BV Financial, Inc. (BVFL)
NASDAQ:BVFL
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BV Financial, Inc.
(NASDAQ:BVFL)
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Rating:60Neutral
Price Target:
$21.00
▲(15.83% Upside)
Action:Reiterated
Date:05/14/26
BVFL scores as moderate overall, driven primarily by a generally sturdy financial profile (strong balance sheet and acceptable cash flow quality) but weighed down by weak recent revenue momentum. Technicals are neutral-to-mildly constructive, while valuation is a key headwind due to the high P/E and lack of dividend yield data; the new buyback authorization provides a modest positive offset.
Positive Factors
Conservative Balance Sheet
BV Financial’s low leverage (≈0.19x) and stable equity base create durable resilience to credit shocks and rate volatility. A conservative balance sheet supports lending flexibility, regulatory compliance and discretionary capital allocation, enabling multi-month stability for operations and capital actions.
Negative Factors
Sharp Revenue Contraction
A ~63% TTM revenue decline materially reduces scale and undermines sustainable earnings power. Persisting top‑line weakness compresses room to invest in loan growth, digital channels, or branches, and risks eroding margin coverage of fixed operating costs over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
BV Financial’s low leverage (≈0.19x) and stable equity base create durable resilience to credit shocks and rate volatility. A conservative balance sheet supports lending flexibility, regulatory compliance and discretionary capital allocation, enabling multi-month stability for operations and capital actions.
Read all positive factors
BV Financial, Inc. (BVFL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$170.50M
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)1.40
Shares Outstanding8,658,965
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/Revenue3.83
Enterprise Value/Gross Profit4.94
Enterprise Value/Ebitda12.32
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 interest and fees on loans and (2) investing a portion of deposits in interest-earning securities and other liquid assets. The largest driver is typicall...
BV Financial, Inc. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.10M | 52.44M | 49.20M | 46.99M | 38.77M | 31.75M |
| Gross Profit | 40.40M | 40.17M | 37.90M | 37.84M | 34.30M | 27.44M |
| EBITDA | 16.18M | 17.57M | 17.41M | 19.67M | 15.60M | 13.85M |
| Net Income | 12.49M | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M |
Balance Sheet | ||||||
| Total Assets | 910.86M | 912.21M | 911.82M | 885.25M | 844.96M | 815.13M |
| Cash, Cash Equivalents and Short-Term Investments | 6.91M | 80.84M | 96.94M | 108.52M | 101.69M | 148.98M |
| Total Debt | 35.00M | 35.00M | 49.88M | 37.25M | 49.04M | 36.83M |
| Total Liabilities | 727.22M | 728.41M | 716.32M | 686.19M | 747.21M | 731.68M |
| Stockholders Equity | 183.64M | 183.80M | 195.50M | 199.06M | 97.75M | 83.45M |
Cash Flow | ||||||
| Free Cash Flow | 18.25M | 18.79M | 15.45M | 15.04M | 9.21M | 10.16M |
| Operating Cash Flow | 18.28M | 19.02M | 16.06M | 15.19M | 9.71M | 10.58M |
| Investing Cash Flow | 16.44M | -13.29M | -32.50M | -35.17M | -27.76M | 17.45M |
| Financing Cash Flow | -30.95M | -20.53M | 13.19M | 25.07M | -24.49M | -8.83M |
BV Financial, Inc. Technical Analysis
Positive
18.13
Price Trends
19.53
Positive
19.24
Positive
18.06
Positive
Market Momentum
>-0.01
Positive
50.11
Neutral
42.49
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 18.13 is below the 20-day moving average (MA) of 19.72, below the 50-day MA of 19.53, and above the 200-day MA of 18.06, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 50.11 is Neutral, neither overbought nor oversold. The STOCH value of 42.49 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 35 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $179.99M | 9.56 | 13.14% | 1.96% | 11.54% | 43.03% | |
77 Outperform | $170.37M | 7.44 | 12.22% | 3.01% | 4.70% | 27.81% | |
68 Neutral | $196.84M | 12.69 | 8.00% | 2.00% | 2.45% | 20.71% | |
68 Neutral | $164.91M | 10.13 | 7.98% | 1.90% | -4.00% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $181.06M | 8.73 | 9.76% | 1.16% | 0.91% | 22.40% | |
60 Neutral | $170.50M | 36.81 | 6.61% | ― | 5.29% | 31.40% |
* Financial Sector Average
BVFL
BV Financial, Inc.
19.79
4.14
26.45%
CFBK
CF Bankshares
27.91
4.25
17.95%
CZWI
Citizens Community Bancorp
20.41
5.89
40.60%
FCAP
First Capital
54.31
6.82
14.36%
LARK
Landmark Bancorp
27.07
0.09
0.33%
MNSB
MainStreet Bancshares
23.04
4.01
21.07%
BV Financial, Inc. Corporate Events
Executive/Board ChangesShareholder Meetings
BV Financial Stockholders Reelect Directors and Ratify Auditor
Positive
May 8, 2026
At BV Financial, Inc.’s Annual Meeting of Stockholders held on May 7, 2026, stockholders elected Gary T. Amereihn, P. David Bramble, and Brian K. McHale as directors to serve three-year terms, reinforcing the company’s existing leaders...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
BV Financial Announces New 10% Share Repurchase Authorization
Positive
May 6, 2026
On May 5, 2026, BV Financial, Inc. received clearance from the Federal Reserve Bank of Richmond to launch a new stock repurchase program covering up to 10% of its outstanding common shares, or about 861,000 shares, once its current, nearly complet...
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.