BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $167.44M
• Dividend Yield: N/A
• Average Volume (3M): 42.03K
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.54
• Revenue Growth: 4.86%
• EPS Growth: -8.20%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.56
• Shares Outstanding: 8,903,927
• 10 Day Avg. Volume: 24,476
• 30 Day Avg. Volume: 42,032
• 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: 1.18
• Enterprise Value/Revenue: 3.85
• Enterprise Value/Gross Profit: 5.09
• Enterprise Value/Ebitda: 12.75
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $21.00 ▲(15.83% Upside)
• Action: Reiterated Date: 01/25/26
• Date: Action: Reiterated 01/25/26

The score is driven primarily by solid financial performance—especially strong, improving cash flow and a generally prudent balance sheet—tempered by the post-2023 profitability step-down and some leverage-data inconsistency. Technicals are supportive with an uptrend and positive MACD, though near-term conditions look overbought. Valuation is reasonable but not especially compelling, and no dividend yield was provided.

Positive Factors

Consistent cash generation

Consistently positive operating and free cash flow indicate high earnings quality and internal funding capacity. Over 2–6 months this supports organic loan growth, capital accumulation, and reserve funding without reliance on volatile external financing, enhancing resilience to rate cycles.

Negative Factors

Profitability has cooled since 2023

A step-down in net income and margins versus 2023 suggests structural pressure from funding costs, loan mix shifts, or fee compression. If sustained, this can reduce return on equity and limit capital deployment, forcing tighter expense control or repricing to restore returns over the medium term.

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...

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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 revenue primarily through management fees charged for its investment services and advisory solutions. The company earns a percentage of the assets under management (AUM), which provides a steady stream of income as cli...

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BV Financial, Inc. generates revenue primarily through management fees charged for its investment services and advisory solutions. The company earns a percentage of the assets under management (AUM), which provides a steady stream of income as cli...

BV Financial, Inc. Financial Statement Overview

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	51.17M	49.20M	46.99M	38.77M	31.75M	19.88M
Gross Profit	38.68M	37.90M	37.84M	34.30M	27.44M	16.28M
EBITDA	15.43M	17.41M	19.67M	15.60M	13.85M	9.69M
Net Income	10.64M	11.72M	13.71M	10.52M	9.44M	7.64M
Balance Sheet
Total Assets	909.39M	911.82M	885.25M	844.96M	815.13M	817.50M
Cash, Cash Equivalents and Short-Term Investments	40.54M	107.76M	108.52M	101.69M	148.98M	124.45M
Total Debt	35.00M	49.88M	37.25M	49.04M	36.83M	54.66M
Total Liabilities	719.18M	716.32M	686.19M	747.21M	731.68M	743.48M
Stockholders Equity	190.21M	195.50M	199.06M	97.75M	83.45M	74.02M
Cash Flow
Free Cash Flow	19.13M	15.45M	15.04M	9.21M	10.16M	4.65M
Operating Cash Flow	19.52M	16.06M	15.19M	9.71M	10.58M	5.02M
Investing Cash Flow	-48.10M	-32.50M	-35.17M	-27.76M	17.45M	32.33M
Financing Cash Flow	-1.94M	13.19M	25.07M	-24.49M	-8.83M	30.11M

BV Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.13
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 18.90, below the 50-day MA of 19.08, and above the 200-day MA of 17.19, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 51.61 is Neutral, neither overbought nor oversold. The STOCH value of 78.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BVFL.

BV Financial, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LARK	75 Outperform	$144.51M	8.47	12.36%	3.01%	12.31%	39.46%
BVFL	72 Outperform	$167.44M	7.96	5.32%	―	4.86%	-8.20%
FCAP	70 Outperform	$162.36M	10.13	9.16%	1.96%	11.36%	25.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZWI	62 Neutral	$186.99M	12.00	7.81%	2.00%	-2.16%	-9.35%
MNSB	59 Neutral	$162.05M	9.50	7.26%	1.90%	1.92%	-174.59%
CFBK	58 Neutral	$182.36M	9.23	9.65%	1.16%	2.33%	22.43%

BV Financial, Inc. Corporate Events