BV Financial, Inc.(BVFL)Earnings, Financials & Key RatiosBV Financial, Inc. (BVFL) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the 20% equity-to-assets ratio provides significant downside protection, the lack of top-line growth and the 38.1% decline in 2026Q1 EPS suggest limited near-term upside for shareholders.
BV Financial, Inc. (BVFL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
BV Financial, Inc. (BVFL) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.40 | $12M |
| Q1 2026 | Jan 23, 2026 | $0.65 | $14M |
| Q4 2025 | Oct 17, 2025 | $0.49 | $13M |
| Q3 2025 | Jul 17, 2025 | $0.38 | $13M |
Recent stock market news and headlines for BV Financial, Inc. (BVFL)
BayVanguard (BV) Financial is rated a buy, with 13% upside driven by undervalued excess capital and normalized earnings. BVFL's ROTCE appears mediocre at 7.8% due to a one-time $2.2M severance and surplus capital, but normalized ROA is strong at 1.45%. Current valuation discounts the potential for capital return; the operating bank's ROTCE is 11.35%, and the justified P/TBV is 1.25x.
Key metrics vs top competitors for BV Financial, Inc. (BVFL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $21.49 | $186.08M | 15.03 | 6.59% | 25.73% | 7.12% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — | |
| $13.78 | $72.5M | -174.43 | 10.24% | -0.73% | -0.12% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $21.41 | $2.23B | 41.98 | 11.94% | 11% | 4.87% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — |
BV Financial, Inc. (BVFL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BV Financial, Inc. (BVFL) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 1, 2026·SEC
May 8, 2026·SEC
May 6, 2026·SEC
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BV Financial, Inc. (BVFL) stock FAQ — growth, dividends, profitability & financials explained
BV Financial, Inc. (BVFL) grew revenue by 6.6% over the past year. This is steady growth.
Yes, BV Financial, Inc. (BVFL) is profitable, generating $12.5M in net income for fiscal year 2025 (25.7% net margin).
BV Financial, Inc. (BVFL) has a return on equity (ROE) of 7.1%. This is below average, suggesting room for improvement.
BV Financial, Inc. (BVFL) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.
BV Financial, Inc. (BVFL) has an efficiency ratio of 44.2%. This is excellent, indicating strong cost control.
