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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 Q3 2025 was $0.84. For the 2025 fiscal year, BVFL's free cash flow was decreased by $ and operating cash flow was $0.39. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.30	0.17	0.18	0.15	0.22
Quick Ratio	0.30	0.17	0.18	0.15	0.22
Cash Ratio	0.04	0.11	0.12	0.10	0.16
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.14	0.02	0.02	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.00	63.24	62.53	56.81	38.33
Net Current Asset Value	$ -686.42M	$ -605.40M	$ -574.39M	$ -642.57M	$ -580.12M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.05	0.04	0.06	0.05
Debt-to-Equity Ratio	0.19	0.26	0.19	0.50	0.44
Debt-to-Capital Ratio	0.16	0.20	0.16	0.33	0.31
Long-Term Debt-to-Capital Ratio	0.16	0.20	0.16	0.33	0.31
Financial Leverage Ratio	4.96	4.66	4.45	8.64	9.77
Debt Service Coverage Ratio	0.95	1.08	1.56	3.21	2.61
Interest Coverage Ratio	1.33	1.43	2.03	4.24	3.44
Debt to Market Cap	0.21	0.27	0.28	0.25	0.26
Interest Debt Per Share	5.67	5.75	4.98	6.60	5.70
Net Debt to EBITDA	1.67	-1.18	-1.85	-1.26	-5.37
Profitability Margins
Gross Profit Margin	76.60%	77.05%	80.54%	88.48%	86.43%
EBIT Margin	32.39%	33.35%	39.63%	37.57%	40.39%
EBITDA Margin	33.48%	35.39%	41.87%	40.23%	43.61%
Operating Profit Margin	32.38%	33.35%	39.63%	37.54%	40.39%
Pretax Profit Margin	35.97%	33.35%	39.63%	37.54%	40.39%
Net Profit Margin	25.73%	23.83%	29.17%	27.15%	29.74%
Continuous Operations Profit Margin	25.73%	23.83%	29.17%	27.15%	29.74%
Net Income Per EBT	71.54%	71.46%	73.61%	72.31%	73.62%
EBT Per EBIT	111.08%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.48%	1.29%	1.55%	1.25%	1.16%
Return on Equity (ROE)	7.01%	6.00%	6.89%	10.77%	11.31%
Return on Capital Employed (ROCE)	2.19%	6.30%	7.42%	9.08%	9.49%
Return on Invested Capital (ROIC)	-19.84%	4.50%	5.45%	6.56%	6.97%
Return on Tangible Assets	1.50%	1.31%	1.58%	1.27%	1.18%
Earnings Yield	8.49%	6.37%	10.37%	5.30%	6.60%
Efficiency Ratios
Receivables Turnover	16.65	15.56	14.33	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	4.20	3.72	3.30	2.55	2.11
Asset Turnover	0.06	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.15	-0.09	-0.09	-0.07	-0.06
Cash Conversion Cycle	21.92	23.45	25.47	27.79	29.70
Days of Sales Outstanding	21.92	23.45	25.47	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	21.92	23.45	25.47	27.79	29.70
Cash Flow Ratios
Operating Cash Flow Per Share	2.32	1.50	1.63	1.22	1.49
Free Cash Flow Per Share	2.27	1.45	1.61	1.16	1.43
CapEx Per Share	0.05	0.06	0.02	0.06	0.06
Free Cash Flow to Operating Cash Flow	0.98	0.96	0.99	0.95	0.96
Dividend Paid and CapEx Coverage Ratio	50.56	26.29	98.03	19.35	25.49
Capital Expenditure Coverage Ratio	50.56	26.29	98.03	19.35	25.49
Operating Cash Flow Coverage Ratio	0.56	0.32	0.41	0.20	0.29
Operating Cash Flow to Sales Ratio	0.37	0.33	0.32	0.25	0.33
Free Cash Flow Yield	11.40%	8.40%	11.37%	4.64%	7.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.77	15.69	9.65	18.89	15.16
Price-to-Sales (P/S) Ratio	3.20	3.74	2.81	5.13	4.51
Price-to-Book (P/B) Ratio	0.86	0.94	0.66	2.03	1.71
Price-to-Free Cash Flow (P/FCF) Ratio	8.77	11.90	8.79	21.57	14.08
Price-to-Operating Cash Flow Ratio	8.14	11.45	8.70	20.46	13.53
Price-to-Earnings Growth (PEG) Ratio	0.33	-0.62	0.85	-25.12	0.65
Price-to-Fair Value	0.86	0.94	0.66	2.03	1.71
Enterprise Value Multiple	11.23	9.38	4.87	11.49	4.96
Enterprise Value	197.22M	163.28M	95.72M	179.14M	68.73M
EV to EBITDA	11.23	9.38	4.87	11.49	4.96
EV to Sales	3.76	3.32	2.04	4.62	2.16
EV to Free Cash Flow	10.31	10.57	6.37	19.44	6.76
EV to Operating Cash Flow	10.10	10.16	6.30	18.44	6.50
Tangible Book Value Per Share	20.02	16.88	19.69	10.33	9.51
Shareholders’ Equity Per Share	21.81	18.31	21.35	12.30	11.72
Tax and Other Ratios
Effective Tax Rate	0.28	0.29	0.26	0.28	0.26
Revenue Per Share	6.22	4.61	5.04	4.88	4.46
Net Income Per Share	1.60	1.10	1.47	1.32	1.33
Tax Burden	0.72	0.71	0.74	0.72	0.74
Interest Burden	1.11	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.29	0.27	0.27	0.26
Stock-Based Compensation to Revenue	0.10	0.04	0.02	<0.01	0.01
Income Quality	1.83	1.37	1.11	0.92	1.12

Currency in USD