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BV Financial, Inc. (BVFL)
:BVFL
US Market
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BV Financial, Inc. (BVFL) AI Stock Analysis

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BVFL

BV Financial, Inc.

(NASDAQ:BVFL)

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Neutral 66 (OpenAI - 4o)
Rating:66Neutral
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. (BVFL) vs. SPDR S&P 500 ETF (SPY)

BV Financial, Inc. Business Overview & Revenue Model

Company DescriptionBV 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 MoneyBV 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
75
Positive
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
70
Positive
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
68
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue50.80M49.20M46.80M38.77M31.75M19.88M
Gross Profit38.33M37.90M37.84M34.30M27.44M16.28M
EBITDA15.60M17.41M19.67M15.60M13.85M9.69M
Net Income10.71M11.72M13.71M10.52M9.44M7.64M
Balance Sheet
Total Assets908.33M911.82M885.25M844.96M815.13M817.50M
Cash, Cash Equivalents and Short-Term Investments40.35M107.76M108.52M101.69M148.98M124.45M
Total Debt34.96M49.88M37.25M49.04M36.83M54.66M
Total Liabilities710.34M716.32M686.19M747.21M731.68M743.48M
Stockholders Equity197.99M195.50M199.06M97.75M83.45M74.02M
Cash Flow
Free Cash Flow16.67M15.45M15.04M9.21M10.16M4.65M
Operating Cash Flow17.14M16.06M15.19M9.71M10.58M5.02M
Investing Cash Flow-48.37M-32.50M-35.17M-27.76M17.45M32.33M
Financing Cash Flow-3.09M13.19M25.07M-24.49M-8.83M30.11M

BV Financial, Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price15.87
Price Trends
50DMA
16.23
Negative
100DMA
15.77
Positive
200DMA
15.63
Positive
Market Momentum
MACD
-0.26
Negative
RSI
56.41
Neutral
STOCH
62.10
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. 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
69
Neutral
$151.52M9.3211.80%3.25%14.58%43.66%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
$157.74M14.745.32%4.86%-8.20%
65
Neutral
$148.10M8.2610.42%1.28%3.76%38.14%
61
Neutral
$138.10M10.1711.40%2.87%12.43%9.45%
60
Neutral
$153.29M12.546.93%2.32%-0.96%-7.38%
43
Neutral
$141.10M14.43-4.04%2.16%4.08%-172.13%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BVFL
BV Financial, Inc.
16.10
0.63
4.07%
CFBK
CF Bankshares
23.36
-1.23
-5.00%
CZWI
Citizens Community Bancorp
15.51
1.80
13.13%
FCAP
First Capital
40.75
8.50
26.36%
LARK
Landmark Bancorp
25.86
7.01
37.19%
MNSB
MainStreet Bancshares
18.54
0.98
5.58%
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.Date of analysis: Oct 21, 2025