BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $158.04M
• Dividend Yield: N/A
• Average Volume (3M): 21.87K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.53
• Revenue Growth: 4.11%
• EPS Growth: -23.57%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 10,528,744
• 10 Day Avg. Volume: 21,701
• 30 Day Avg. Volume: 21,871
• PEG Ratio: -2.36
• Price to Book (P/B): 0.80
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.41
• Enterprise Value/Market Cap: 1.37
• Enterprise Value/Revenue: 1.20
• Enterprise Value/Gross Profit: 4.69
• Enterprise Value/Ebitda: 7.43
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ―

BV Financial, Inc. demonstrates solid financial health with strong revenue growth and a robust balance sheet. However, recent income and cash flow fluctuations, combined with technical indicators suggesting bearish momentum, moderate the overall score. The valuation is fair, but the lack of a dividend yield could deter income-seeking 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 primarily through interest income from its lending activities, which includes mortgages, personal loans, and business loans. The company also earns money through service fees associated with its banking products, such as account maintenance fees, transaction fees, and fees for additional banking services. Additionally, BV Financial benefits from investment income derived from its portfolio of financial assets. The company's earnings are supported by strategic partnerships with financial technology firms, which enhance its digital banking capabilities and expand its customer base.

BV Financial, Inc. Financial Statement Overview

Summary

BV Financial, Inc. shows strong financial health with consistent revenue growth and improved balance sheet strength, notably reducing debt to zero by 2024. However, recent fluctuations in net income and cash flow could pose challenges. Vigilant management is needed to maintain its positive financial trajectory.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
37.70M	46.80M	38.77M	31.75M	23.16M
	Gross Profit
37.70M	46.80M	38.77M	31.75M	23.16M
	EBIT
16.41M	0.00	814.51K	786.44K	489.70K
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
11.72M	13.71M	10.52M	9.44M	7.64M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
43.10M	44.04M	-12.70M	-8.48M	-10.97M
	Total Assets
911.82M	885.25M	844.96M	815.13M	817.50M
	Total Debt
49.88M	37.25M	49.68M	38.06M	55.83M
	Net Debt
-20.62M	-36.49M	-18.97M	-73.13M	66.80M
	Total Liabilities
716.32M	686.19M	747.21M	731.68M	743.48M
	Stockholders Equity
195.50M	199.06M	97.75M	83.45M	74.02M
Cash Flow		Free Cash Flow
15.45M	15.04M	9.21M	12.26M	4.95M
	Operating Cash Flow
16.06M	15.19M	9.71M	12.68M	5.33M
	Investing Cash Flow
-32.50M	-35.17M	-27.76M	17.83M	32.33M
	Financing Cash Flow
13.19M	25.07M	-24.49M	-8.83M	30.11M

BV Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.01
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BVFL, the sentiment is Negative. The current price of 15.01 is below the 20-day moving average (MA) of 15.59, below the 50-day MA of 15.20, and below the 200-day MA of 15.61, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 36.37 is Neutral, neither overbought nor oversold. The STOCH value of 0.47 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BVFL.

BV Financial, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	77 Outperform	$170.30M	11.42	11.08%	2.88%	15.90%	27.67%
PEBK	74 Outperform	$151.61M	9.07	11.21%	2.77%	9.07%	4.44%
MRBK	68 Neutral	$145.58M	9.27	9.64%	3.88%	12.41%	34.20%
ATLO	67 Neutral	$154.33M	13.67	6.52%	5.03%	8.65%	15.26%
FRAF	66 Neutral	$168.48M	14.48	8.16%	3.49%	18.74%	―
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.31%	-7.69%
BVFL	64 Neutral	$158.04M	14.10	5.63%	―	4.11%	-23.57%