BV Financial, Inc. (BVFL)
NASDAQ:BVFL
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BV Financial, Inc.
(NASDAQ:BVFL)
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Rating:71Outperform
Price Target:
$20.50
▲(13.07% Upside)
Action:ReiteratedDate:03/28/26
The score is driven primarily by solid financial performance (steady growth, strong profitability, conservative leverage, and a very strong 2025 cash flow year), and supported by an attractive low P/E valuation. Offsetting these positives, technical indicators show only neutral-to-soft momentum with the stock below key short-term moving averages.
Positive Factors
Conservative balance sheet and low leverage
Sustained conservative leverage gives the bank resilience to credit shocks and regulatory stress. Improved debt-to-equity increases capital flexibility for lending, supports deposit confidence, and reduces the need for dilutive capital raises over the next several quarters.
Negative Factors
Moderate return on equity vs prior highs
ROE that lags historical peaks may constrain long-term shareholder returns and signal limited profitability leverage on capital. Persistently moderate ROE can force reliance on higher loan volumes or margin expansion to meet investor return expectations over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet and low leverage
Sustained conservative leverage gives the bank resilience to credit shocks and regulatory stress. Improved debt-to-equity increases capital flexibility for lending, supports deposit confidence, and reduces the need for dilutive capital raises over the next several quarters.
Read all positive factors
BV Financial, Inc. (BVFL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$171.34M
Dividend YieldN/A
Average Volume (3M)42.03K
Price to Earnings (P/E)36.8
Beta (1Y)0.56
Revenue Growth5.29%
EPS Growth31.40%
CountryUS
Employees109
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.13
Shares Outstanding8,750,737
10 Day Avg. Volume24,476
30 Day Avg. Volume42,032
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)0.83
Price to Sales (P/S)2.92
P/FCF Ratio8.14
Enterprise Value/Market Cap1.17
Enterprise Value/Revenue3.81
Enterprise Value/Gross Profit4.98
Enterprise Value/Ebitda11.39
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 o...
How the Company Makes Money
BV Financial, Inc. generates earnings primarily through its banking subsidiary by (1) earning net interest income and (2) collecting noninterest income, offset by operating costs and credit losses. Net interest income is the largest driver for mos...
BV Financial, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 52.44M | 49.20M | 46.99M | 38.77M | 31.75M |
| Gross Profit | 40.17M | 37.90M | 37.84M | 34.30M | 27.44M |
| EBITDA | 17.57M | 17.41M | 19.67M | 15.60M | 13.85M |
| Net Income | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M |
Balance Sheet | |||||
| Total Assets | 912.21M | 911.82M | 885.25M | 844.96M | 815.13M |
| Cash, Cash Equivalents and Short-Term Investments | 80.84M | 96.94M | 108.52M | 101.69M | 148.98M |
| Total Debt | 35.00M | 49.88M | 37.25M | 49.04M | 36.83M |
| Total Liabilities | 728.41M | 716.32M | 686.19M | 747.21M | 731.68M |
| Stockholders Equity | 183.80M | 195.50M | 199.06M | 97.75M | 83.45M |
Cash Flow | |||||
| Free Cash Flow | 18.79M | 15.45M | 15.04M | 9.21M | 10.16M |
| Operating Cash Flow | 19.02M | 16.06M | 15.19M | 9.71M | 10.58M |
| Investing Cash Flow | -13.29M | -32.50M | -35.17M | -27.76M | 17.45M |
| Financing Cash Flow | -20.53M | 13.19M | 25.07M | -24.49M | -8.83M |
BV Financial, Inc. Technical Analysis
Positive
18.13
Price Trends
19.31
Positive
18.97
Positive
17.58
Positive
Market Momentum
0.32
Negative
65.91
Neutral
90.86
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 18.13 is below the 20-day moving average (MA) of 19.49, below the 50-day MA of 19.31, and above the 200-day MA of 17.58, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 65.91 is Neutral, neither overbought nor oversold. The STOCH value of 90.86 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BVFL.
BV Financial, Inc. Risk Analysis
BV Financial, Inc. disclosed 29 risk factors in its most recent earnings report. BV Financial, Inc. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BV Financial, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $161.73M | 8.39 | 12.36% | 3.01% | 4.80% | 27.81% | |
71 Outperform | $171.34M | 36.81 | 5.32% | ― | 5.29% | 31.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $199.79M | ― | 8.00% | 2.00% | 2.45% | 20.70% | |
66 Neutral | $172.51M | 10.13 | 7.98% | 1.90% | -4.00% | ― | |
64 Neutral | $180.93M | 9.56 | 12.75% | 1.96% | 11.84% | 43.03% | |
58 Neutral | $190.76M | 9.23 | 9.65% | 1.16% | 1.80% | 30.22% |
* Financial Sector Average
BVFL
BV Financial, Inc.
19.58
3.83
24.32%
CFBK
CF Bankshares
29.30
6.30
27.41%
CZWI
Citizens Community Bancorp
20.75
6.04
41.08%
FCAP
First Capital
54.08
7.21
15.40%
LARK
Landmark Bancorp
26.52
-1.01
-3.68%
MNSB
MainStreet Bancshares
23.42
4.89
26.39%
BV Financial, Inc. Corporate Events
Business Operations and StrategyExecutive/Board Changes
BV Financial Co-CEO David Flair Resigns, Becomes Consultant
Neutral
Jan 23, 2026
On January 22, 2026, BV Financial, Inc. and BayVanguard Bank entered into a Separation, Consulting and Release Agreement with Co-President and Co-Chief Executive Officer David M. Flair, under which he resigned from all officer and director roles a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.