BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $167.93M
• Dividend Yield: N/A
• Average Volume (3M): 82.52K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.56
• Revenue Growth: 4.10%
• EPS Growth: -23.42%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 10,528,744
• 10 Day Avg. Volume: 157,646
• 30 Day Avg. Volume: 82,519
• PEG Ratio: -4.61
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.67
• Enterprise Value/Market Cap: 0.77
• Enterprise Value/Revenue: 0.66
• Enterprise Value/Gross Profit: 3.38
• Enterprise Value/Ebitda: 1.83
• 1Y Price Target: $15.50
• Price Target Upside: -2.82% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: $17.00 ▲(6.58%Upside)

BV Financial, Inc.'s strong financial performance is the primary driver of its overall stock score, reflecting robust revenue growth, high margins, and solid cash flows. Technical analysis presents a mixed picture with neutral momentum indicators, offsetting some of the financial strengths. The valuation score suggests the stock is fairly priced, though the lack of a dividend yield may deter income-focused investors.

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. demonstrates strong financial health with consistent revenue growth and improved balance sheet strength, characterized by significant debt reduction. However, recent fluctuations in net income and cash flow could pose challenges, indicating the need for vigilant financial management.

Income Statement

BV Financial, Inc. has shown solid revenue growth over the years, with a notable increase from $12.65 million in 2019 to $46.68 million in 2024. The gross profit margin has consistently remained at 100% due to total revenues equating to gross profit, while net profit margin has varied, reaching 25.11% in 2024. A dip in net income from 2023 to 2024 suggests a net profit margin decrease, which poses a potential concern. EBIT margins reflect healthy profitability, particularly in 2024 with 97.80%. Overall, profitability remains strong, though some recent fluctuations in net income may require attention.

Balance Sheet

The company's financial position is robust, with total assets increasing steadily to $911.82 million in 2024. The debt-to-equity ratio has improved significantly, with total debt reduced to zero by 2024, enhancing the company's equity strength. Return on equity (ROE) remains healthy at 6% for 2024. The equity ratio has improved over the years, reaching 21.43% in 2024, reflecting a solid equity base. However, the company's equity growth is slightly offset by fluctuations in net income, impacting ROE variability.

Cash Flow

BV Financial, Inc. has maintained positive operating cash flow, though it has experienced fluctuations, decreasing notably in 2024. Free cash flow growth rate was negative in 2024, indicating potential challenges in generating cash relative to previous years. The operating cash flow to net income ratio has been variable, suggesting some inconsistency in cash generation. While financing cash flow has been negative in 2024, reducing leverage, further analysis is needed to ensure sustainable cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.02M	49.20M	46.80M	38.77M	31.75M	19.88M
Gross Profit	38.26M	37.70M	37.84M	34.30M	27.44M	16.28M
EBITDA	16.49M	17.41M	19.67M	15.60M	13.85M	9.69M
Net Income	11.25M	11.72M	13.71M	10.52M	9.44M	7.64M
Balance Sheet
Total Assets	921.94M	911.82M	885.25M	844.96M	815.13M	817.50M
Cash, Cash Equivalents and Short-Term Investments	106.00M	107.76M	108.52M	101.69M	148.98M	124.45M
Total Debt	49.92M	49.88M	37.25M	49.04M	36.83M	54.66M
Total Liabilities	723.87M	716.32M	686.19M	747.21M	731.68M	743.48M
Stockholders Equity	198.07M	195.50M	199.06M	97.75M	83.45M	74.02M
Cash Flow
Free Cash Flow	15.54M	15.45M	15.04M	9.21M	10.16M	4.65M
Operating Cash Flow	15.93M	16.06M	15.19M	9.71M	10.58M	5.02M
Investing Cash Flow	-39.22M	-32.50M	-35.17M	-27.76M	17.45M	32.33M
Financing Cash Flow	15.27M	13.19M	25.07M	-24.49M	-8.83M	30.11M

BV Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 15.95 is above the 20-day moving average (MA) of 15.03, above the 50-day MA of 15.33, and above the 200-day MA of 15.67, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 68.21 is Neutral, neither overbought nor oversold. The STOCH value of 85.74 is Negative, 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	80 Outperform	$155.91M	10.32	11.08%	3.11%	15.79%	27.67%
PEBK	74 Outperform	$164.17M	9.74	11.21%	2.66%	9.07%	4.44%
BVFL	73 Outperform	$167.93M	14.92	5.63%	―	4.10%	-23.42%
FRAF	71 Outperform	$167.23M	14.37	8.16%	3.52%	18.74%	-16.38%
MRBK	70 Outperform	$158.56M	9.93	9.64%	3.56%	12.41%	34.20%
ATLO	68 Neutral	$164.05M	14.51	6.52%	4.35%	8.65%	14.91%
Sector *	65 Neutral	kr116.13B	24.38	6.10%	4.17%	14.34%	-72.17%