BV Financial, Inc. (BVFL) Price & Analysis

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BVFL Stock Chart & Stats

$18.13

-$0.05(-0.29%)

At close: Jan 08 4:00 PM EST

$18.13

-$0.05(-0.29%)

Day’s Range― - ―

52-Week Range$13.53 - $19.88

Previous CloseN/A

Volume8.41K

Average Volume (3M)42.03K

Market Cap

$170.24M

Enterprise Value$199.09M

Total Cash (Recent Filing)$40.54M

Total Debt (Recent Filing)$35.00M

Price to Earnings (P/E)13.1

Beta0.54

Next Earnings

Apr 16, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.56

Shares Outstanding8,903,927

10 Day Avg. Volume24,476

30 Day Avg. Volume42,032

Financial Highlights & Ratios

PEG Ratio-0.62

Price to Book (P/B)0.94

Price to Sales (P/S)3.74

P/FCF Ratio11.90

Enterprise Value/Market Cap1.17

Enterprise Value/Revenue3.89

Enterprise Value/Gross Profit5.15

Enterprise Value/Ebitda12.90

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Consistent Cash GenerationConsistently positive operating and free cash flow indicate high earnings quality and internal funding capacity. Over 2–6 months this supports organic loan growth, capital accumulation, and reserve funding without reliance on volatile external financing, enhancing resilience to rate cycles.

Conservative Balance Sheet And Rising CapitalA conservatively positioned balance sheet with materially higher equity since 2020 provides regulatory buffers and room to support credit growth. Improved capital cushions loss absorption and enables measured expansion of lending activities while preserving franchise stability over the medium term.

Revenue Expansion And Healthy MarginsSustained revenue growth and historically healthy net margins demonstrate durable franchise economics. Even with margin variability, expanding top-line supports scale benefits, funds reinvestment and provisioning, and underpins medium-term earnings power if management preserves asset quality.

Bears Say

Profitability Has Cooled Since 2023A step-down in net income and margins versus 2023 suggests structural pressure from funding costs, loan mix shifts, or fee compression. If sustained, this can reduce return on equity and limit capital deployment, forcing tighter expense control or repricing to restore returns over the medium term.

Leverage Reporting InconsistencyInconsistent leverage reporting obscures the true balance sheet risk and complicates capital planning. Over months this increases uncertainty for creditors, investors, and regulators, and may mask rising funding or liquidity strains until reconciled and transparently disclosed.

Executive Leadership ChangeThe Co-CEO departure introduces governance and strategic continuity risk. While consulting ties mitigate knowledge loss, extended transitional arrangements can delay decisive strategy execution, affecting long-term initiatives, capital allocation, and stakeholder confidence during the leadership transition period.

BV Financial, Inc. News

BV Financial Co-CEO David Flair Resigns, Becomes Consultant

BV Financial, Inc. ( ($BVFL) ) just unveiled an announcement. On January 22, 2026, BV Financial, Inc. and...

1M ago

BVFL

BV Financial, Inc. Reports Q3 Earnings and Stock Buyback

BV Financial, Inc. ( ($BVFL) ) has released its Q3 earnings. Here is a breakdown of the information...

4M ago

BVFL

BV Financial, Inc. Reports Q2 2025 Earnings

BV Financial, Inc. ( ($BVFL) ) has released its Q2 earnings. Here is a breakdown of the information...

8M ago

BVFL

BV Financial, Inc. Reports Q1 2025 Earnings

BV Financial, Inc. ( ($BVFL) ) has released its Q1 earnings. Here is a breakdown of the information...

11M ago

BVFL

BV Financial announces repurchase program for up to 10% of outstanding shares

BV Financial (BVFL), the holding company for BayVanguard Bank, announced that the company has adopted, and received the...

11M ago

BVFL

BV Financial, Inc. Reports 2024 Earnings Decline

BV Financial, Inc. ( ($BVFL) ) has released its Q4 earnings. Here is a breakdown of the information...

1y ago

BVFL

China’s DeepSeek sinks tech, AT&T reports Q4 beat: Morning Buzz

Get caught up quickly on the top news and calls moving stocks with these five Top Five lists....

1y ago

BV Financial reports Q4 EPS 18c vs. 28c last year

Return on average assets and return on average equity for the year ended December 31, 2024 were 1.32%...

1y ago

BVFL

BV Financial Shareholders Approve 2024 Equity Incentive Plan

BV Financial, Inc. ( ($BVFL) ) just unveiled an announcement. BV Financial, Inc. has gained shareholder approval for...

1y ago

BVFL

Opening Day: Synthetic THC researcher Mira Pharmaceuticals debuts on Nasdaq

Mira Pharmaceuticals made its public debut on the Nasdaq this week. The company raised $8.9M in its IPO,...

3y ago

JPM

BVFL FAQ

What was BV Financial, Inc.’s price range in the past 12 months?

BV Financial, Inc. lowest stock price was $13.53 and its highest was $19.88 in the past 12 months.

What is BV Financial, Inc.’s market cap?

BV Financial, Inc.’s market cap is $170.24M.

When is BV Financial, Inc.’s upcoming earnings report date?

BV Financial, Inc.’s upcoming earnings report date is Apr 16, 2026 which is in 43 days.

How were BV Financial, Inc.’s earnings last quarter?

BV Financial, Inc. released its earnings results on Jan 23, 2026. The company reported $0.56 earnings per share for the quarter, beating the consensus estimate of N/A by $0.56.

Is BV Financial, Inc. overvalued?

According to Wall Street analysts BV Financial, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does BV Financial, Inc. pay dividends?

BV Financial, Inc. pays a Notavailable dividend of $0.033 which represents an annual dividend yield of N/A. See more information on BV Financial, Inc. dividends here

What is BV Financial, Inc.’s EPS estimate?

BV Financial, Inc.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does BV Financial, Inc. have?

BV Financial, Inc. has 8,903,927 shares outstanding.

What happened to BV Financial, Inc.’s price movement after its last earnings report?

BV Financial, Inc. reported an EPS of $0.56 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.843%.

Which hedge fund is a major shareholder of BV Financial, Inc.?

Currently, no hedge funds are holding shares in BVFL

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

BV Financial, Inc. Stock Smart Score

Neutral

Fundamentals

Return on Equity

5.32%

Trailing 12-Months

Asset Growth

1.87%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

BV Financial, Inc.

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking 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; 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. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.