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BV Financial, Inc.
(NASDAQ:BVFL)
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Rating:66Neutral
Price Target:
$23.00
▲(12.30% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily supported by solid profitability, strong cash conversion, and a conservative balance sheet with very low leverage. Offsetting this is the sharp TTM revenue decline, which increases uncertainty around sustainable earnings, while technicals are only mildly positive and valuation appears fair based on the provided P/E.
Positive Factors
Strong profitability
Sustained mid-20% net margins and a strong EBIT margin indicate that BV Financial converts banking revenue into profits efficiently. Margin resilience provides an earnings cushion, although future durability still depends on stabilizing the top line.
Negative Factors
Sharp revenue contraction
The severe TTM revenue decline raises uncertainty about the scale and repeatability of current earnings. If weaker revenue persists, stable margins alone may not prevent pressure on profits, operating leverage, or future growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Sustained mid-20% net margins and a strong EBIT margin indicate that BV Financial converts banking revenue into profits efficiently. Margin resilience provides an earnings cushion, although future durability still depends on stabilizing the top line.
Read all positive factors
BV Financial, Inc. (BVFL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$180.93M
Dividend YieldN/A
Average Volume (3M)42.03K
Price to Earnings (P/E)14.1
Beta (1Y)0.54
Revenue Growth3.34%
EPS Growth48.71%
CountryUS
Employees102
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.52
Shares Outstanding8,470,604
10 Day Avg. Volume24,476
30 Day Avg. Volume42,032
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.83
Price to Sales (P/S)2.92
P/FCF Ratio8.14
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 the United States. The company offers noninterest-bearing and interest-bearing checking accounts and ...
How the Company Makes Money
BV Financial primarily makes money through traditional banking income streams generated by its subsidiary bank. The largest driver is typically net interest income: the bank earns interest and fees on loans (such as residential mortgage loans, com...
BV Financial, Inc. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
76
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 51.80M | 52.44M | 49.20M | 46.99M | 38.77M | 31.75M |
| Gross Profit | 40.93M | 40.17M | 37.90M | 37.84M | 34.30M | 27.44M |
| EBITDA | 16.93M | 17.57M | 17.41M | 19.67M | 15.60M | 13.85M |
| Net Income | 13.09M | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M |
Balance Sheet | ||||||
| Total Assets | 877.96M | 912.21M | 911.82M | 885.25M | 844.96M | 815.13M |
| Cash, Cash Equivalents and Short-Term Investments | 40.88M | 80.84M | 96.94M | 108.52M | 101.69M | 148.98M |
| Total Debt | 633.00K | 35.00M | 49.88M | 37.25M | 49.04M | 36.83M |
| Total Liabilities | 694.75M | 728.41M | 716.32M | 686.19M | 747.21M | 731.68M |
| Stockholders Equity | 183.20M | 183.80M | 195.50M | 199.06M | 97.75M | 83.45M |
Cash Flow | ||||||
| Free Cash Flow | 20.11M | 18.79M | 15.45M | 15.04M | 9.21M | 10.16M |
| Operating Cash Flow | 20.00M | 19.02M | 16.06M | 15.19M | 9.71M | 10.58M |
| Investing Cash Flow | 44.11M | -13.29M | -32.50M | -35.17M | -27.76M | 17.45M |
| Financing Cash Flow | -51.52M | -20.53M | 13.19M | 25.07M | -24.49M | -8.83M |
BV Financial, Inc. Technical Analysis
Positive
20.48
Price Trends
20.97
Positive
20.33
Positive
19.42
Positive
Market Momentum
0.09
Negative
53.29
Neutral
59.37
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 20.48 is below the 20-day moving average (MA) of 21.09, below the 50-day MA of 20.97, and above the 200-day MA of 19.42, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 53.29 is Neutral, neither overbought nor oversold. The STOCH value of 59.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BVFL.
BV Financial, Inc. Risk Analysis
BV Financial, Inc. disclosed 35 risk factors in its most recent earnings report. BV Financial, Inc. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BV Financial, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $213.02M | 11.52 | 13.40% | 2.04% | 10.84% | 40.36% | |
75 Outperform | $175.25M | 12.12 | 8.00% | 1.71% | -6.41% | ― | |
73 Outperform | $195.16M | 9.55 | 12.49% | 2.60% | 3.33% | 22.98% | |
68 Neutral | $233.20M | 12.30 | 7.72% | 1.05% | -0.39% | 4.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $180.93M | 14.05 | 7.07% | ― | 3.34% | 48.71% | |
58 Neutral | $201.88M | 16.16 | 6.77% | 0.89% | 0.77% | 6.16% |
* Financial Sector Average
BVFL
BV Financial, Inc.
21.88
5.53
33.82%
CFBK
CF Bankshares
35.70
11.53
47.69%
CZWI
Citizens Community Bancorp
21.17
5.60
35.98%
FCAP
First Capital
63.91
28.27
79.31%
LARK
Landmark Bancorp
32.16
8.22
34.37%
MNSB
MainStreet Bancshares
25.35
4.06
19.05%
BV Financial, Inc. Corporate Events
Business Operations and StrategyExecutive/Board Changes
BV Financial Names CEO Timothy Prindle Board Chairman
Positive
Jun 1, 2026
On June 1, 2026, BV Financial, Inc. announced that its Board elected President and CEO Timothy L. Prindle as Chairman of the Board, combining the leadership roles to better align the company’s operations and strategy based on his experience,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.