BV Financial, Inc. (BVFL) AI Stock Analysis

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BV Financial, Inc.

(NASDAQ:BVFL)

Select Model

Rating:63Neutral

Price Target:$22.50▲(6.89% Upside)

Action:reiterated

Date:08/17/26

BVFL scores as a modestly above-average hold. The strongest factor is its conservative financial position — a near-debt-free balance sheet, growing cash flows, and consistent profitability — which provides downside protection. However, this is offset by below-average ROE (7.1%), margin compression, and the absence of a dividend, which limit upside appeal for a regional bank. Technical indicators are neutral with no strong momentum catalyst. Valuation is fair at a ~14x P/E but lacks a compelling discount given the earnings trajectory. The CEO-Chairman consolidation is a minor governance consideration. Overall, BVFL is a low-risk, low-return profile suitable for conservative investors, but it needs to demonstrate improved capital deployment and earnings growth to warrant a higher score.

Positive Factors

Sustained ProfitabilityStrong net and operating margins indicate that BV Financial’s core banking model remains profitable. Margin resilience provides a buffer against moderate funding-cost or credit-cycle pressure and supports internally generated capital over the medium term.

Negative Factors

Sharp Revenue ContractionThe sharp TTM revenue decline raises uncertainty about the durability of current earnings, even though margins remain strong. Continued weakness in loan, fee, or securities-related income could reduce profitability and constrain future growth.

BV Financial, Inc. (BVFL) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $178.31M
Dividend Yield: ―
Average Volume (3M): 16.86K
Price to Earnings (P/E): 13.8
Beta (1Y): 0.55
Revenue Growth: 1.48%
EPS Growth: 43.50%
Country: US
Employees: 102
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 mon...

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, commer...

BV Financial, Inc. Financial Statement Overview

Summary

BV Financial demonstrates a conservatively managed balance sheet with dramatically reduced leverage and steadily growing cash flows. The balance sheet score (72) is the strongest component, reflecting a fortress-like capital position with near-zero debt and equity that has more than doubled. Cash flow generation (70) is solid with high-quality earnings conversion. However, the income statement (62) reflects margin compression — EBIT margins declining from ~40% to ~32% and gross margins from ~88% to ~79% — along with a concerning TTM revenue anomaly. ROE at ~7.1% is below the regional bank industry average of 9-12%, indicating under-deployment of the enlarged capital base. Overall, financially sound but facing capital efficiency challenges.

Income Statement

62Positive

Balance Sheet

72Positive

Cash Flow

70Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	52.32M	52.44M	49.20M	46.99M	38.77M	31.75M
Gross Profit	41.47M	40.17M	37.90M	37.84M	34.30M	27.44M
EBITDA	23.08M	17.80M	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

Technical Analysis SentimentNegative

Last Price21.05

Price Trends

50DMA21.52Negative

100DMA21.39Negative

200DMA20.48Positive

Market Momentum

MACD-0.05Positive

RSI41.71Neutral

STOCH6.83Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BVFL, the sentiment is Negative. The current price of 21.05 is below the 20-day moving average (MA) of 21.85, below the 50-day MA of 21.52, and above the 200-day MA of 20.48, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 41.71 is Neutral, neither overbought nor oversold. The STOCH value of 6.83 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BVFL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	82Outperform	$216.13M	11.57	13.77%	1.89%	10.53%	29.70%
CFBK	78Outperform	$236.11M	10.10	11.74%	1.02%	-0.92%	39.31%
CZWI	73Outperform	$223.29M	15.64	7.64%	1.41%	1.78%	16.81%
MNSB	70Outperform	$153.38M	11.10	7.61%	1.86%	-5.53%	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BVFL	63Neutral	$178.15M	13.80	6.96%	―	1.48%	43.50%
LARK	62Neutral	$197.61M	9.46	12.73%	2.61%	1.32%	18.96%

* Financial Sector Average

Performance Comparison

BVFL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BVFL	BV Financial, Inc.	21.05	4.10	24.19%
CFBK	Cf Bankshares Inc	35.32	12.81	56.94%
CZWI	Citizens Community	23.44	7.41	46.23%
FCAP	First Capital	66.00	21.97	49.89%
LARK	Landmark	32.22	7.59	30.84%
MNSB	Mainstreet Bancshares	21.45	3.61	20.26%

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, market k...

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.

Date of analysis: Aug 17, 2026

BV Financial, Inc. AI Stock Analysis