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STOCKS

BV Financial, Inc. (BVFL)

NASDAQ:BVFL

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 Q1 2025 was $0.71. For the 2025 fiscal year, BVFL's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.17	0.18	0.20	0.31	0.29
Quick Ratio	0.17	0.18	0.17	0.30	0.27
Cash Ratio	0.11	0.12	0.19	0.30	-0.03
Solvency Ratio	0.02	0.02	0.02	0.01	0.01
Operating Cash Flow Ratio	0.02	0.02	0.03	0.03	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	56.81	45.94	1.63
Net Current Asset Value	$ -614.74M	$ -574.39M	$ -673.62M	$ -615.92M	$ -645.76M
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.04	0.06	0.05	0.07
Debt-to-Equity Ratio	0.25	0.19	0.51	0.46	0.75
Debt-to-Capital Ratio	0.20	0.16	0.34	0.31	0.43
Long-Term Debt-to-Capital Ratio	0.20	0.16	0.33	0.31	0.41
Financial Leverage Ratio	4.65	4.45	8.64	9.77	11.04
Debt Service Coverage Ratio	1.05	1.61	-1.12	-0.84	-0.22
Interest Coverage Ratio	1.33	2.03	0.24	0.21	0.17
Debt to Market Cap	0.33	0.28	0.27	0.26	0.45
Interest Debt Per Share	6.16	4.98	7.17	5.87	8.27
Net Debt to EBITDA	-1.27	-1.85	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	76.49%	80.86%	100.00%	100.00%	100.00%
EBIT Margin	31.01%	39.79%	-2.69%	-3.22%	-3.00%
EBITDA Margin	32.97%	42.04%	0.00%	0.00%	0.00%
Operating Profit Margin	31.01%	39.79%	2.10%	2.48%	2.11%
Pretax Profit Margin	31.00%	39.79%	37.54%	40.39%	38.83%
Net Profit Margin	22.49%	29.29%	27.15%	29.74%	33.00%
Continuous Operations Profit Margin	22.49%	29.29%	27.15%	29.74%	33.00%
Net Income Per EBT	72.55%	73.61%	72.31%	73.62%	85.00%
EBT Per EBIT	99.97%	100.00%	1786.71%	1630.64%	1836.62%
Return on Assets (ROA)	1.22%	1.55%	1.25%	1.16%	0.94%
Return on Equity (ROE)	5.56%	6.89%	10.77%	11.31%	10.33%
Return on Capital Employed (ROCE)	5.87%	7.42%	0.17%	0.18%	0.10%
Return on Invested Capital (ROIC)	4.26%	5.46%	0.12%	0.13%	0.09%
Return on Tangible Assets	1.24%	1.58%	1.27%	1.18%	0.95%
Earnings Yield	7.89%	10.37%	5.68%	6.60%	6.33%
Efficiency Ratios
Receivables Turnover	16.03	14.27	13.13	12.29	7.89
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	3.78	3.28	2.45	1.95	1.39
Asset Turnover	0.05	0.05	0.05	0.04	0.03
Working Capital Turnover Ratio	-0.09	-0.08	-0.14	-0.13	-0.17
Cash Conversion Cycle	22.78	25.57	27.79	29.70	46.26
Days of Sales Outstanding	22.78	25.57	27.79	29.70	46.26
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	22.78	25.57	27.79	29.70	46.26
Cash Flow Ratios
Operating Cash Flow Per Share	1.59	1.63	1.31	1.78	0.75
Free Cash Flow Per Share	1.55	1.61	1.24	1.72	0.70
CapEx Per Share	0.04	0.02	0.07	0.06	0.05
Free Cash Flow to Operating Cash Flow	0.98	0.99	0.95	0.97	0.93
Dividend Paid and CapEx Coverage Ratio	40.54	98.03	19.35	30.55	14.20
Capital Expenditure Coverage Ratio	40.54	98.03	19.35	30.55	14.20
Operating Cash Flow Coverage Ratio	0.32	0.41	0.20	0.33	0.10
Operating Cash Flow to Sales Ratio	0.32	0.32	0.25	0.40	0.23
Free Cash Flow Yield	10.34%	11.37%	4.97%	8.57%	4.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.68	9.65	17.60	15.16	15.79
Price-to-Sales (P/S) Ratio	3.00	2.82	4.78	4.51	5.21
Price-to-Book (P/B) Ratio	0.72	0.66	1.89	1.71	1.63
Price-to-Free Cash Flow (P/FCF) Ratio	9.67	8.79	20.10	11.67	24.39
Price-to-Operating Cash Flow Ratio	8.95	8.70	19.07	11.29	22.67
Price-to-Earnings Growth (PEG) Ratio	-4.61	0.85	2.60	0.65	0.09
Price-to-Fair Value	0.72	0.66	1.89	1.71	1.63
Enterprise Value Multiple	7.84	4.87	0.00	0.00	0.00
Enterprise Value	129.35M	95.72M	166.26M	69.96M	187.54M
EV to EBITDA	7.84	4.87	0.00	0.00	0.00
EV to Sales	2.59	2.05	4.29	2.20	8.10
EV to Free Cash Flow	8.32	6.37	18.05	5.70	37.89
EV to Operating Cash Flow	8.12	6.30	17.11	5.52	35.22
Tangible Book Value Per Share	18.30	19.69	11.09	9.51	8.41
Shareholders’ Equity Per Share	19.82	21.35	13.19	11.72	10.42
Tax and Other Ratios
Effective Tax Rate	0.27	0.26	0.28	0.26	0.15
Revenue Per Share	5.00	5.02	5.23	4.46	3.26
Net Income Per Share	1.13	1.47	1.42	1.33	1.08
Tax Burden	0.73	0.74	0.72	0.74	0.85
Interest Burden	1.00	1.00	-13.95	-12.54	-12.92
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.31	0.27	0.27	0.02	0.04
Stock-Based Compensation to Revenue	0.07	0.02	<0.01	0.01	<0.01
Income Quality	1.42	1.11	0.92	1.34	0.70

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