BV Financial, Inc. (BVFL) AI Stock Analysis

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BV Financial, Inc.

(NASDAQ:BVFL)

Select Model

Rating:82Outperform

Price Target:$24.50▲(12.85% Upside)

Action:reiterated

Date:08/17/26

Driven by robust financial health including strong balance sheet and cash flows, supported by bullish technicals and positive corporate leadership update; reasonable valuation tempers score amid no dividend and recent revenue softening.

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: $183.90M
Dividend Yield: ―
Average Volume (3M): 16.45K
Price to Earnings (P/E): 14.1
Beta (1Y): 0.53
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

Strong balance sheet with low leverage and equity growth, healthy cash flows, and consistent profitability, offset by slowing revenue growth in TTM.

Income Statement

75Positive

Balance Sheet

90Very Positive

Cash Flow

80Positive

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 SentimentPositive

Last Price21.71

Price Trends

50DMA21.47Positive

100DMA21.31Positive

200DMA20.38Positive

Market Momentum

MACD0.17Positive

RSI49.25Neutral

STOCH24.60Neutral

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 21.71 is below the 20-day moving average (MA) of 21.86, above the 50-day MA of 21.47, and above the 200-day MA of 20.38, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 49.25 is Neutral, neither overbought nor oversold. The STOCH value of 24.60 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

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
BVFL	82Outperform	$185.20M	14.10	6.96%	―	1.48%	43.50%
FCAP	81Outperform	$214.56M	11.10	13.77%	1.97%	10.53%	29.70%
LARK	70Outperform	$197.35M	9.38	12.73%	2.60%	1.42%	18.96%
CFBK	68Neutral	$236.82M	10.09	11.74%	1.03%	-0.92%	39.31%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNSB	67Neutral	$156.91M	11.20	7.61%	1.84%	-5.53%	―
CZWI	65Neutral	$226.07M	15.85	7.64%	1.33%	1.78%	-18.19%

* Financial Sector Average

Performance Comparison

BVFL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BVFL	BV Financial, Inc.	21.71	4.87	28.92%
CFBK	Cf Bankshares Inc	35.10	11.97	51.72%
CZWI	Citizens Community	23.77	7.65	47.46%
FCAP	First Capital	63.48	19.92	45.72%
LARK	Landmark	31.90	8.26	34.92%
MNSB	Mainstreet Bancshares	21.73	3.49	19.13%

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, ma...

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