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BV Financial, Inc. (BVFL)
NASDAQ:BVFL
US Market
BVFL
BV Financial, Inc.
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BV Financial, Inc. (BVFL) Ratios

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BV Financial, Inc. Ratios

BVFL's free cash flow for Q4 2025 was $0.76. For the 2025 fiscal year, BVFL's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.12 0.15 0.18 0.15
Quick Ratio
 0.00 0.12 0.15 0.18 0.15
Cash Ratio
 0.00 0.08 0.11 0.12 0.10
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.00 0.03 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 62.53 56.81
Net Current Asset Value
$ -717.32M$ -644.42M$ -616.22M$ -574.39M$ -642.57M
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.05 0.04 0.06
Debt-to-Equity Ratio
 0.19 0.19 0.26 0.19 0.50
Debt-to-Capital Ratio
 0.16 0.16 0.20 0.16 0.33
Long-Term Debt-to-Capital Ratio
 0.16 0.16 0.20 0.16 0.33
Financial Leverage Ratio
 4.96 4.96 4.66 4.45 8.64
Debt Service Coverage Ratio
 0.83 0.95 1.11 1.56 3.21
Interest Coverage Ratio
 1.26 1.33 1.43 2.03 4.24
Debt to Market Cap
 0.20 0.23 0.27 0.28 0.25
Interest Debt Per Share
 5.66 5.67 5.75 4.98 6.60
Net Debt to EBITDA
 1.74 -1.18 -1.18 -1.85 -1.26
Profitability Margins
Gross Profit Margin
77.54%76.60%77.05%80.54%88.48%
EBIT Margin
30.34%32.39%33.35%39.63%37.57%
EBITDA Margin
31.06%33.51%35.39%41.87%40.23%
Operating Profit Margin
30.34%32.38%33.35%39.63%37.54%
Pretax Profit Margin
34.96%35.97%33.35%39.63%37.54%
Net Profit Margin
23.96%25.73%23.83%29.17%27.15%
Continuous Operations Profit Margin
23.96%25.73%23.83%29.17%27.15%
Net Income Per EBT
68.54%71.54%71.46%73.61%72.31%
EBT Per EBIT
115.25%111.08%100.00%100.00%100.00%
Return on Assets (ROA)
1.37%1.48%1.29%1.55%1.25%
Return on Equity (ROE)
6.61%7.34%6.00%6.89%10.77%
Return on Capital Employed (ROCE)
1.74%7.19%6.30%7.42%9.08%
Return on Invested Capital (ROIC)
1.19%5.14%4.50%5.45%6.56%
Return on Tangible Assets
1.39%1.50%1.31%1.58%1.27%
Earnings Yield
7.61%8.83%6.37%10.37%5.30%
Efficiency Ratios
Receivables Turnover
 17.43 16.65 15.56 14.33 13.13
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
 4.23 4.20 3.72 3.30 2.55
Asset Turnover
 0.06 0.06 0.05 0.05 0.05
Working Capital Turnover Ratio
 -0.18 -0.09 -0.09 -0.09 -0.07
Cash Conversion Cycle
 20.95 21.92 23.45 25.47 27.79
Days of Sales Outstanding
 20.95 21.92 23.45 25.47 27.79
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
 20.95 21.92 23.45 25.47 27.79
Cash Flow Ratios
Operating Cash Flow Per Share
 2.27 2.26 1.50 1.63 1.22
Free Cash Flow Per Share
 2.24 2.23 1.45 1.61 1.16
CapEx Per Share
 0.03 0.03 0.06 0.02 0.06
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.96 0.99 0.95
Dividend Paid and CapEx Coverage Ratio
 80.27 80.27 26.29 98.03 19.35
Capital Expenditure Coverage Ratio
 80.27 80.27 26.29 98.03 19.35
Operating Cash Flow Coverage Ratio
 0.54 0.54 0.32 0.41 0.20
Operating Cash Flow to Sales Ratio
 0.37 0.36 0.33 0.32 0.25
Free Cash Flow Yield
10.98%12.29%8.40%11.37%4.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.15 11.33 15.69 9.65 18.89
Price-to-Sales (P/S) Ratio
 3.29 2.92 3.74 2.81 5.13
Price-to-Book (P/B) Ratio
 0.89 0.83 0.94 0.66 2.03
Price-to-Free Cash Flow (P/FCF) Ratio
 9.11 8.14 11.90 8.79 21.57
Price-to-Operating Cash Flow Ratio
 8.63 8.04 11.45 8.70 20.46
Price-to-Earnings Growth (PEG) Ratio
 0.41 0.37 -0.62 0.85 -25.12
Price-to-Fair Value
 0.89 0.83 0.94 0.66 2.03
Enterprise Value Multiple
 12.31 7.52 9.38 4.87 11.49
Enterprise Value
 199.26M 132.18M 163.28M 95.72M 179.14M
EV to EBITDA
 12.31 7.52 9.38 4.87 11.49
EV to Sales
 3.82 2.52 3.32 2.04 4.62
EV to Free Cash Flow
 10.61 7.04 10.57 6.37 19.44
EV to Operating Cash Flow
 10.47 6.95 10.16 6.30 18.44
Tangible Book Value Per Share
 20.09 20.02 16.88 19.69 10.33
Shareholders’ Equity Per Share
 21.88 21.81 18.31 21.35 12.30
Tax and Other Ratios
Effective Tax Rate
 0.31 0.28 0.29 0.26 0.28
Revenue Per Share
 6.21 6.22 4.61 5.04 4.88
Net Income Per Share
 1.49 1.60 1.10 1.47 1.32
Tax Burden
 0.69 0.72 0.71 0.74 0.72
Interest Burden
 1.15 1.11 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.24 0.29 0.27 0.27
Stock-Based Compensation to Revenue
 <0.01 0.00 0.04 0.02 <0.01
Income Quality
 1.41 1.41 1.37 1.11 0.92
Currency in USD