BV Financial, Inc.
BV Financial, Inc.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash | 7 | 6 | 6 | 5 | 9 | 6 | 7 | 9 | 9 | 9 | 7 | 24 | |||||
Interest Bearing Deposits In Banks | 68 | 50 | 57 | 51 | 62 | 65 | 87 | 81 | 70 | 64 | 108 | 86 | |||||
Cash And Cash Equivalents At Carrying Value | 75 | 56 | 64 | 56 | 71 | 71 | 94 | 91 | 79 | 74 | 114 | 110 | |||||
Equity Securities Fv Ni Current And Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Available For Sale Securities Debt Securities | 33 | 33 | 34 | 35 | 35 | 37 | 39 | 33 | 34 | 35 | 36 | 34 | |||||
Held To Maturity Securities | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 10 | |||||
Notes Receivable Gross | 736 | 755 | 746 | 752 | 750 | 738 | 693 | 702 | 709 | 705 | 707 | 703 | |||||
Financing Receivable Allowance For Credit Losses | -6 | -6 | -8 | -9 | -9 | -9 | -8 | -9 | -9 | -9 | -8 | -8 | |||||
Notes Receivable Net | 729 | 748 | 738 | 742 | 741 | 729 | 685 | 694 | 700 | 696 | 699 | 695 | |||||
Assets | |||||||||||||||||
Assets | 911 | 912 | 909 | 908 | 922 | 912 | 893 | 897 | 893 | 885 | 931 | 921 | |||||
Foreclosed Assets | - | - | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 1 | 1 | |||||
Other Real Estate | - | 0 | - | - | - | 0 | - | - | - | 0 | - | - | |||||
Property Plant And Equipment Net | 12 | 12 | 13 | 13 | 13 | 13 | 13 | 14 | 14 | 14 | 14 | 14 | |||||
Bank Owned Life Insurance | 21 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 19 | |||||
Interest Receivable | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Goodwill | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Intangible Assets Net Excluding Goodwill | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Deferred Income Tax Assets Net | 7 | 8 | 9 | 9 | 9 | 9 | 8 | 9 | 9 | 9 | 9 | 9 | |||||
Other Assets | 8 | 8 | 6 | 6 | 6 | 6 | 7 | 8 | 7 | 8 | 7 | 7 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 139 | 138 | 135 | 134 | 136 | 130 | 139 | 141 | 139 | 142 | 143 | 146 | |||||
Interest Bearing Deposit Liabilities | 534 | 538 | 529 | 524 | 522 | 522 | 495 | 499 | 500 | 492 | 503 | 524 | |||||
Deposits | 674 | 676 | 664 | 659 | 658 | 651 | 634 | 640 | 639 | 634 | 646 | 670 | |||||
Liabilities | |||||||||||||||||
Liabilities | 727 | 728 | 719 | 710 | 724 | 716 | 683 | 692 | 691 | 686 | 736 | 816 | |||||
Advances From Federal Home Loan Banks | 35 | 35 | - | - | 15 | 15 | - | - | - | 0 | 38 | 38 | |||||
Subordinated Debt | - | 0 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 37 | 37 | 37 | |||||
Other Liabilities | 19 | 17 | 20 | 16 | 16 | 15 | 14 | 17 | 17 | 15 | 15 | 72 | |||||
Preferred Stock Value | - | 0 | - | - | - | 0 | - | - | - | 0 | - | - | |||||
Common Stock Value | 0 | 0 | - | - | - | 0 | - | - | - | 0 | - | - | |||||
Additional Paid In Capital Common Stock | 68 | 69 | 80 | 92 | 95 | 95 | 111 | 111 | 111 | 110 | 110 | 16 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 184 | 184 | 190 | 198 | 198 | 195 | 210 | 205 | 202 | 199 | 195 | 104 | |||||
Retained Earnings Accumulated Deficit | 124 | 123 | 118 | 114 | 112 | 109 | 108 | 104 | 100 | 98 | 95 | 91 | |||||
Unearned E S O P Shares | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -7 | -8 | - | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -1 | -1 | -1 | -1 | -1 | -2 | -1 | -2 | -2 | -2 | -3 | -2 | |||||
Liabilities And Stockholders Equity | 911 | 912 | 909 | 908 | 922 | 912 | 893 | 897 | 893 | 885 | 931 | 921 | |||||
Held To Maturity Securities Fair Value | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 9 | 9 | 9 | 9 | 9 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | |||||
Common Stock Shares Issued | 9 | 9 | 10 | 10 | 11 | 11 | 12 | 11 | 11 | 11 | 11 | 7 | |||||
Shares Outstanding | 9 | 9 | 10 | 10 | 11 | 11 | 12 | 11 | 11 | 11 | 11 | 7 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.76% | 9.07% | - | - | - | - | - | - | - | - | - | - |
| 2025 | -5.95% | 0.38% | -3.80% | 1.09% | -4.96% | -1.33% | 7.37% | 7.13% | 12.74% | 8.72% | 4.55% | 7.01% |
| 2024 | 8.02% | 17.00% | 36.43% | 3.26% | 10.94% | 12.46% | 10.13% | 7.80% | -4.15% | -7.97% | 1.61% | -7.91% |
| 2023 | -3.06% | -17.25% | -13.76% | -1.52% | 2.34% | 1.12% | 26.22% | 33.49% | 30.05% | -4.48% | -1.12% | 4.39% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.51 | -0.49 | -0.59 | -0.59 | -0.29 | 0.16 | 0.94 | 2.56 | 2.67 | 3.03 | - | - | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.53 | 1.43 | 1.17 | 1.09 | 1.13 | 1.09 | 1.19 | 1.19 | 1.24 | 1.47 | - | - | |||||
| Free Cash Flow Per Share TTM | 2.16 | 1.97 | 2.01 | 1.62 | 1.61 | 1.45 | 1.28 | -3.54 | 1.37 | 1.61 | - | - | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | - | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -2,579.27% | -2,671.86% | -2,600.87% | -2,642.40% | -2,644.60% | -2,598.36% | -3,527.91% | -3,473.92% | -3,343.84% | -3,042.86% | - | - | |||||
| Operating Profit Margin TTM | 3,892.52% | 4,082.90% | 3,185.22% | 3,338.32% | 3,639.44% | 3,851.17% | 4,266.99% | 4,168.18% | 4,245.73% | 4,508.96% | - | - | |||||
| Net Profit Margin TTM | 2,668.16% | 2,921.00% | 2,313.48% | 2,428.57% | 2,640.38% | 2,751.88% | 3,101.94% | 3,030.14% | 3,119.91% | 3,318.89% | - | - | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 9.86% | 8.45% | 11.65% | 5.50% | 0.95% | 3.15% | - | - | - | - | - | - | |||||
| Net Income Growth (1Y) | 11.02% | 15.12% | -16.73% | -15.44% | -14.57% | -14.47% | - | - | - | - | - | - | |||||
| EPS Growth (1Y) | 34.67% | 31.06% | 2.18% | -6.68% | -1.78% | -25.49% | - | - | - | - | - | - | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 12.50 | 12.61 | 14.44 | 14.67 | 13.42 | 15.69 | 14.05 | 10.71 | 8.93 | 9.62 | - | - | |||||
| P/B TTM | 0.85 | 0.93 | 0.81 | 0.79 | 0.76 | 0.94 | 0.86 | 0.66 | 0.58 | 0.66 | 0.59 | 0.84 | |||||
| P/S TTM | 333.60 | 368.30 | 334.18 | 356.35 | 354.45 | 431.67 | 435.98 | 324.47 | 278.46 | 319.41 | - | - | |||||
| Market Cap | 156.12M | 170.15M | 153.72M | 157.15M | 151.00M | 183.89M | 179.62M | 135.63M | 117.51M | 131.92M | 114.67M | 87.36M | |||||
| Enterprise Value | 81.55M | 114.45M | 90.18M | 100.83M | 80.18M | 113.39M | 85.56M | 44.99M | 38.68M | 58.17M | 209.09K | -22.91M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 17.61M | 18.52M | 19.13M | 16.67M | 15.91M | 15.45M | 14.99M | -40.26M | 15.59M | 15.02M | - | - | |||||
| Net Debt | -74.58M | -55.71M | -63.55M | -56.32M | -70.82M | -70.50M | -94.07M | -90.64M | -78.84M | -73.74M | -114.46M | -110.27M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
BV Financial, Inc. (BVFL) — SEC Financial Statements & Analysis
BV Financial, Inc. (BVFL) is a savings institution, federally chartered company, incorporated in MD. BV Financial, Inc. trades on Nasdaq as: BVFL. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BV Financial, Inc. reported a 9.86% year-over-year revenue growth, a Gross Profit Margin of -2579.27% (TTM), a Price-to-Sales (P/S) ratio of 333.60x (TTM), a Price-to-Book (P/B) ratio of 0.85 (TTM), at a market cap of $156.12M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 9.86%
- Gross Profit Margin TTM
- -2579.27%
- P/S TTM
- 333.60x
- P/B TTM
- 0.85
- Market Cap
- $156.12M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is BV Financial, Inc. in?
BV Financial, Inc. (BVFL) operates in the Savings Institution, Federally Chartered industry.
What is BVFL's market cap?
BV Financial, Inc. (BVFL) has a market capitalization of $156.12M as of 2026-03-31.
What is BVFL's P/E ratio?
BV Financial, Inc. (BVFL)'s trailing twelve month P/E ratio is 12.50x as of 2026-03-31.
What exchange does BVFL trade on?
BV Financial, Inc. (BVFL) trades on the Nasdaq.
Where is BV Financial, Inc. incorporated?
BV Financial, Inc. is incorporated in MD.