BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $162.14M
• Dividend Yield: N/A
• Average Volume (3M): 85.56K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.59
• Revenue Growth: 5.08%
• EPS Growth: -12.65%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 10,528,744
• 10 Day Avg. Volume: 41,954
• 30 Day Avg. Volume: 85,565
• 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: 3.61
• Enterprise Value/Gross Profit: 4.72
• Enterprise Value/Ebitda: 10.94
• 1Y Price Target: $15.50
• Price Target Upside: 1.51% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $16.50 ▲(8.06% Upside)

BV Financial, Inc. demonstrates strong financial performance with steady revenue growth and profitability, which are major strengths. The technical analysis presents a mixed picture, with the stock appearing oversold yet under bearish momentum. Valuation is reasonable, though the lack of dividend yield may deter some investors. Overall, the company's solid financial health supports a favorable stock score, despite some technical weaknesses.

BV Financial, Inc. Business Overview & Revenue Model

Company Description

BV Financial, Inc. (BVFL) is a financial services company that operates primarily in the banking sector. The company offers a range of financial products and services, including personal and business banking, loans, mortgages, and investment services. BV Financial is committed to providing tailored financial solutions to meet the needs of its diverse clientele, emphasizing customer service and financial expertise.

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 characterized by 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. While there are minor fluctuations in operating efficiency, 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	50.02M	49.20M	46.80M	38.77M	31.75M	19.88M
Gross Profit	38.26M	37.90M	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	50.84M	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: Negative
• Last Price: 15.27
• 50DMA: Negative
• 100DMA: Positive
• 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 15.27 is below the 20-day moving average (MA) of 15.68, below the 50-day MA of 15.31, and below the 200-day MA of 15.71, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 42.43 is Neutral, neither overbought nor oversold. The STOCH value of 7.00 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
MRBK	78 Outperform	$163.52M	10.19	9.64%	3.43%	12.41%	34.20%
FRAF	72 Outperform	$179.62M	12.34	9.88%	3.34%	15.18%	―
PEBK	72 Outperform	$154.23M	9.08	12.69%	3.33%	6.08%	4.51%
LARK	69 Neutral	$142.50M	8.79	11.80%	3.41%	14.69%	43.66%
BVFL	68 Neutral	$162.14M	14.87	5.31%	―	5.08%	-12.65%
ATLO	68 Neutral	$165.03M	12.06	7.60%	4.70%	6.86%	44.54%
Sector *	67 Neutral	$17.05B	11.60	9.79%	3.95%	10.63%	1.86%