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BV Financial, Inc. (BVFL) Ratios
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BV Financial, Inc. Ratios
BVFL's free cash flow for Q2 2026 was $4.44M. For the 2026 fiscal year, BVFL's free cash flow was increased by $7.00K and operating cash flow was $4.43M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.12 | 0.15 | 0.18 | 0.15 | 0.22 |
| Quick Ratio | 0.12 | 0.15 | 0.18 | 0.15 | 0.22 |
| Cash Ratio | 0.08 | 0.11 | 0.12 | 0.10 | 0.16 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.03 | 0.02 | 0.02 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 62.53 | 56.81 | 38.33 |
| Net Current Asset Value | $ -644.42M | $ -616.22M | $ -574.39M | $ -642.57M | $ -580.12M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.05 | 0.04 | 0.06 | 0.05 |
| Debt-to-Equity Ratio | 0.19 | 0.26 | 0.19 | 0.50 | 0.44 |
| Debt-to-Capital Ratio | 0.16 | 0.20 | 0.16 | 0.33 | 0.31 |
| Long-Term Debt-to-Capital Ratio | 0.16 | 0.20 | 0.16 | 0.33 | 0.31 |
| Financial Leverage Ratio | 4.96 | 4.66 | 4.45 | 8.64 | 9.77 |
| Debt Service Coverage Ratio | 0.97 | 1.11 | 1.56 | 3.21 | 2.61 |
| Interest Coverage Ratio | 1.33 | 1.43 | 2.03 | 4.24 | 3.44 |
| Debt to Market Cap | 0.23 | 0.27 | 0.28 | 0.25 | 0.26 |
| Interest Debt Per Share | 5.67 | 5.75 | 4.98 | 6.60 | 5.70 |
| Net Debt to EBITDA | -1.16 | -1.18 | -1.85 | -1.26 | -5.37 |
| Profitability Margins | |||||
| Gross Profit Margin | 76.60% | 77.05% | 80.54% | 88.48% | 86.43% |
| EBIT Margin | 32.39% | 33.35% | 39.63% | 37.57% | 40.39% |
| EBITDA Margin | 33.94% | 35.39% | 41.87% | 40.23% | 43.61% |
| Operating Profit Margin | 32.38% | 33.35% | 39.63% | 37.54% | 40.39% |
| Pretax Profit Margin | 35.97% | 33.35% | 39.63% | 37.54% | 40.39% |
| Net Profit Margin | 25.73% | 23.83% | 29.17% | 27.15% | 29.74% |
| Continuous Operations Profit Margin | 25.73% | 23.83% | 29.17% | 27.15% | 29.74% |
| Net Income Per EBT | 71.54% | 71.46% | 73.61% | 72.31% | 73.62% |
| EBT Per EBIT | 111.08% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.48% | 1.29% | 1.55% | 1.25% | 1.16% |
| Return on Equity (ROE) | 7.34% | 6.00% | 6.89% | 10.77% | 11.31% |
| Return on Capital Employed (ROCE) | 7.19% | 6.30% | 7.42% | 9.08% | 9.49% |
| Return on Invested Capital (ROIC) | 5.14% | 4.50% | 5.45% | 6.56% | 6.97% |
| Return on Tangible Assets | 1.50% | 1.31% | 1.58% | 1.27% | 1.18% |
| Earnings Yield | 8.83% | 6.37% | 10.37% | 5.30% | 6.60% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.65 | 15.56 | 14.33 | 13.13 | 12.29 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.20 | 3.72 | 3.30 | 2.55 | 2.11 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.09 | -0.09 | -0.07 | -0.06 |
| Cash Conversion Cycle | 21.92 | 23.45 | 25.47 | 27.79 | 29.70 |
| Days of Sales Outstanding | 21.92 | 23.45 | 25.47 | 27.79 | 29.70 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 21.92 | 23.45 | 25.47 | 27.79 | 29.70 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.26 | 1.50 | 1.63 | 1.22 | 1.49 |
| Free Cash Flow Per Share | 2.23 | 1.45 | 1.61 | 1.16 | 1.43 |
| Dividend Paid and CapEx Coverage Ratio | 80.27 | 26.29 | 98.03 | 19.35 | 25.49 |
| Capital Expenditure Coverage Ratio | 80.27 | 26.29 | 98.03 | 19.35 | 25.49 |
| Operating Cash Flow Coverage Ratio | 0.54 | 0.32 | 0.41 | 0.20 | 0.29 |
| Operating Cash Flow to Sales Ratio | 0.36 | 0.33 | 0.32 | 0.25 | 0.33 |
| Free Cash Flow Yield | 12.29% | 8.40% | 11.37% | 4.64% | 7.10% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.60 | 15.65 | 9.65 | 18.89 | 15.16 |
| Price-to-Sales (P/S) Ratio | 2.92 | 3.74 | 2.81 | 5.13 | 4.51 |
| Price-to-Book (P/B) Ratio | 0.83 | 0.94 | 0.66 | 2.03 | 1.71 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.14 | 11.90 | 8.79 | 21.57 | 14.08 |
| Price-to-Operating Cash Flow Ratio | 8.04 | 11.45 | 8.70 | 20.46 | 13.53 |
| Price-to-Earnings Growth (PEG) Ratio | 0.41 | -0.62 | 0.85 | -25.12 | 0.65 |
| Enterprise Value Multiple | 7.43 | 9.38 | 4.87 | 11.49 | 4.96 |
| Enterprise Value | 132.18M | 163.28M | 95.72M | 179.14M | 68.73M |
| EV to EBITDA | 7.43 | 9.38 | 4.87 | 11.49 | 4.96 |
| EV to Sales | 2.52 | 3.32 | 2.04 | 4.62 | 2.16 |
| EV to Free Cash Flow | 7.04 | 10.57 | 6.37 | 19.44 | 6.76 |
| EV to Operating Cash Flow | 6.95 | 10.16 | 6.30 | 18.44 | 6.50 |
| Tangible Book Value Per Share | 20.02 | 16.88 | 19.69 | 10.33 | 9.51 |
| Shareholders’ Equity Per Share | 21.81 | 18.31 | 21.35 | 12.30 | 11.72 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.28 | 0.29 | 0.26 | 0.28 | 0.26 |
| Revenue Per Share | 6.22 | 4.61 | 5.04 | 4.88 | 4.46 |
| Net Income Per Share | 1.60 | 1.10 | 1.47 | 1.32 | 1.33 |
| Tax Burden | 0.72 | 0.71 | 0.74 | 0.72 | 0.74 |
| Interest Burden | 1.11 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.29 | 0.27 | 0.27 | 0.26 |
| Stock-Based Compensation to Revenue | 0.08 | 0.04 | 0.02 | 0.01 | 0.01 |
| Income Quality | 1.41 | 1.37 | 1.11 | 0.92 | 1.12 |
Currency in USD
