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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. In the quarter to June 2026, revenue fell 2.37%, EPS grew 48.3% and free cash flow grew 1.43%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three.

21.72 0.03 −0.14%
Market cap
$184.2M
P/E
14.1×
Fwd P/E
—
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.97
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — 1 — 1 6 5 — — — —
Insider Ownership 21.88%

Capital & Financial Ratios $m

Market Cap 184.23
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 14.10
Fwd P/E —
P/S ratio 3.33
P/B ratio 0.95
Past 5Y EPS Growth 5.92%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 68.98%
10-year low 10-year high
P/S against its own 10 years 77.92%
10-year low 10-year high
P/B against its own 10 years 68.54%
10-year low 10-year high

Dividends

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

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%

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.

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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 4.70 9.14 9.96 13.06 12.40 13.72 16.33 22.86 18.19 19.74
People
People Employees — — — — — — 117 107 113 99
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.33 0.44 0.44 0.53
Income, $m
Income, $m Revenue — — 6 11 23 32 39 47 49 52
Gross margin, % — — 0.00 0.00 87.46 88.24 91.21 80.52 76.63 75.57
EBT — — 1 3 9 13 15 19 16 19
EBT margin, % — — 18.39 30.58 38.83 40.39 37.30 39.47 33.35 35.98
Net income — — 0 2 8 9 11 14 12 13
Depreciation — — — — 0 (2) (1) 1 2 1
Per share, $
Per share, $ Revenue — — 2.14 1.70 3.26 4.46 4.91 4.42 4.61 5.59
Earnings — — 0.03 0.38 1.08 1.33 1.32 1.47 1.10 1.44
Cash flow — — 0.64 0.18 0.71 1.49 1.22 1.42 1.50 2.03
Capex — — 0.00 0.00 0.01 (0.07) 0.06 0.28 (0.06) (0.03)
Free cash flow — — 0.64 0.18 0.71 1.41 1.28 1.71 1.45 2.00
Book value — — 7.24 10.26 10.42 11.72 12.30 18.64 18.31 19.60
Shares, m — — 3 6 7 7 8 11 11 9
Valuation, ×
Valuation, × P/E — — 12.34 12.34 12.34 12.34 12.34 9.09 15.80 12.26
P/S — — 0.00 0.00 0.00 0.00 3.33 3.23 3.74 3.25
P/B — — 0.00 0.00 0.00 0.00 1.33 0.77 0.94 0.93
EV/Sales — — 0.00 0.00 0.00 0.00 1.84 2.44 2.57 2.80
EV/FCF — — 0.00 0.00 0.00 0.00 7.09 6.33 8.20 7.81
Cash, $m
Cash, $m Operating cash flow — — 2 1 5 11 10 15 16 19
Capex — — 0 0 0 (1) 0 3 (1) 0
Free cash flow — — 2 1 5 10 10 18 15 19
Balance, $m
Balance, $m Working capital — — — — 29 19 47 140 153 134
Total debt — — 3 3 55 38 12 — 15 35
Net debt — — 3 3 (39) (74) (58) (75) (57) (23)
Shareholders’ equity — — 22 66 74 83 98 199 195 184
Returns, %
Returns, % ROA — — 0.00 1.07 1.38 1.16 1.27 1.58 1.30 1.48
ROIC — — 0.00 0.00 15.88 84.27 22.80 9.35 7.42 7.35
ROE — — 0.00 5.64 10.92 11.99 11.62 9.24 5.94 7.12
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CBFV CB Financial Services, Inc. $194.0M 26.3× 11.5× +11.11% (above 0%: growing) +7.59% (above 0%: growing) +89.91% (above 0%: growing) 70.87% 0.00% Compare
LARK Landmark Bancorp Inc. $192.5M 9.5× 5.6× +2.62% (above 0%: growing) +21.58% (above 0%: growing) +828.81% (above 0%: growing) 78.76% 0.00% Compare
BVFL BV Financial, Inc. $184.2M 14.1× — −2.37% (below 0%: shrinking) +48.28% (above 0%: growing) +1.43% (above 0%: growing) 78.95% 0.00%
SBFG SB Financial Group, Inc. $183.5M 11.0× 8.8× +5.49% (above 0%: growing) +20.00% (above 0%: growing) +255.74% (above 0%: growing) 72.32% 0.00% Compare
FNWD Finward Bancorp $181.0M 18.3× 12.2× +0.43% (above 0%: growing) −2.00% (below 0%: shrinking) +0.22% (above 0%: growing) 69.03% 0.00% Compare
ECBK ECB Bancorp, Inc. $173.4M 13.9× — +15.35% (above 0%: growing) +127.78% (above 0%: growing) +538.43% (above 0%: growing) 46.07% 0.00% Compare
MNSB MainStreet Bank $172.8M 11.8× 10.9× −6.70% (below 0%: shrinking) +9.43% (above 0%: growing) +286.64% (above 0%: growing) 57.99% 0.00% Compare
BAFN BayFirst Financial Corp. $170.8M — (loss-making) — −70.88% (below 0%: shrinking) n/m −99.45% (below 0%: shrinking) 27.34% 0.00% Compare
HNVR Hanover Bancorp, Inc. $170.6M 19.0× 11.2× −2.10% (below 0%: shrinking) +66.67% (above 0%: growing) +972.77% (above 0%: growing) 56.13% 0.00% Compare
Median of peers $177.2M 13.9× 11.1× +1.53% +20.00% +271.19% 63.51% 0.00%

All 323 Banks Regional stocks →

BV Financial, Inc. (BVFL) key facts

  • Strength: BV Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $52.4 million, up 6.57% from fiscal 2024.
  • BV Financial, Inc. (BVFL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, BVFL traded at $21.72, a market capitalization of $184.2 million.
  • Return on equity was 7.12% and debt-to-equity 0.00.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

BV Financial, Inc. (BVFL) Latest News

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