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

$167.57M

P/E (TTM)

11.8

14.4

Dividend Yield

52W High

$19.88

52W Low

$13.53

52W Range

83%

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

Q4 2025 Data

Revenue

$13.83M+10.11%

4-Quarter Trend

EPS

$0.57+216.67%

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)

INBK

$318.00M

-4.6%

MRBK

$205.49M

+4.1%

HNVR

$143.32M

-3.4%

Gross Margin (Latest Quarter)

UBFO

80.5%

+10.2pp

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
NKSH	$235.54M	14.9	9.0%	0.0%
MRBK	$220.50M	9.9	11.8%	6.5%
PEBK	$198.56M	15.6	13.5%	0.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

3.7%

Moderate Growth

4Q Net Income CAGR

31.8%

Profitability Improved

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 6, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data