BV Financial, Inc.

NASDAQ•BVFL

CEO: Mr. David M. Flair

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

7114 North Point Road, Baltimore, MD, 21219, United States

410-477-5000

www.bayvanguard.com

時価総額

$168.20M

PER (TTM)

11.8

13.9

配当利回り

52週高値

$19.88

52週安値

$13.53

52週レンジ

84%

順位48Top 64.4%

3.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$13.83M+10.11%

直近4四半期の推移

EPS

$0.57+216.67%

直近4四半期の推移

フリーCF

$0.00+0.00%

直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

INBK

$318.00M

-4.6%

MRBK

$205.49M

+4.1%

HNVR

$143.32M

-3.4%

粗利益率 (最新四半期)

UBFO

80.5%

+10.2pp

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
NKSH	$238.22M	15.0	9.0%	0.0%
MRBK	$229.48M	10.3	11.8%	6.5%
OVBC	$200.69M	12.9	9.6%	3.5%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

3.7%

緩やかな成長

4四半期純利益CAGR

31.8%

収益性の大幅な改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月6日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし