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BV Financial, Inc.

BV Financial, Inc.

NASDAQ•BVFL
CEO: Mr. David M. Flair
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2005-02-17
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking 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; 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. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
Contact Information
7114 North Point Road, Baltimore, MD, 21219, United States
410-477-5000
www.bayvanguard.com
Market Cap
$187.06M
P/E (TTM)
16.1
15.5
Dividend Yield
--
52W High
$19.74
52W Low
$13.53
52W Range
85%
Rank48Top 64.4%
3.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$13.22M+2.89%
4-Quarter Trend

EPS

$0.41+17.14%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Loan Growth & Asset Quality Net loans increased 1.1% to $746.1M; ACL decreased to $8.2M, improving coverage ratio to 233.5%.
Strong Capital Ratios Maintained CET1 ratio strengthened to 25.54% as of September 30, 2025; well capitalized status maintained per regulators.
Nine-Month NIM Expansion Nine-month net interest income grew to $27.1M; NIM slightly expanded to 4.29% driven by higher loan yields.
Deposit Base Expansion Continues Total deposits grew $12.3M to $663.8M, led by $7.3M increase in interest-bearing deposits during the period.

Risk Factors

NIM Compression Risk Rising Quarterly NIM compressed to 4.40% due to higher funding costs; interest expense on deposits increased 11.6% quarterly.
Commercial Credit Quality Concerns Non-performing loans increased to $3.5M; commercial NPLs rose $630K due to specific relationship placements.
State Tax Liability Pending Ongoing state tax study completion expected Q4 2025 may result in additional liabilities impacting net income.
Goodwill Valuation Sensitivity Annual goodwill and core deposit intangible review concluded no impairment, but results remain sensitive to market changes.

Outlook

Share Repurchase Authorization Announced plan to repurchase up to 10% of outstanding common stock, subject to regulatory non-objection.
ACL Forecasting Reliance Future ACL estimates heavily rely on management's reasonable and supportable forecasts of national GDP trends.
Regulatory Capital Compliance Bank remains well capitalized, exceeding all minimum requirements under Basel III framework provisions.
Compensation Expense Increase Higher compensation expenses, driven by 2024 equity plan costs, impacted quarterly net income results.

Peer Comparison

Revenue (TTM)

Hanover Bancorp, Inc.HNVR
$145.20M
-0.2%
MainStreet Bancshares, Inc.MNSB
$138.62M
+2.0%
CF Bankshares Inc.CFBK
$124.69M
+2.4%

Gross Margin (Latest Quarter)

Peoples Bancorp of North Carolina, Inc.PEBK
72.6%
+1.7pp
MainStreet Bancshares, Inc.MNSB
53.6%
+15.0pp
Richmond Mutual Bancorporation, Inc.RMBI
53.3%
+3.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PEBK$192.72M11.511.9%1.1%
UBFO$187.20M15.09.0%0.0%
BVFL$187.06M16.15.4%3.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
24.1%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 26, 2026
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EPS:-
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 13, 2025|
    Revenue: $13.22M+2.9%
    |
    EPS: $0.41+17.1%
    N/A

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 13, 2025|
    Revenue: $12.98M+6.4%
    |
    EPS: $0.29-9.4%
    N/A

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 13, 2025|
    Revenue: $12.41M+7.2%
    |
    EPS: $0.21-12.5%
    N/A

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 27, 2025|
    Revenue: $49.20M+5.1%
    |
    EPS: $1.10-25.2%
    N/A

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 13, 2024|
    Revenue: $12.85M+3.5%
    |
    EPS: $0.35+0.0%
    N/A

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 13, 2024|
    Revenue: $12.20M+2.5%
    |
    EPS: $0.32-38.5%
    N/A

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 13, 2024|
    Revenue: $11.58M+10.4%
    |
    EPS: $0.24-38.5%
    N/A

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 22, 2024|
    Revenue: $46.80M+20.7%
    |
    EPS: $1.47+11.4%
    N/A