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BV Financial, Inc.

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
$173.72M
PER (TTM)
12.2
15
配当利回り
--
52週高値
$19.88
52週安値
$13.53
52週レンジ
94%
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)

First Internet BancorpINBK
$318.00M
-4.6%
Meridian CorporationMRBK
$205.49M
+4.1%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.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$242.80M15.39.0%0.0%
MRBK$233.69M10.711.8%6.5%
PEBK$208.22M16.413.5%0.9%

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:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月13日|
    売上高: $13.22M+2.9%
    |
    EPS: $0.41+17.1%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月13日|
    売上高: $12.98M+6.4%
    |
    EPS: $0.29-9.4%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月13日|
    売上高: $12.41M+7.2%
    |
    EPS: $0.21-12.5%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月27日|
    売上高: $49.20M+4.7%
    |
    EPS: $1.10-25.2%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月13日|
    売上高: $12.85M+3.5%
    |
    EPS: $0.35+0.0%
    不明

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月13日|
    売上高: $12.20M+2.5%
    |
    EPS: $0.32-38.5%
    不明

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月13日|
    売上高: $11.58M+10.4%
    |
    EPS: $0.24-38.5%
    不明

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月22日|
    売上高: $46.99M+21.2%
    |
    EPS: $1.47+11.4%
    不明