BV Financial, Inc. (BVFL)
NASDAQ:BVFL
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BVFL Stock Chart & Stats
$18.13
-$0.05(-0.29%)
At close: 4:00 PM EST
$18.13
-$0.05(-0.29%)
Day’s Range― - ―
52-Week Range$14.05 - $20.54
Previous CloseN/A
Volume8.41K
Average Volume (3M)42.03K
Market Cap
$171.27M
Enterprise Value$198.07M
Total Cash (Recent Filing)$6.91M
Total Debt (Recent Filing)$35.00M
Price to Earnings (P/E)13.3
Beta0.56
Next Earnings
Jul 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.40
Shares Outstanding8,658,965
10 Day Avg. Volume24,476
30 Day Avg. Volume42,032
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)0.83
Price to Sales (P/S)2.92
P/FCF Ratio8.14
Enterprise Value/Market Cap1.16
Enterprise Value/Revenue3.80
Enterprise Value/Gross Profit4.90
Enterprise Value/Ebitda12.24
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
Conservative Balance SheetLow leverage (≈0.19x) gives the bank durable resilience to funding shocks and credit cycles. A conservative capital structure preserves regulatory headroom, supports continued lending and liquidity management, and provides flexibility to deploy capital into loans or buybacks without immediate funding strain.
High Net Margin And Operating ProfitabilityA ~24% net margin indicates the franchise earns solid spreads and fee income after costs. Sustainable margins support cash generation, allow reinvestment in branches or digital channels, and cushion the franchise against modest NIM compression or funding-cost increases over the medium term.
Share Repurchase Authorization And Governance ContinuityA Fed-cleared 10% buyback program signals disciplined capital management and an additional tool for returning capital when internal growth is limited. Coupled with board continuity, this provides a durable mechanism to enhance shareholder returns and underscores management's capital allocation focus.
Bears Say
Sharp TTM Revenue ContractionA ~-63% TTM revenue drop points to structural challenges in generating new interest or fee income. Persistent top-line weakness reduces scale, limits cross-sell, compresses future net interest income, and forces tougher trade-offs between pricing, credit growth, and expense control over the medium term.
Volatile Free Cash FlowMaterial swings in FCF undermine planning for dividends, buybacks, and loan growth. Volatility increases refinancing and capital-allocation risk, may necessitate retaining capital in weaker periods, and reduces confidence that current earnings convert reliably to distributable cash over coming quarters.
Modest Returns On EquityMid-single-digit ROE versus stronger historical levels suggests the bank isn't fully converting its capital base into attractive profitability. Persistently modest ROE pressures long-term shareholder value creation and may force reliance on buybacks rather than organic reinvestment to meet investor return expectations.
BV Financial, Inc. News
BVFL FAQ
What was BV Financial, Inc.’s price range in the past 12 months?
BV Financial, Inc. lowest stock price was $14.05 and its highest was $20.54 in the past 12 months.
What is BV Financial, Inc.’s market cap?
BV Financial, Inc.’s market cap is $171.27M.
When is BV Financial, Inc.’s upcoming earnings report date?
BV Financial, Inc.’s upcoming earnings report date is Jul 16, 2026 which is in 43 days.
How were BV Financial, Inc.’s earnings last quarter?
BV Financial, Inc. released its earnings results on Apr 24, 2026. The company reported $0.134 earnings per share for the quarter, beating the consensus estimate of N/A by $0.134.
Is BV Financial, Inc. overvalued?
According to Wall Street analysts BV Financial, Inc.’s price is currently Overvalued.
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 8,658,965 shares outstanding.
What happened to BV Financial, Inc.’s price movement after its last earnings report?
BV Financial, Inc. reported an EPS of $0.134 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.198%.
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
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Hedge Fund Trend
Decreased
By 5.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $453.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.65%
12-Months-Change
Fundamentals
Return on Equity
6.61%
Trailing 12-Months
Asset Growth
-1.20%
Trailing 12-Months
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.
Technical Analysis
CF Bankshares
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Citizens Community Bancorp
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First Capital
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Landmark Bancorp
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MainStreet Bancshares
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Ownership Overview
5.45% Insiders
7.87% Mutual Funds
6.15% Other Institutional Investors
71.71% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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