Symbols / BVFL Stock $19.83 -0.60% BV Financial, Inc.

Financial Services • Banks - Regional • United States • NCM
BVFL (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Timothy L. Prindle
Exch · Country NCM · United States
Market Cap 173.53M
Enterprise Value 162.69B
Income 12.49M
Sales 42.82M
FCF (ttm) —
Book/sh 0.02
Cash/sh 0.01
Employees 99
Insider 10d —
IPO Feb 17, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 14.69
Forward P/E —
PEG —
P/S 4.05
P/B 862.17
P/C —
EV/EBITDA —
EV/Sales 3,798.97
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.35
EPS next Y —
EPS Growth -99.90%
Revenue Growth 8.70%
EPS Gr Q/Q -48.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) —
ROA 1.36%
ROE 6.54%
ROIC —
Gross Margin 0.00%
Oper. Margin 22.56%
Profit Margin 29.16%
Shs Outstand 8.75M
Shs Float 6.81B
Insider Own 24.84%
Instit Own 39.87%
Short Float 1.70%
Short Ratio 5.32
Short Interest 128.43K
52W High 20.54
vs 52W High -3.46%
52W Low 14.05
vs 52W Low 41.14%
Beta 0.09
Impl. Vol. —
Rel Volume 0.08
Avg Volume 17.73K
Volume 1.49K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $19.95
Price $19.83
Change -0.60%
About

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 money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; personal credit cards; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$19.83
Latest analyst target
3. DCF / Fair value
$20.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$19.83
Low
—
High
—
Mean
—
News
RSS: Latest BVFL news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-26 GALLI JOSEPH S Director — 1,500 $19.60 $29,451
2025-12-17 SEARCY ROSE M Officer — 5,230 $5.65 $29,550
2025-12-12 DEE MICHAEL J Chief Financial Officer — 18,371 $5.65 $103,796
2025-12-12 FLAIR DAVID M. Chief Executive Officer — 21,433 $5.65 $121,096
2025-07-23 GALLI JOSEPH S Director — 28,553 $16.07 $460,537
2025-07-07 CROMPTON WILLIAM B. III Director — 500 $0.00 $0
2025-06-02 GALLI JOSEPH S Director — 500 $15.75 $7,875
2025-05-29 AMEREIHN GARY T. Chairman of the Board — 1,684 $15.65 $26,355
2025-05-22 GALLI JOSEPH S Director — 3,836 $15.80 $60,620
2025-05-20 GALLI JOSEPH S Director — 3,081 $15.79 $48,694
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
39.66
+5.18%
37.70
-0.25%
37.80
+6.96%
35.34
Operating Revenue
39.66
+5.18%
37.70
-0.25%
37.80
+6.96%
35.34
Operating Expense
—
—
19.41
-2.93%
19.99
Selling General And Administration
16.60
+15.68%
14.35
+13.60%
12.64
+21.83%
10.37
Selling And Marketing Expense
0.04
+60.87%
0.02
-46.51%
0.04
+86.96%
0.02
General And Administrative Expense
16.57
+15.60%
14.33
+13.80%
12.59
+21.68%
10.35
Salaries And Wages
16.24
+15.94%
14.01
+14.26%
12.26
+21.00%
10.13
Other Operating Expenses
—
—
3.67
-45.43%
6.74
Reconciled Depreciation
0.81
-18.94%
1.00
-4.66%
1.05
+0.86%
1.04
Total Unusual Items
-0.01
0.00
-100.00%
0.90
+264.63%
0.25
Total Unusual Items Excluding Goodwill
-0.01
0.00
-100.00%
0.90
+264.63%
0.25
Special Income Charges
-0.03
0.00
-100.00%
0.19
-23.58%
0.25
Other Special Charges
0.03
—
-0.19
+23.58%
-0.25
Restructuring And Mergern Acquisition
—
—
—
0.26
Write Off
—
—
—
—
Net Income
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Pretax Income
18.86
+14.98%
16.41
-11.90%
18.62
+27.96%
14.55
Net Interest Income
36.90
+4.87%
35.19
+2.80%
34.23
+14.40%
29.92
Interest Expense
12.81
+11.40%
11.49
+25.08%
9.19
+167.93%
3.43
Interest Income
49.71
+6.48%
46.68
+7.52%
43.42
+30.19%
33.35
Gain On Sale Of Security
0.39
-4.23%
0.40
-37.29%
0.64
-57.04%
1.49
Tax Provision
5.37
+14.63%
4.68
-4.72%
4.92
+21.99%
4.03
Tax Rate For Calcs
0.00
-0.16%
0.00
+8.12%
0.00
-4.69%
0.00
Tax Effect Of Unusual Items
-0.00
0.00
-100.00%
0.24
+247.52%
0.07
Net Income Including Noncontrolling Interests
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Net Income From Continuing Operation Net Minority Interest
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Net Income From Continuing And Discontinued Operation
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Net Income Continuous Operations
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Normalized Income
13.50
+15.15%
11.72
-10.15%
13.05
+26.10%
10.35
Net Income Common Stockholders
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Diluted EPS
1.43
+30.00%
1.10
-25.17%
1.47
+11.36%
1.32
Basic EPS
1.44
+30.91%
1.10
-25.17%
1.47
+11.36%
1.32
Basic Average Shares
9.37
-12.06%
10.66
+14.29%
9.32
+17.29%
7.95
Diluted Average Shares
9.44
-11.45%
10.66
+14.29%
9.32
+16.97%
7.97
Diluted NI Availto Com Stockholders
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Amortization
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Amortization Of Intangibles Income Statement
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Depreciation Amortization Depletion Income Statement
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Depreciation And Amortization In Income Statement
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Insurance And Claims
0.33
+1.23%
0.33
-2.98%
0.34
+53.42%
0.22
Occupancy And Equipment
1.99
-0.89%
2.01
-0.84%
2.03
-3.24%
2.10
Other Non Interest Expense
3.48
-11.84%
3.94
+7.29%
3.67
-45.43%
6.74
Professional Expense And Contract Services Expense
0.93
-7.44%
1.01
+13.77%
0.89
+45.96%
0.61
Rent And Landing Fees
—
—
2.03
-3.24%
2.10
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
912.21
+0.04%
911.82
+3.00%
885.25
+4.77%
844.96
Cash And Cash Equivalents
55.70
-20.99%
70.50
-4.40%
73.74
+7.41%
68.65
Cash Financial
5.62
-3.87%
5.84
-36.91%
9.26
-27.11%
12.70
Other Short Term Investments
25.13
-4.94%
26.44
-23.99%
34.78
+5.29%
33.03
Receivables
3.15
-0.38%
3.16
-3.60%
3.28
+11.08%
2.95
Accounts Receivable
3.15
-0.38%
3.16
-3.60%
3.28
+11.08%
2.95
Net PPE
12.49
-5.53%
13.22
-7.20%
14.25
-6.10%
15.18
Gross PPE
18.73
-0.57%
18.84
-1.58%
19.14
-0.58%
19.25
Accumulated Depreciation
-6.24
-11.09%
-5.62
-14.78%
-4.89
-19.96%
-4.08
Land And Improvements
3.13
-5.92%
3.33
-5.24%
3.51
-5.29%
3.71
Buildings And Improvements
11.59
+0.18%
11.57
-5.88%
12.29
-0.61%
12.36
Machinery Furniture Equipment
3.32
+1.93%
3.26
+7.66%
3.03
+5.14%
2.88
Leases
0.69
+0.73%
0.69
+117.03%
0.32
+3.59%
0.31
Goodwill And Other Intangible Assets
15.07
-1.18%
15.25
-1.17%
15.43
-1.17%
15.62
Goodwill
14.42
+0.00%
14.42
+0.00%
14.42
+0.00%
14.42
Other Intangible Assets
0.65
-21.66%
0.83
-17.89%
1.01
-15.31%
1.20
Investments And Advances
39.37
-9.77%
43.63
-3.57%
45.25
+3.50%
43.72
Long Term Equity Investment
0.40
+3.32%
0.39
+52.73%
0.26
+15.84%
0.22
Total Liabilities Net Minority Interest
728.41
+1.69%
716.32
+4.39%
686.19
-8.17%
747.21
Current Debt And Capital Lease Obligation
—
—
—
—
Current Debt
—
—
—
—
Other Current Borrowings
—
—
—
—
Long Term Debt And Capital Lease Obligation
35.00
-29.84%
49.88
+33.91%
37.25
-24.04%
49.04
Long Term Debt
35.00
-29.84%
49.88
+33.91%
37.25
-24.04%
49.04
Stockholders Equity
183.80
-5.98%
195.50
-1.79%
199.06
+103.64%
97.75
Common Stock Equity
183.80
-5.98%
195.50
-1.79%
199.06
+103.64%
97.75
Capital Stock
0.09
-16.98%
0.11
-7.02%
0.11
+54.05%
0.07
Common Stock
0.09
-16.98%
0.11
-7.02%
0.11
+54.05%
0.07
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
8.85
-16.84%
10.65
-6.42%
11.38
+53.34%
7.42
Ordinary Shares Number
8.85
-16.84%
10.65
-6.42%
11.38
+53.34%
7.42
Additional Paid In Capital
68.83
-27.30%
94.68
-14.29%
110.47
+617.03%
15.41
Retained Earnings
122.99
+12.32%
109.50
+11.99%
97.77
+15.55%
84.61
Gains Losses Not Affecting Retained Earnings
-1.13
+30.29%
-1.62
+17.21%
-1.96
+16.36%
-2.34
Treasury Stock
—
—
—
—
Other Equity Adjustments
-1.13
+30.29%
-1.62
+17.21%
-1.96
+16.36%
-2.34
Total Equity Gross Minority Interest
183.80
-5.98%
195.50
-1.79%
199.06
+103.64%
97.75
Total Capitalization
218.80
-10.83%
245.38
+3.84%
236.32
+60.99%
146.79
Invested Capital
218.80
-10.83%
245.38
+3.84%
236.32
+60.99%
146.79
Total Debt
35.00
-29.84%
49.88
+33.91%
37.25
-24.04%
49.04
Net Tangible Assets
168.73
-6.39%
180.25
-1.84%
183.63
+123.57%
82.14
Tangible Book Value
168.73
-6.39%
180.25
-1.84%
183.63
+123.57%
82.14
Available For Sale Securities
10.69
-2.75%
10.99
-68.41%
34.78
+5.29%
33.03
Cash Cash Equivalents And Federal Funds Sold
55.70
-20.99%
70.50
-4.40%
73.74
+7.41%
68.65
Held To Maturity Securities
3.14
-45.91%
5.81
-43.06%
10.21
-2.41%
10.46
Investmentin Financial Assets
—
—
44.99
+3.44%
43.49
Other Equity Interest
-6.98
+2.54%
-7.16
+2.29%
-7.33
-213.03%
-2.34
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
19.02
+18.43%
16.06
+5.72%
15.19
+56.41%
9.71
Cash Flow From Continuing Operating Activities
19.02
+18.43%
16.06
+5.72%
15.19
+56.41%
9.71
Net Income From Continuing Operations
13.49
+15.12%
11.72
-14.47%
13.71
+30.25%
10.52
Depreciation Amortization Depletion
0.81
-18.94%
1.00
-4.66%
1.05
+0.86%
1.04
Depreciation
0.63
-22.99%
0.82
-5.41%
0.87
+1.05%
0.86
Amortization Cash Flow
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Depreciation And Amortization
0.81
-18.94%
1.00
-4.66%
1.05
+0.86%
1.04
Amortization Of Intangibles
0.18
-0.55%
0.18
-1.09%
0.18
+0.00%
0.18
Other Non Cash Items
-0.27
-13.68%
-0.23
+75.57%
-0.96
+39.48%
-1.58
Stock Based Compensation
4.34
+108.85%
2.08
+139.52%
0.87
+236.43%
0.26
Provisionand Write Offof Assets
—
—
-0.04
-104.34%
1.04
Asset Impairment Charge
—
—
—
—
Deferred Tax
1.15
+2082.76%
-0.06
-128.02%
0.21
-32.79%
0.31
Deferred Income Tax
1.15
+2082.76%
-0.06
-128.02%
0.21
-32.79%
0.31
Operating Gains Losses
0.03
+1600.00%
-0.00
+98.94%
-0.19
—
Gain Loss On Sale Of PPE
—
0.00
+100.00%
-0.19
0.00
Change In Working Capital
1.77
+113.15%
0.83
-27.47%
1.14
+623.42%
0.16
Change In Receivables
0.67
-69.85%
2.23
+846.49%
-0.30
-135.09%
0.85
Changes In Account Receivables
0.67
-69.85%
2.23
+846.49%
-0.30
-135.09%
0.85
Change In Other Current Assets
—
—
-0.30
-135.09%
0.85
Change In Other Current Liabilities
1.09
+177.98%
-1.40
-197.30%
1.44
+307.78%
-0.69
Investing Cash Flow
-13.29
+59.09%
-32.50
+7.61%
-35.17
-26.70%
-27.76
Cash Flow From Continuing Investing Activities
-13.29
+59.09%
-32.50
+7.61%
-35.17
-26.70%
-27.76
Net PPE Purchase And Sale
-0.24
+61.21%
-0.61
-224.95%
0.49
+11.90%
0.44
Purchase Of PPE
-0.24
+61.21%
-0.61
-294.19%
-0.15
+69.12%
-0.50
Sale Of PPE
—
0.00
-100.00%
0.64
-31.42%
0.94
Capital Expenditure
-0.24
+61.21%
-0.61
-294.19%
-0.15
+69.12%
-0.50
Net Investment Purchase And Sale
4.87
+166.50%
1.83
+287.58%
-0.97
+58.59%
-2.35
Purchase Of Investment
-16.01
-10.43%
-14.50
-109.60%
-6.92
+42.36%
-12.00
Sale Of Investment
20.88
+27.90%
16.33
+174.68%
5.94
-38.40%
9.65
Net Business Purchase And Sale
—
0.01
0.00
-100.00%
8.52
Purchase Of Business
—
—
—
—
Net Other Investing Changes
-0.96
-29.46%
-0.74
-120.51%
3.61
-38.24%
5.84
Financing Cash Flow
-20.53
-255.59%
13.19
-47.38%
25.07
+202.36%
-24.49
Cash Flow From Continuing Financing Activities
-20.53
-255.59%
13.19
-47.38%
25.07
+202.36%
-24.49
Net Issuance Payments Of Debt
-15.00
-225.98%
11.91
+199.23%
-12.00
-200.00%
12.00
Issuance Of Debt
35.00
+133.33%
15.00
-41.18%
25.50
+6.25%
24.00
Repayment Of Debt
-50.00
-1516.55%
-3.09
+91.75%
-37.50
-212.50%
-12.00
Long Term Debt Issuance
35.00
+133.33%
15.00
-41.18%
25.50
+6.25%
24.00
Long Term Debt Payments
-50.00
-1516.55%
-3.09
+91.75%
-37.50
-212.50%
-12.00
Net Long Term Debt Issuance
-15.00
-225.98%
11.91
+199.23%
-12.00
-200.00%
12.00
Net Common Stock Issuance
-30.02
-69.57%
-17.70
-118.07%
97.99
0.00
Common Stock Payments
-30.02
-69.57%
-17.70
0.00
—
Repurchase Of Capital Stock
-30.02
-69.57%
-17.70
0.00
—
Proceeds From Stock Option Exercised
—
0.00
+100.00%
-7.33
-732900.00%
0.00
Net Other Financing Charges
-0.11
-106.91%
1.53
+144.73%
-3.43
-312.89%
-0.83
Changes In Cash
-14.79
-356.35%
-3.24
-163.69%
5.09
+111.97%
-42.54
Beginning Cash Position
70.50
-4.40%
73.74
+7.41%
68.65
-38.26%
111.19
End Cash Position
55.70
-20.99%
70.50
-4.40%
73.74
+7.41%
68.65
Free Cash Flow
18.79
+21.58%
15.45
+2.75%
15.04
+63.25%
9.21
Interest Paid Supplemental Data
12.72
+12.14%
11.34
+23.42%
9.19
+167.85%
3.43
Income Tax Paid Supplemental Data
3.01
-48.80%
5.89
+19.78%
4.92
+21.99%
4.03
Common Stock Issuance
—
0.00
-100.00%
97.99
0.00
Issuance Of Capital Stock
—
0.00
-100.00%
97.99
0.00
Sale Of Business
—
0.01
0.00
-100.00%
8.52
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category