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STOCKS

BV Financial, Inc. (BVFL)

NASDAQ:BVFL

BVFL

BV Financial, Inc.

RESEARCH TOOLSreports

BV Financial, Inc. (BVFL) Ratios

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7 Followers

BV Financial, Inc. Ratios

BVFL's free cash flow for Q2 2025 was $0.75. For the 2025 fiscal year, BVFL's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.17	0.18	0.20	0.31
Quick Ratio	0.00	0.17	0.18	0.17	0.30
Cash Ratio	0.00	0.11	0.12	0.19	0.30
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.00	0.02	0.02	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	56.81	45.94
Net Current Asset Value	$ -719.18M	$ -605.40M	$ -574.39M	$ -673.62M	$ -615.92M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.05	0.04	0.06	0.05
Debt-to-Equity Ratio	0.18	0.26	0.19	0.51	0.46
Debt-to-Capital Ratio	0.16	0.20	0.16	0.34	0.31
Long-Term Debt-to-Capital Ratio	0.16	0.20	0.16	0.33	0.31
Financial Leverage Ratio	4.78	4.66	4.45	8.64	9.77
Debt Service Coverage Ratio	1.21	1.11	1.61	-1.12	-0.84
Interest Coverage Ratio	1.59	1.43	2.03	0.24	0.21
Debt to Market Cap	0.19	0.27	0.28	0.27	0.26
Interest Debt Per Share	4.87	5.75	4.98	7.17	5.87
Net Debt to EBITDA	2.30	-1.18	-1.85	0.00	0.00
Profitability Margins
Gross Profit Margin	53.98%	77.05%	80.86%	100.00%	100.00%
EBIT Margin	28.66%	33.35%	39.79%	-2.69%	-3.22%
EBITDA Margin	29.69%	35.39%	42.04%	0.00%	0.00%
Operating Profit Margin	28.66%	33.35%	39.79%	2.10%	2.48%
Pretax Profit Margin	28.64%	33.35%	39.79%	37.54%	40.39%
Net Profit Margin	20.80%	23.83%	29.29%	27.15%	29.74%
Continuous Operations Profit Margin	20.80%	23.83%	29.29%	27.15%	29.74%
Net Income Per EBT	72.63%	71.46%	73.61%	72.31%	73.62%
EBT Per EBIT	99.91%	100.00%	100.00%	1786.71%	1630.64%
Return on Assets (ROA)	1.17%	1.29%	1.55%	1.25%	1.16%
Return on Equity (ROE)	5.45%	6.00%	6.89%	10.77%	11.31%
Return on Capital Employed (ROCE)	1.61%	6.30%	7.42%	0.17%	0.18%
Return on Invested Capital (ROIC)	0.00%	4.50%	5.46%	0.12%	0.13%
Return on Tangible Assets	1.19%	1.31%	1.58%	1.27%	1.18%
Earnings Yield	6.34%	6.37%	10.37%	5.68%	6.60%
Efficiency Ratios
Receivables Turnover	0.00	15.56	14.27	13.13	12.29
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.03	3.72	3.28	2.45	1.95
Asset Turnover	0.06	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.17	-0.09	-0.08	-0.14	-0.13
Cash Conversion Cycle	0.00	23.45	25.57	27.79	29.70
Days of Sales Outstanding	0.00	23.45	25.57	27.79	29.70
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	23.45	25.57	27.79	29.70
Cash Flow Ratios
Operating Cash Flow Per Share	1.89	1.50	1.63	1.31	1.78
Free Cash Flow Per Share	1.84	1.45	1.61	1.24	1.72
CapEx Per Share	0.05	0.06	0.02	0.07	0.06
Free Cash Flow to Operating Cash Flow	0.97	0.96	0.99	0.95	0.97
Dividend Paid and CapEx Coverage Ratio	35.94	26.29	98.03	19.35	30.55
Capital Expenditure Coverage Ratio	35.94	26.29	98.03	19.35	30.55
Operating Cash Flow Coverage Ratio	0.49	0.32	0.41	0.20	0.33
Operating Cash Flow to Sales Ratio	0.34	0.33	0.32	0.25	0.40
Free Cash Flow Yield	9.02%	8.40%	11.37%	4.97%	8.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.77	15.69	9.65	17.60	15.16
Price-to-Sales (P/S) Ratio	3.61	3.74	2.82	4.78	4.51
Price-to-Book (P/B) Ratio	0.88	0.94	0.66	1.89	1.71
Price-to-Free Cash Flow (P/FCF) Ratio	11.09	11.90	8.79	20.10	11.67
Price-to-Operating Cash Flow Ratio	9.79	11.45	8.70	19.07	11.29
Price-to-Earnings Growth (PEG) Ratio	2.71	-0.62	0.85	2.60	0.65
Price-to-Fair Value	0.88	0.94	0.66	1.89	1.71
Enterprise Value Multiple	14.47	9.38	4.87	0.00	0.00
Enterprise Value	219.75M	163.28M	95.72M	166.26M	69.96M
EV to EBITDA	14.47	9.38	4.87	0.00	0.00
EV to Sales	4.29	3.32	2.05	4.29	2.20
EV to Free Cash Flow	13.19	10.57	6.37	18.05	5.70
EV to Operating Cash Flow	12.82	10.16	6.30	17.11	5.52
Tangible Book Value Per Share	19.29	16.88	19.69	11.09	9.51
Shareholders’ Equity Per Share	20.95	18.31	21.35	13.19	11.72
Tax and Other Ratios
Effective Tax Rate	0.27	0.29	0.26	0.28	0.26
Revenue Per Share	5.64	4.61	5.02	5.23	4.46
Net Income Per Share	1.17	1.10	1.47	1.42	1.33
Tax Burden	0.73	0.71	0.74	0.72	0.74
Interest Burden	1.00	1.00	1.00	-13.95	-12.54
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.29	0.27	0.27	0.02
Stock-Based Compensation to Revenue	0.09	0.04	0.02	<0.01	0.01
Income Quality	1.60	1.37	1.11	0.92	1.34

Currency in USD