BV Financial, Inc. (BVFL) Income Statement
BVFL 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBVFL revenue and net income
Where BVFL's revenue goes
2025Each bar shows an amount and its share of revenue. BVFL kept 25.7% of revenue as net income.
BVFL profit margins
BVFL growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +6.6% | +10.6% | +21.4% | +21.5% |
| Gross profit | +6.0% | +5.4% | +19.8% | +20.3% |
| Operating income | +3.5% | +5.3% | +13.6% | +35.0% |
| Net income | +15.1% | +8.6% | +12.0% | +34.2% |
| EPS (diluted) | +33.6% | −2.8% | +1.9% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BVFL quarterly EPS vs estimates
BVFL income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $52.4M | $49.2M | $47.0M | $38.8M | $31.7M | $19.9M | $12.7M | $7.2M | $7.3M | $7.3M |
| Cost of revenue | $12.3M | $11.3M | $9.1M | $4.5M | $4.3M | $3.6M | $1.9M | $893,000 | $1.2M | $0 |
| Gross profit | $40.2M | $37.9M | $37.8M | $34.3M | $27.4M | $16.3M | $10.8M | $6.3M | $6.1M | $7.3M |
| Sales, general & admin | $12.5M | $14.4M | $12.6M | $10.4M | $8.1M | $6.1M | $4.7M | $2.9M | $2.8M | $4.2M |
| Total operating expenses | $23.2M | $21.5M | $19.2M | $19.7M | $14.6M | $7.3M | $7.5M | $5.1M | $5.1M | $2.0M |
| Operating income | $17.0M | $16.4M | $18.6M | $14.6M | $12.8M | $9.0M | $3.3M | $1.2M | $1.0M | $212,000 |
| Interest income | $49.7M | $46.7M | $43.4M | $33.4M | $29.4M | $18.2M | — | — | — | — |
| Interest expense | $12.8M | $11.5M | $9.2M | $3.4M | $3.7M | $2.9M | $1.7M | $779,000 | $784,000 | $46,000 |
| Income before taxes | $18.9M | $16.4M | $18.6M | $14.6M | $12.8M | $9.0M | $3.3M | $1.2M | $1.0M | −$221,000 |
| Income taxes | $5.4M | $4.7M | $4.9M | $4.0M | $3.4M | $1.3M | $865,000 | $1.1M | $372,000 | −$101,000 |
| Net income | $13.5M | $11.7M | $13.7M | $10.5M | $9.4M | $7.6M | $2.5M | $91,000 | $653,000 | −$120,000 |
| EBITDA | $17.8M | $17.4M | $19.7M | $15.6M | $13.8M | $9.7M | $3.7M | $1.4M | $1.3M | $241,000 |
| EPS (diluted) | $1.47 | $1.10 | $1.05 | $1.60 | $1.25 | $1.34 | $0.39 | −$0.13 | −$0.13 | $0.22 |
| Gross margin | 76.6% | 77.0% | 80.5% | 88.5% | 86.4% | 81.9% | 85.4% | 87.6% | 83.8% | 100.0% |
| Operating margin | 32.4% | 33.3% | 39.6% | 37.5% | 40.4% | 45.2% | 26.4% | 16.4% | 14.0% | 2.9% |
| Net margin | 25.7% | 23.8% | 29.2% | 27.1% | 29.7% | 38.5% | 19.5% | 1.3% | 8.9% | −1.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.7M | $12.1M | $13.8M | $13.2M | $13.0M | $12.4M | $12.6M | $12.8M | $12.2M | $11.6M | $12.2M | $12.4M |
| Cost of revenue | $2.5M | $3.0M | $3.3M | $2.2M | $3.3M | $3.5M | $3.5M | $2.1M | $2.6M | $3.1M | $3.0M | $2.5M |
| Gross profit | $10.2M | $9.1M | $10.5M | $11.1M | $9.7M | $8.9M | $9.1M | $10.7M | $9.6M | $8.5M | $9.2M | $9.9M |
| Sales, general & admin | $334,000 | $7.6M | $3.7M | $244,000 | $4.0M | $4.6M | $4.4M | $3.6M | $3.2M | $3.2M | $3.5M | $3.3M |
| Total operating expenses | $5.5M | $7.6M | $5.4M | $5.9M | $5.8M | $6.2M | $6.2M | $5.5M | $4.9M | $4.9M | $5.2M | $4.8M |
| Operating income | $4.7M | $1.5M | $5.2M | $5.2M | $3.9M | $2.7M | $2.8M | $5.2M | $4.7M | $3.6M | $4.0M | $5.1M |
| Interest income | $12.2M | $12.1M | $13.0M | $12.5M | $12.3M | $11.9M | $11.9M | $12.2M | $11.6M | $11.0M | $11.5M | $11.7M |
| Interest expense | $2.7M | $3.0M | $3.3M | $3.2M | $3.1M | $3.2M | $2.9M | $2.8M | $2.7M | $3.0M | $2.6M | $2.8M |
| Income before taxes | $4.7M | $2.1M | $7.1M | $5.2M | $3.9M | $2.7M | $2.8M | $5.2M | $4.7M | $3.6M | $4.0M | $5.1M |
| Income taxes | $1.3M | $961,000 | $2.3M | $1.4M | $1.1M | $599,000 | $895,000 | $1.4M | $1.3M | $1.0M | $1.0M | $1.4M |
| Net income | $3.5M | $1.1M | $4.8M | $3.7M | $2.9M | $2.1M | $2.0M | $3.8M | $3.4M | $2.6M | $3.0M | $3.7M |
| EBITDA | $5.0M | $1.6M | $5.2M | $5.4M | $4.0M | $2.9M | $3.1M | $5.6M | $4.9M | $3.9M | $4.3M | $5.3M |
| EPS (diluted) | $0.47 | $0.13 | $0.56 | $0.41 | $0.29 | $0.21 | $0.18 | $0.35 | $0.32 | $0.24 | $0.28 | $0.35 |
| Gross margin | 80.7% | 75.4% | 76.3% | 83.6% | 74.7% | 71.5% | 72.1% | 83.4% | 78.8% | 73.6% | 75.5% | 79.8% |
| Operating margin | 37.3% | 12.6% | 37.4% | 39.2% | 30.3% | 21.7% | 22.7% | 40.8% | 38.7% | 31.1% | 33.1% | 41.0% |
| Net margin | 27.3% | 9.0% | 34.7% | 28.2% | 22.0% | 16.9% | 15.5% | 29.6% | 27.9% | 22.2% | 24.7% | 29.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BVFL's financial statements (latest annual report filed March 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BVFL financial results
In fiscal year 2025 (ended December 31, 2025), BV Financial reported revenue of $52.4 million, up 6.6% from the year before. It had net income of $13.5 million (up 15.1%), a net profit margin of 25.7%. Diluted earnings per share came to $1.47. Over five years revenue grew at an average rate of 21.4% a year.
See the BVFL stock overview for the latest quote and news, or the BVFL chart for price history and technical indicators.
BVFL income statement FAQ
What is BV Financial's annual revenue?
BV Financial reported total revenue of $52.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 6.6% from $49.2 million the previous year.
Is BV Financial profitable?
Yes. BV Financial reported net income of $13.5 million in fiscal 2025, a net profit margin of 25.7%; its operating margin was 32.4%.
What is BV Financial's gross margin?
BV Financial's gross margin was 76.6% in fiscal 2025: for every $100 of revenue, BV Financial kept $77 after the direct cost of its products and services.
How fast is BV Financial growing?
Revenue grew 21.4% a year on average over the last five fiscal years, from $19.9 million to $52.4 million.
What are BV Financial's earnings per share?
BV Financial earned $1.47 per diluted share in fiscal 2025, compared with $1.10 a year earlier.
When does BV Financial's fiscal year end?
BV Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 27, 2026.