BV Financial, Inc. (BVFL) AI Stock Analysis

BV Financial, Inc. operates as the holding company for BayVanguard Bank, delivering banking and financial services to individuals and businesses across the United States. Its deposit products include noninterest-bearing and interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The bank offers diverse loan solutions, including residential real estate, home equity, construction, auto, boat, personal credit cards, commercial lines of credit, commercial real estate, and SBA loans. It also provides short-term real estate financing, ATM access, safe deposit boxes, remote deposit capture, bill pay, and merchant banking services.

BV Financial grew revenue from $31.7M in FY2021 to $52.4M in FY2025, achieving a 5-year revenue CAGR of 21.4%. Annual revenue growth moderated from 59.7% in FY2021 and 22.1% in FY2022 to 4.7% in FY2024 and 6.6% in FY2025. Gross margin contracted from 86.4% in FY2021 to 76.6% in FY2025, while operating margin shifted from 40.4% down to 32.4%. Annual net income rose from $9.4M in FY2021 to $13.5M in FY2025, with EPS increasing from $1.25 to $1.47. Over the trailing twelve months, revenue reached $43.4M with a profit margin of 30.2% and EPS of $1.51. In the latest quarter ended June 30, 2026, revenue increased 5.5% year-over-year while quarterly earnings expanded 44.8%.

As of June 30, 2026, BV Financial reported $40.9M in cash and short-term investments against total debt of $633,000, leaving net cash of $40.2M. The bank has a current ratio of 62.48 and a debt-to-equity ratio of 0.00, supported by $183.2M in shareholders' equity and $878.0M in total assets. Operating cash flow grew to $19.0M in FY2025, producing $18.8M in free cash flow after capital expenditures of $237,000. During FY2025, the company deployed $30.0M into share buybacks.

At a closing price of $21.67, BV Financial trades at a trailing price-to-earnings multiple of 14.4x, above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales multiple of 4.2x also sits above the peer median of 3.2x, while its price-to-book ratio is 1.0x. Over the past year, the stock returned 48.1%, outperforming the S&P 500 return of 16.8%. However, over five years, the stock returned 66.1%, trailing the S&P 500 return of 83.0%.

BV Financial, Inc. does not have Wall Street analyst coverage, rating counts, or consensus price targets reported. The company also does not have reported forward earnings estimates or an announced next earnings release date. In its latest reported quarter ended June 30, 2026, the company posted quarterly earnings growth of 44.8% year-over-year. For the trailing twelve months, diluted earnings per share reached $1.51, up from $1.47 reported in FY2025.

This page is an AI-written research summary of BV Financial, Inc. (BVFL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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