BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $157.74M
• Dividend Yield: N/A
• Average Volume (3M): 22.77K
• Price to Earnings (P/E): 14.7
• Beta (1Y): 0.62
• Revenue Growth: 4.86%
• EPS Growth: -8.20%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 9,939,490
• 10 Day Avg. Volume: 16,985
• 30 Day Avg. Volume: 22,765
• PEG Ratio: -0.62
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 3.74
• P/FCF Ratio: 11.90
• Enterprise Value/Market Cap: 1.11
• Enterprise Value/Revenue: 3.45
• Enterprise Value/Gross Profit: 4.57
• Enterprise Value/Ebitda: 11.24
• 1Y Price Target: $17.00
• Price Target Upside: 7.12% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: $17.00 ▲(7.12% Upside)

BV Financial, Inc. scores moderately due to its stable financial performance and reasonable valuation. The technical analysis indicates some bearish momentum, which slightly offsets the overall score. The absence of a dividend yield and lack of recent earnings call data or corporate events also limit the score. The company is fundamentally sound but faces challenges in profitability and cash flow efficiency.

BV Financial, Inc. Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

BV Financial, Inc. generates revenue through a variety of financial services and products. The primary revenue streams include interest income from loans such as personal, business, and mortgage loans. Additionally, the company earns money through fees for services like account maintenance, transaction processing, and investment advisory. BV Financial may also engage in strategic partnerships with other financial institutions or service providers to enhance its product offerings, contributing to its earnings. Furthermore, the company's investment activities generate income through interest and dividends from its securities portfolio.

BV Financial, Inc. Financial Statement Overview

Summary

BV Financial, Inc. exhibits strong financial health with steady revenue growth, high profitability margins, and robust cash flows. The balance sheet is well-managed with low leverage, though there is room for improvement in optimizing asset utilization. Minor fluctuations in operating efficiency are noted, but the overall financial position is solid, supporting future growth and stability.

Income Statement

BV Financial, Inc. shows strong profitability with a Gross Profit Margin of 76.49% and a Net Profit Margin of 22.49% in the TTM. Revenue has grown steadily over the past years, with a 28.96% increase from 2022 to 2023. The EBIT and EBITDA margins are robust at 31.00% and 32.97% respectively, reflecting efficient operations. However, a slight decline in EBIT from 2023 to TTM indicates a need to monitor operating efficiency.

Balance Sheet

The company maintains a healthy balance sheet with a Debt-to-Equity Ratio of 0.25, indicating low leverage. Return on Equity is strong at 5.68% for TTM, showing effective use of equity capital. The Equity Ratio stands at 21.49%, demonstrating a stable capital structure. However, the high level of liabilities relative to assets suggests potential future liquidity considerations.

Cash Flow

BV Financial, Inc. shows a positive cash flow scenario with a Free Cash Flow Growth Rate of 0.56% from 2023 to TTM. The Operating Cash Flow to Net Income Ratio is 1.42, indicating strong cash-generating ability relative to profits. The Free Cash Flow to Net Income Ratio is 1.38, reflecting healthy cash conversion. Despite a minor decrease in operating cash flow from 2023, the company remains cash flow positive.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.80M	49.20M	46.80M	38.77M	31.75M	19.88M
Gross Profit	38.33M	37.90M	37.84M	34.30M	27.44M	16.28M
EBITDA	15.60M	17.41M	19.67M	15.60M	13.85M	9.69M
Net Income	10.71M	11.72M	13.71M	10.52M	9.44M	7.64M
Balance Sheet
Total Assets	908.33M	911.82M	885.25M	844.96M	815.13M	817.50M
Cash, Cash Equivalents and Short-Term Investments	40.35M	107.76M	108.52M	101.69M	148.98M	124.45M
Total Debt	34.96M	49.88M	37.25M	49.04M	36.83M	54.66M
Total Liabilities	710.34M	716.32M	686.19M	747.21M	731.68M	743.48M
Stockholders Equity	197.99M	195.50M	199.06M	97.75M	83.45M	74.02M
Cash Flow
Free Cash Flow	16.67M	15.45M	15.04M	9.21M	10.16M	4.65M
Operating Cash Flow	17.14M	16.06M	15.19M	9.71M	10.58M	5.02M
Investing Cash Flow	-48.37M	-32.50M	-35.17M	-27.76M	17.45M	32.33M
Financing Cash Flow	-3.09M	13.19M	25.07M	-24.49M	-8.83M	30.11M

BV Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.87
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BVFL, the sentiment is Positive. The current price of 15.87 is above the 20-day moving average (MA) of 15.65, below the 50-day MA of 16.23, and above the 200-day MA of 15.63, indicating a neutral trend. The MACD of -0.26 indicates Negative momentum. The RSI at 56.41 is Neutral, neither overbought nor oversold. The STOCH value of 62.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BVFL.

BV Financial, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	69 Neutral	$151.52M	9.32	11.80%	3.25%	14.58%	43.66%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BVFL	66 Neutral	$157.74M	14.74	5.32%	―	4.86%	-8.20%
CFBK	65 Neutral	$148.10M	8.26	10.42%	1.28%	3.76%	38.14%
FCAP	61 Neutral	$138.10M	10.17	11.40%	2.87%	12.43%	9.45%
CZWI	60 Neutral	$153.29M	12.54	6.93%	2.32%	-0.96%	-7.38%
MNSB	43 Neutral	$141.10M	14.43	-4.04%	2.16%	4.08%	-172.13%