BV Financial, Inc.

BVFL

BV Financial, Inc.

BVFL

Insider Sentiment (TTM):

Last Purchase:2023-07-31Last Sale:2026-06-12Shares Purchased (TTM):0Shares Sold (TTM):55,784

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,893,077Shares Outstanding:8,157,000Institutional Ownership Pct.:35.47%

Earnings Market Reaction:

Filing Date:2026-05-11Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institution, Federally Chartered

FCAP FNWD PROV AX EBC TFSL

BV Financial, Inc. (BVFL) — SEC Financial Statements & Analysis

BV Financial, Inc. (BVFL) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

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
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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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

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
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	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)
Net Income Growth (5Y)
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
ROE TTM
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

2026-06-12Sale

Owner: Galli, Joseph S

Title: -

Shares: 3,080

Price/Share: $19.85

Value: $61,138.00

Shares Owned: -

Relationship: Director

Ownership: Indirect

2026-06-10Sale

Owner: Galli, Joseph S

Title: -

Shares: 5,000

Price/Share: $19.85

Value: $99,250.00

Shares Owned: 11,202

Relationship: Director

Ownership: Indirect

2026-06-09Sale

Owner: Galli, Joseph S

Title: -

Shares: 5,113

Price/Share: $19.76

Value: $101,032.88

Shares Owned: 16,202

Relationship: Director

Ownership: Indirect

2026-06-05Sale

Owner: Galli, Joseph S

Title: -

Shares: 3,060

Price/Share: $19.90

Value: $60,894.00

Shares Owned: 21,500

Relationship: Director

Ownership: Indirect

2026-06-02Sale

Owner: Galli, Joseph S

Title: -

Shares: 114

Price/Share: $19.80

Value: $2,257.20

Shares Owned: 24,560

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-12	Galli, Joseph S	Director	-	Indirect	Sale	3,080	19.85	$61,138.00	0	4
2026-06-10	Galli, Joseph S	Director	-	Indirect	Sale	5,000	19.85	$99,250.00	11,202	4
2026-06-09	Galli, Joseph S	Director	-	Indirect	Sale	5,113	19.76	$101,032.88	16,202	4
2026-06-05	Galli, Joseph S	Director	-	Indirect	Sale	3,060	19.90	$60,894.00	21,500	4
2026-06-02	Galli, Joseph S	Director	-	Indirect	Sale	114	19.80	$2,257.20	24,560	4
2026-05-28	Galli, Joseph S	Director	-	Indirect	Sale	3,404	19.94	$67,875.76	24,674	4
2026-05-27	Galli, Joseph S	Director	-	Indirect	Sale	2,027	19.92	$40,377.84	28,078	4
2026-05-26	Galli, Joseph S	Director	-	Indirect	Sale	1,067	19.90	$21,233.30	30,105	4
2026-05-11	Galli, Joseph S	Director	-	Indirect	Sale	169	20.00	$3,380.00	31,172	4
2026-05-08	Galli, Joseph S	Director	-	Indirect	Sale	5,000	20.02	$100,100.00	31,341	4
2026-05-07	Galli, Joseph S	Director	-	Indirect	Sale	5,000	20.04	$100,200.00	36,341	4/A
2026-04-28	Galli, Joseph S	Director	-	Indirect	Sale	6,000	20.17	$121,020.00	41,341	4
2026-02-26	Galli, Joseph S	Director	-	Indirect	Sale	1,500	19.62	$29,430.00	20,933	4
2025-07-23	Galli, Joseph S	Director	-	Indirect	Sale	15,250	16.17	$246,592.50	0	4
2025-06-02	Galli, Joseph S	Director	-	Indirect	Sale	500	15.75	$7,875.00	8,303	4
2025-05-29	Amereihn, Gary T.	Director,Other	-	Direct	Sale	1,684	15.65	$26,354.60	19,485	4
2025-05-22	Galli, Joseph S	Director	-	Indirect	Sale	3,000	15.82	$47,460.00	8,803	4
2025-05-20	Galli, Joseph S	Director	-	Indirect	Sale	2,076	15.82	$32,842.32	12,639	4
2025-05-13	Galli, Joseph S	Director	-	Indirect	Sale	554	15.87	$8,791.98	1,005	4
2025-05-12	Galli, Joseph S	Director	-	Indirect	Sale	3,454	15.92	$54,987.68	1,559	4
2025-05-05	Galli, Joseph S	Director	-	Indirect	Sale	500	15.93	$7,965.00	1,000	4
2023-07-31	Mchale, Brian K	Director	-	Indirect	Purchase	13,980	10.00	$139,800.00	10,000	4
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Institutional Ownership

No data available for chart

2026-03-31

35.47%

Inst. Shares: 2,893,077

Shares Outstanding: 8,157,000

2025-12-31

36.76%

Inst. Shares: 3,448,136

Shares Outstanding: 9,380,000

2025-09-30

43.03%

Inst. Shares: 4,036,178

Shares Outstanding: 9,380,000

2025-06-30

47.63%

Inst. Shares: 4,712,766

Shares Outstanding: 9,895,000

2025-03-31

45.75%

Inst. Shares: 4,526,511

Shares Outstanding: 9,895,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,893,077	8,157,000	35.47%
2025-12-31	3,448,136	9,380,000	36.76%
2025-09-30	4,036,178	9,380,000	43.03%
2025-06-30	4,712,766	9,895,000	47.63%
2025-03-31	4,526,511	9,895,000	45.75%
2024-12-31	4,479,701	10,679,000	41.95%
2024-09-30	4,244,179	10,679,000	39.74%
2024-06-30	3,921,166	11,387,723	34.43%
2024-03-31	3,899,128	9,303,000	41.91%
2023-12-31	3,978,447	9,303,000	42.77%
2023-09-30	2,966,738	9,303,000	31.89%
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BV Financial, Inc. (BVFL) — SEC Financial Statements & Analysis

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