BV Financial, Inc. (BVFL) AI Stock Analysis

• Market Cap: $163.50M
• Dividend Yield: N/A
• Average Volume (3M): 40.29K
• Price to Earnings (P/E): 15.4
• Beta (1Y): 0.66
• Revenue Growth: 4.86%
• EPS Growth: -8.20%
• Country: US
• Employees: 109
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 9,939,490
• 10 Day Avg. Volume: 83,344
• 30 Day Avg. Volume: 40,291
• 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: 1.07
• Enterprise Value/Revenue: 3.45
• Enterprise Value/Gross Profit: 4.57
• Enterprise Value/Ebitda: 11.24
• 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: 66 Neutral
• Price Target: $17.00 ▲(7.12% Upside)

BV Financial, Inc. scores moderately due to its stable financial performance and reasonable valuation. The technical analysis indicates some bearish momentum, which slightly offsets the overall score. The absence of a dividend yield and lack of recent earnings call data or corporate events also limit the score. The company is fundamentally sound but faces challenges in profitability and cash flow efficiency.

BV Financial, Inc. Business Overview & Revenue Model

Company Description

BV Financial, Inc. (BVFL) is a diversified financial services firm that operates in the sectors of investment management, financial advisory, and wealth management. The company provides a range of core products and services including portfolio management, retirement planning, financial planning, and asset allocation strategies aimed at individual and institutional clients. BVFL focuses on delivering tailored financial solutions that meet the unique needs of its clients while adhering to high ethical standards and fostering long-term relationships.

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 clients invest their funds through BVFL. Additionally, BVFL may charge performance fees based on the returns generated for clients, creating an incentive for the firm to maximize investment performance. The company also benefits from commissions and fees associated with financial products sold to clients. Strategic partnerships with financial institutions and technology providers enhance BVFL's service offerings and market reach, contributing to its overall revenue growth.

BV Financial, Inc. Financial Statement Overview

Summary

BV Financial, Inc. demonstrates a stable financial position with consistent revenue growth and strong gross margins. The balance sheet is robust with low leverage, providing financial stability. Cash flow generation is improving, although there are some challenges in converting income into cash. The company is well-positioned in the regional banking sector, but there is room for enhancing profitability and cash flow efficiency.

Income Statement

BV Financial, Inc. shows a stable revenue growth trajectory with a TTM revenue growth rate of 1.56%. The gross profit margin remains strong at 75.47%, indicating efficient cost management. However, the net profit margin has slightly decreased to 21.08% in the TTM, reflecting some pressure on profitability. The EBIT and EBITDA margins are healthy, though they have decreased compared to previous periods, suggesting potential challenges in operational efficiency.

Balance Sheet

The company's balance sheet reflects a solid equity base with a debt-to-equity ratio of 0.18, indicating low leverage and financial stability. The return on equity (ROE) is modest at 5.35%, suggesting room for improvement in generating returns for shareholders. The equity ratio stands at approximately 21.79%, demonstrating a strong equity position relative to total assets.

Cash Flow

BV Financial, Inc. has shown a positive free cash flow growth rate of 7.26% in the TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is low at 0.026, suggesting potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 0.97, reflecting efficient cash management relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	50.80M	49.20M	46.80M	38.77M	31.75M	19.88M
Gross Profit	38.33M	37.90M	37.84M	34.30M	27.44M	16.28M
EBITDA	15.60M	17.41M	19.67M	15.60M	13.85M	9.69M
Net Income	10.71M	11.72M	13.71M	10.52M	9.44M	7.64M
Balance Sheet
Total Assets	908.33M	911.82M	885.25M	844.96M	815.13M	817.50M
Cash, Cash Equivalents and Short-Term Investments	40.35M	107.76M	108.52M	101.69M	148.98M	124.45M
Total Debt	35.82M	49.88M	37.25M	49.04M	36.83M	54.66M
Total Liabilities	710.34M	716.32M	686.19M	747.21M	731.68M	743.48M
Stockholders Equity	197.99M	195.50M	199.06M	97.75M	83.45M	74.02M
Cash Flow
Free Cash Flow	16.67M	15.45M	15.04M	9.21M	10.16M	4.65M
Operating Cash Flow	17.14M	16.06M	15.19M	9.71M	10.58M	5.02M
Investing Cash Flow	-48.37M	-32.50M	-35.17M	-27.76M	17.45M	32.33M
Financing Cash Flow	-3.09M	13.19M	25.07M	-24.49M	-8.83M	30.11M

BV Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.87
• 50DMA: Positive
• 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 15.87 is below the 20-day moving average (MA) of 15.95, below the 50-day MA of 16.24, and above the 200-day MA of 15.60, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 59.96 is Neutral, neither overbought nor oversold. The STOCH value of 69.88 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
FCAP	72 Outperform	$143.30M	9.70	11.84%	2.76%	11.62%	25.07%
CZWI	69 Neutral	$155.91M	12.54	7.00%	2.20%	-2.16%	-9.35%
LARK	68 Neutral	$147.82M	8.58	11.72%	3.24%	12.42%	39.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$162.40M	9.38	9.18%	1.28%	2.34%	22.43%
BVFL	66 Neutral	$163.50M	15.42	5.32%	―	4.86%	-8.20%
MNSB	43 Neutral	$143.79M	-20.63	-2.07%	2.09%	1.92%	-174.59%

BV Financial, Inc. Corporate Events

BV Financial, Inc. Reports Q3 Earnings and Stock Buyback

BV Financial, Inc., the parent company of BayVanguard Bank, operates as a full-service community-oriented financial institution serving the Baltimore metropolitan area and the eastern shore of Maryland.