BV Financial, Inc. (BVFL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q2'09 | Q1'09 | Q4'08 |
|---|
| Net Interest Income | 9.11M | 9.75M | 9.35M | 9.16M | 8.64M | 9.01M | 9.3M | 8.91M | 7.96M | 8.91M | 8.88M | 8.24M | 8.2M | 8.46M | 7.75M | 7.17M | 6.54M | 763K | 1.07M | 1.14M |
| NII Growth % | 5.41% | 8.21% | 0.51% | 2.77% | 8.54% | 1.08% | 4.81% | 8.16% | -2.89% | 5.42% | 14.47% | 14.96% | 25.34% | - | - | - | - | -24.38% | 21.7% | 27.09% |
| Net Interest Margin % | 1% | 1.07% | 1.03% | 1.01% | 0.94% | 0.99% | 1.04% | 0.99% | 0.89% | 1.01% | 0.95% | 0.89% | 0.96% | 1% | 0.91% | 0.84% | 0.76% | 0.49% | 0.66% | 0.74% |
| Interest Income | 12.08M | 13.03M | 12.53M | 12.27M | 11.88M | 11.91M | 12.15M | 11.62M | 11M | 11.48M | 11.71M | 10.54M | 9.69M | 9.37M | 8.57M | 8M | 7.41M | 2M | 2.08M | 2.18M |
| Interest Expense | 2.97M | 3.28M | 3.18M | 3.11M | 3.24M | 2.9M | 2.85M | 2.71M | 3.04M | 2.56M | 2.84M | 2.3M | 1.49M | 912K | 816K | 835K | 871K | 1.23M | 1.01M | 1.04M |
| Loan Loss Provision | 0 | 0 | -1.01M | 178K | 297K | 603K | -714K | -111K | 18K | 435K | -333K | -150K | 2K | 451K | 186K | 224K | 177K | 685K | 23K | 21K |
| Non-Interest Income | 0 | 793K | 690K | 714K | 533K | 645K | 696K | 585K | 578K | 685K | 694K | 1.37M | 807K | 2.31M | 636K | 947K | 1.49M | 78K | 14K | -94K |
| Non-Interest Income % | 0% | 5.74% | 5.22% | 5.5% | 4.29% | 5.14% | 5.42% | 4.79% | 4.99% | 5.63% | 5.59% | 11.5% | 7.69% | 19.8% | 6.91% | 10.58% | 16.72% | 3.76% | 0.67% | -4.51% |
| Total Revenue | 12.08M | 13.82M | 13.22M | 12.98M | 12.41M | 12.56M | 12.85M | 12.2M | 11.58M | 12.16M | 12.41M | 11.91M | 10.49M | 11.68M | 9.21M | 8.95M | 8.9M | 2.07M | 2.1M | 2.09M |
| Revenue Growth % | -2.67% | 10.11% | 2.89% | 6.38% | 7.18% | 3.24% | 3.52% | 2.46% | 10.36% | 4.09% | 34.79% | 33.11% | 17.91% | - | - | - | - | -8.11% | -7.22% | -12.13% |
| Non-Interest Expense | 7.59M | 5.38M | 5.89M | 5.75M | 6.18M | 6.21M | 5.47M | 4.9M | 4.92M | 5.16M | 4.82M | 4.54M | 4.7M | 6.34M | 4.56M | 4.45M | 4.36M | 5.07M | 1.03M | 1.07M |
| Efficiency Ratio | 62.8% | 38.89% | 44.53% | 44.34% | 49.77% | 49.43% | 42.6% | 40.13% | 42.51% | 42.4% | 38.84% | 38.16% | 44.78% | 54.3% | 49.5% | 49.78% | 48.96% | 244.77% | 49.14% | 51.53% |
| Operating Income | 1.52M | 5.17M | 5.18M | 3.94M | 2.7M | 2.85M | 5.24M | 4.72M | 3.6M | 4.02M | 5.08M | 5.21M | 4.3M | 3.98M | 3.65M | 3.43M | 3.5M | -4.92M | 32K | -50K |
| Operating Margin % | 12.61% | 37.37% | 39.18% | 30.33% | 21.73% | 22.67% | 40.79% | 38.67% | 31.08% | 33.06% | 40.96% | 43.77% | 41.02% | 34.04% | 39.62% | 38.38% | 39.27% | -237.24% | 1.53% | -2.4% |
| Operating Income Growth % | -43.51% | 81.49% | -1.18% | -16.57% | -25.06% | -29.2% | 3.09% | -9.48% | -16.38% | 1.11% | 39.37% | 51.81% | 23.18% | - | - | - | - | -1408.59% | 114.55% | 35.06% |
| Pretax Income | 2.05M | 7.06M | 5.17M | 3.94M | 2.7M | 2.85M | 5.24M | 4.72M | 3.6M | 4.02M | 5.08M | 5.21M | 4.3M | 3.98M | 3.65M | 3.43M | 3.5M | -4.92M | 32K | -50K |
| Pretax Margin % | 16.98% | 51.05% | 39.12% | 30.33% | 21.73% | 22.67% | 40.79% | 38.67% | 31.08% | 33.06% | 40.96% | 43.77% | 41.02% | 34.04% | 39.62% | 38.38% | 39.27% | -237.24% | 1.53% | -2.4% |
| Income Tax | 961K | 2.25M | 1.44M | 1.08M | 599K | 895K | 1.44M | 1.32M | 1.03M | 1.01M | 1.4M | 1.31M | 1.19M | 1.25M | 1.03M | 669K | 1.08M | -2.08M | 74K | 33K |
| Effective Tax Rate % | 46.83% | 31.93% | 27.85% | 27.33% | 22.2% | 31.44% | 27.52% | 27.97% | 28.5% | 25.17% | 27.52% | 25.21% | 27.64% | 31.36% | 28.38% | 19.48% | 30.84% | 42.33% | 231.25% | -66% |
| Net Income | 1.09M | 4.8M | 3.73M | 2.86M | 2.1M | 1.95M | 3.8M | 3.4M | 2.57M | 3.01M | 3.68M | 3.9M | 3.12M | 2.73M | 2.61M | 2.77M | 2.42M | -2.84M | -42K | -83K |
| Net Margin % | 9.03% | 34.75% | 28.22% | 22.04% | 16.91% | 15.55% | 29.57% | 27.86% | 22.22% | 24.74% | 29.69% | 32.74% | 29.68% | 23.37% | 28.37% | 30.9% | 27.15% | -136.81% | -2% | -3.98% |
| Net Income Growth % | -48.02% | 146.11% | -1.79% | -15.83% | -18.45% | -35.13% | 3.09% | -12.82% | -17.37% | 10.22% | 41.04% | 41.01% | 28.88% | - | - | - | - | -1400.53% | 63.16% | -69.39% |
| Net Income (Continuing) | 1.09M | 4.8M | 3.73M | 2.86M | 2.1M | 1.95M | 3.8M | 3.4M | 2.57M | 3.01M | 3.68M | 3.9M | 3.12M | 2.73M | 2.61M | 2.77M | 2.42M | -2.84M | -42K | -83K |
| EPS (Diluted) | 0.13 | 0.56 | 0.38 | 0.29 | 0.21 | 0.18 | 0.35 | 0.32 | 0.24 | 0.28 | 0.35 | 0.52 | 0.39 | 0.34 | 0.33 | 0.37 | 0.33 | -1.23 | -0.02 | -0.04 |
| EPS Growth % | -38.1% | 211.11% | 8.57% | -9.38% | -12.5% | -35.71% | 0% | -38.46% | -38.46% | -17.65% | 6.06% | 40.54% | 18.18% | - | - | - | - | -1416.65% | 60% | -100% |
| EPS (Basic) | 0.13 | 0.57 | 0.41 | 0.29 | 0.21 | 0.18 | 0.35 | 0.32 | 0.24 | 0.28 | 0.35 | 0.52 | 0.39 | 0.34 | 0.33 | 0.37 | 0.33 | -1.23 | -0.02 | -0.04 |
| Diluted Shares Outstanding | 8.39M | 8.58M | 9.86M | 9.86M | 9.99M | 10.84M | 10.78M | 10.62M | 10.72M | 10.75M | 10.63M | 7.43M | 7.99M | 8.03M | 7.98M | 7.43M | 7.41M | 2.31M | 2.32M | 2.31M |