— — 18.39% 30.58% 38.83% 40.39% 37.30% 39.47% 33.35% 35.98%
EBT Margin
— — 0 2 8 9 11 14 12 13
Net Income
— — — — 0 (2) (1) 1 2 1
Depreciation
— — 2.14 1.70 3.26 4.46 4.91 4.42 4.61 5.59
Revenue/Sh
— — 0.03 0.38 1.08 1.33 1.32 1.47 1.10 1.44
Earnings/Sh
— — 0.64 0.18 0.71 1.49 1.22 1.42 1.50 2.03
Cash Flow/Sh
— — 0.00 0.00 0.01 (0.07) 0.06 0.28 (0.06) (0.03)
Capex/Sh
— — 0.64 0.18 0.71 1.41 1.28 1.71 1.45 2.00
Free CF/Sh
— — 7.24 10.26 10.42 11.72 12.30 18.64 18.31 19.60
Book Value/Sh
— — 3 6 7 7 8 11 11 9
Shares
— — 12.34 12.34 12.34 12.34 12.34 9.09 15.80 12.26
PE Ratio
— — 0.00 0.00 0.00 0.00 3.33 3.23 3.74 3.25
PS Ratio
— — 0.00 0.00 0.00 0.00 1.33 0.77 0.94 0.93
PB Ratio
— — 0.00 0.00 0.00 0.00 1.84 2.44 2.57 2.80
EV/Sales
— — 0.00 0.00 0.00 0.00 7.09 6.33 8.20 7.81
EV/FCF
— — 2 1 5 11 10 15 16 19
Op' Cash Flow
— — 0 0 0 (1) 0 3 (1) 0
Capex
— — 2 1 5 10 10 18 15 19
FCF
— — — — 29 19 47 140 153 134
Working Cap'
— — 3 3 55 38 12 — 15 35
Total Debt
— — 3 3 (39) (74) (58) (75) (57) (23)
Net Debt
— — 22 66 74 83 98 199 195 184
Sh' Equity
— — 0.00% 1.07% 1.38% 1.16% 1.27% 1.58% 1.30% 1.48%
ROA
— — 0.00% 0.00% 15.88% 84.27% 22.80% 9.35% 7.42% 7.35%
ROIC
— — 0.00% 5.64% 10.92% 11.99% 11.62% 9.24% 5.94% 7.12%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

BV Financial, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

BV Financial, Inc. (BVFL) key facts

  • BV Financial, Inc. (BVFL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • BV Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $52.4 million, up 6.57% from fiscal 2024.
  • As of September 25, 2026, BVFL traded at $20.87, a market capitalization of $176.3 million.
  • Return on equity was 7.12% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

BV Financial, Inc. (BVFL) Latest News

News by impact score

Fine-tune

24 Jul

3

BV Financial, Inc. announced its financial results. Earnings releases update performance metrics that can moderately shift market views and valuation.

30 Apr

3

BV Financial, Inc. (BVFL) stock fell 2% after March quarter earnings declined year-over-year. Year-over-year earnings decline triggered a 2% stock drop, moderately affecting financial performance and investor sentiment.

24 Apr

3

BV Financial, Inc. (BVFL) announced its financial results. Financial results announcements impact key financial performance metrics and investor sentiment.

7 Apr

4

BV Financial, Inc. (BVFL) upgraded to Outperform by analysts citing strong asset quality and robust loan growth. Analyst upgrade to Outperform on asset quality and loan growth signals significant positive shift in investor sentiment and stock trajectory.

29 Jan

4

BV Financial, Inc. (BVFL) reported a significant year-over-year increase in Q4 earnings, primarily driven by a recovery in credit losses. The company's financial performance reflects improved asset quality and effective management strategies, contributing to a positive outlook for future growth. The recovery in credit losses indicates a significant improvement in financial health, likely influencing future performance and investor sentiment.

23 Jan

4

BV Financial, Inc. (BVFL) reported its financial results for the recent quarter, highlighting key metrics such as revenue growth and net income. The company experienced an increase in assets and improved operational efficiency, contributing to a positive outlook for future performance. Management expressed confidence in sustaining growth and enhancing shareholder value through strategic initiatives. The financial results indicate significant growth and operational improvements that could positively influence the company's future trajectory.

9 Jan

4

BV Financial, Inc. (NASDAQ:BVFL) is significantly influenced by institutional ownership, which holds 51% of the company's shares. This dominance suggests that institutional investors play a crucial role in the company's governance and strategic direction, potentially impacting its future performance and market dynamics. The high level of institutional ownership is likely to significantly influence the company's strategic decisions and investor sentiment.

4 Dec

4

BV Financial's (NASDAQ:BVFL) investors have seen a favorable 32% return over the last year. The significant return on investment for BV Financial's investors indicates a potential major impact on future performance and investor sentiment.

3

BV Financial, Inc. (BVFL) has seen a 23% increase in its stock price over the past six months, prompting discussions about its investment potential. Analysts are evaluating the company's financial health and market position, considering factors such as recent performance trends and broader economic conditions. Investors are weighing the stock's growth prospects against potential risks, leading to varied opinions on whether to buy or hold shares. The stock's recent performance indicates moderate influence on investor sentiment and potential financial outcomes.

29 Nov

3

Investors in BV Financial, Inc. (NASDAQ:BVFL) have experienced a 19% loss over the past three years. The company's stock performance has raised concerns among shareholders, reflecting broader challenges in the financial sector. Analysts suggest that various market factors may have contributed to this decline, impacting investor sentiment and future outlook. The 19% loss over three years indicates a moderately noticeable influence on investor sentiment and financial performance.

23 Oct

4

BV Financial, Inc. (BVFL) reported a year-over-year increase in Q3 earnings, driven by loan growth. The company's stock rose by 14% following the announcement, reflecting positive market sentiment regarding its financial performance. Loan growth and increased earnings are significant indicators of the company's financial health and future performance.

19 Oct

3

BV Financial, Inc. (BVFL) has reported a decline in its net profit margin, raising concerns about its previously bullish quality narrative. The decrease in profitability may challenge investor confidence and impact the company's financial outlook moving forward. The decline in net profit margin is expected to moderately influence financial performance and market sentiment.

17 Oct

3

BV Financial, Inc. (BVFL) reported its financial results for the recent quarter, highlighting key metrics such as revenue growth and net income. The company demonstrated a solid performance, with improvements in various financial indicators compared to the previous period. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The financial results indicate moderate improvements that may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.

17 Jul

3

BV Financial, Inc. reported a net income of $2.9 million for Q2 2025, down from $3.4 million in Q2 2024. For the first half of 2025, net income was $5.0 million compared to $6.0 million in the same period last year. Adjusted net income for Q2 2025 was $3.7 million, reflecting an increase from $3.4 million in Q2 2024. Total assets decreased to $908.3 million, primarily due to the repayment of $15 million in borrowings. Loans receivable rose to $751.6 million, while deposits increased to $658.9 million. Noninterest expenses rose significantly due to compensation costs related to equity awards. The company repurchased 277,000 shares at an average price of $15.29. The decrease in net income and rising noninterest expenses may moderately affect financial performance and investor sentiment.

24 Jun

3

BV Financial, Inc. (NASDAQ:BVFL) has attracted institutional investors, who hold 46% of the company's shares, indicating significant influence over its share price. A total of 12 investors own a majority stake, with AllianceBernstein L.P. being the largest shareholder at 10%. Hedge funds own 8.8% of shares, while insiders hold a substantial stake valued at $17 million. The general public holds 33% of the shares. Despite the institutional ownership suggesting credibility, there are risks associated with crowded trades. Analyst coverage is lacking, and the company shows one warning sign in investment analysis. Institutional ownership and insider stakes indicate potential influence on financial performance and market sentiment.

13 May

3

BV Financial, Inc. (NASDAQ:BVFL) shares have increased by 53% over the past year, outperforming the market's 12% return. However, the company's earnings per share (EPS) decreased by 19% during the same period, suggesting that investors may be focusing on other metrics. Despite a 30% decline in stock value over the last three years, the total shareholder return over one year is positive. The company's revenue remained stable, indicating a need for further analysis to understand the share price increase. Positive sentiment around the company has improved recently, but insider buying would enhance confidence in its future prospects. The significant share price increase amid declining EPS suggests a moderate influence on investor sentiment and potential future performance.

17 Apr

3

BV Financial, Inc. (BVFL) reported its financial results for the recent quarter, highlighting key metrics such as revenue growth and net income. The company experienced an increase in assets and improved operational efficiency, contributing to a positive outlook for future performance. Management expressed confidence in sustaining growth and enhancing shareholder value through strategic initiatives. The financial results indicate moderate growth and operational improvements that may positively influence the company's performance.

4 Apr

4

Finance stocks to sell before the next banking crisis: New York Community Bancorp, Meridian Corporation, and BV Financial, Inc. facing challenges. The article highlights significant financial challenges and potential impact on BV Financial, Inc.'s future performance.

3

BV Financial, Inc. (BVFL) has announced the adoption of a stock repurchase program, which has received regulatory non-objection. This program is intended to enhance shareholder value by allowing the company to buy back its own shares from the market. The stock repurchase program is expected to moderately influence financial performance and market sentiment.

27 Jan

3

BV Financial, Inc. (BVFL) has announced its financial results for the recent quarter, highlighting key metrics such as revenue growth and net income. The company reported an increase in earnings per share compared to the previous year, driven by improved operational efficiency and strategic investments. Management expressed optimism about future performance, citing ongoing initiatives aimed at enhancing customer service and expanding market reach. Overall, the results reflect a positive trajectory for BVFL amidst a competitive landscape. The financial results indicate moderate growth and operational improvements that may influence future performance.

21 Oct

3

BV Financial, Inc. reported a net income of $3.8 million for the quarter ended September 30, 2024, with slight improvements in various financial metrics. The company's total assets increased slightly, while non-accrual and delinquent loans decreased significantly. Net interest income also saw a positive trend. The financial results show moderately noticeable influence on the company's performance, with improvements in key metrics and asset quality.

7 Aug

4

BV Financial, Inc. (BVFL) is one of the worst performing bank stocks in 2023, along with other banks facing challenges due to high interest rates and economic turmoil. The article highlights significant challenges faced by BV Financial, Inc. and other banks due to high interest rates and economic turmoil, which could have a major impact on their future performance.

3

BV Financial, Inc.'s largest shareholders are individual investors with 49% ownership, institutions own 34%. Ownership structure may moderately influence company's future decisions and performance.

30 Jul

3

BV Financial, Inc. announces adoption of stock repurchase program for up to 10% of outstanding shares. The stock repurchase program may moderately influence the company's financial performance and market sentiment.

27 Jun

3

BV Financial (NASDAQ:BVFL) shareholders have endured a 35% loss from investing in the stock a year ago, despite a 14% increase in share price in the last quarter. The article highlights improved EPS and revenue growth, suggesting a moderately noticeable influence on the company's future performance.

22 Apr

3

BV Financial, Inc. reported a decrease in net income for the quarter ended March 31, 2024 compared to the same period in 2023. The financial results may moderately influence the company's performance and financial position.

14 Mar

4

BV Financial Inc. and Cullman Bancorp Inc. are highlighted as potential microcap regional bank stocks for investment due to their valuation and growth prospects. The article discusses potential strategic moves and growth opportunities that could significantly impact the future performance of BV Financial, Inc. and Cullman Bancorp Inc.

29 Feb

3

Retail investors own 57% of BV Financial, Inc. shares, while institutions own 34%. Hedge funds own 8.8%. The ownership breakdown may moderately influence the company's future decisions and performance.

19 Jan

4

BV Financial, Inc. (BVFL) shareholders have lost 47% over the last year despite revenue growth. The significant drop in share price and underperformance compared to the market indicate a major impact on the company's future and market performance.

29 Oct

3

BV Financial Third Quarter 2023 Earnings: EPS: US$0.35 (vs US$0.23 in 3Q 2022) Moderately noticeable influence expected on financial performance and profit margin due to increased revenue and higher EPS.

stockrow.com/BVFL · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com