BV Financial, Inc. (BVFL)

NASDAQ: BVFL · USD

$21.7

-0.36 (-1.6%)· Recorded snapshot

Market cap	170.5M
Revenue (ttm)	41.9M
Net income (ttm)	12.8M
EPS (ttm)	$1.56
Shares out	7.9M
P/E (trailing)	13.9x
Volume	11,956
Beta	0.03

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 41.9M
Net income (ttm): 12.8M
EPS (ttm): $1.56
P/E (trailing): 13.9x
Market cap: 170.5M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	شراء قوي
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	شراء قوي
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E13.9

P25 n/aP50 n/aP75 n/a

ROE6.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVFL indicators

Market & fundamental data

Available fields

233

Groups with data

Currency

USD

Showing 233 of 233 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001302387
Company name	BV Financial, Inc.
Country	United States
Country code	US
CUSIP number	05603E208
Earnings date	2026-10-23
Earnings time	bmo
Employees	104
Employees change	-9
Employees growth	-7.96%
Enterprise value	$125.5M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1873
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US05603E2081
Last 10-K release date	2026-03-27
Last earnings date	2026-10-23
Last refreshed	2026-11-04
Last stock split date	2023-08-01
Last stock split type	Forward
Market cap	$170.5M
Market cap category	Micro-Cap
Next earnings date	2027-01-22
Options	No
Price	$21.71
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-11-03
Symbol	BVFL
U.S. state	Maryland
Website	https://www.bayvanguard.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	76.58x
Average P/E ratio (3Y)	12.91x
Average P/E ratio (5Y)	16.35x
Earnings yield	7.18%
EV/Earnings	9.81x
EV/FCF	7x
EV/Sales	3x
FCF / EV yield	14.29%
FCF yield	10.52%
Graham number	28.73853
Graham upside	32.37%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$12.87
Lynch upside	-40.7%
P/B ratio	0.92x
P/E ratio	13.93x
P/FCF ratio	9.51x
P/OCF ratio	9.51x
P/S ratio	4.07x
Price / tangible book value	1.01x
Sector forward P/E	13.72x
Sector P/E	15.79x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	30.2%
FCF margin	41.38%
Operating margin	45.03%
Pretax margin	43.8%
Profit margin	30.57%
Profit per employee	$123,019
Profitable quarters	18
Profitable years	5
Revenue per employee	$402,404
ROA	1.43%
ROA (5Y)	1.36%
ROE	6.83%
ROE (5Y)	9.18%
Tax / revenue	13.23%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	45.32%
EPS growth (Q)	2.44%
EPS growth (QoQ)	0%
EPS growth 10Y	27.21%
EPS growth 3Y	4.22%
EPS growth 5Y	14.53%
EPS growth quarters	1
EPS growth years	1
FCF growth	-4.21%
FCF growth 3Y	-35.61%
Net income growth	20.22%
Net income growth (Q)	-7.88%
Net income growth (QoQ)	-0.75%
Net income growth 3Y	-1.6%
Net income growth 5Y	8.26%
Net income growth quarters	1
Net income growth years	1
OCF growth	-6.6%
OCF growth 10Y	30.42%
OCF growth 3Y	-35.76%
Revenue growth	8.23%
Revenue growth (Q)	-13.6%
Revenue growth (QoQ)	-6.61%
Revenue growth 10Y	21.16%
Revenue growth 3Y	3.42%
Revenue growth 5Y	9.96%
Revenue growth quarters	6
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$2,000
EPS	$1.56
FCF per share	$2.28
Financing cash flow	$-49.5M
Free cash flow	$17.9M
Gross profit	$41.9M
Income taxes	$5.5M
Investing cash flow	$44.1M
Net borrowing	$-35.4M
Net cash flow	$12.6M
Net income	$12.8M
Operating income	$18.8M
Revenue	$41.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$23.55
Debt / equity	0.03
Debt / FCF	0.28
Goodwill	$14.4M
Net cash (debt)	$45M
Net cash / market cap	26.39%
Net cash growth	62.24%
Net debt / equity	-0.24
Net debt / FCF	-2.51
Piotroski F-Score	4
Property, plant and equipment	$12M
Shareholders' equity	$184.2M
Tangible book value	$169.3M
Tangible book value per share	$21.64
Total assets	$878M
Total cash	$50M
Total debt	$5M
Total liabilities	$693.8M
WACC	4.31%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-620.9M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	17.27%
Dividend growth (10Y)	-2.84%
Dividend growth (3Y)	44.22%
Dividend growth (5Y)	-5.59%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.03
Shareholder yield	17.27%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	234%
10Y return CAGR	12.96%
10Y total return	238.09%
150-day SMA	$20.80
15Y price change	848.04%
15Y return CAGR	16.27%
15Y total return	859.64%
1D price change	-1.63%
1M price change	2.26%
1M total return	2.26%
1W price change	-2.03%
1W total return	-2.03%
1Y price change	33.19%
1Y return CAGR	33.22%
1Y total return	33.19%
20-day SMA	$21.86
200-day SMA	$20.38
20Y price change	142.57%
20Y return CAGR	5.39%
20Y total return	185.6%
3M price change	5.7%
3M total return	5.7%
3Y price change	116.02%
3Y return CAGR	29.26%
3Y total return	116.02%
50-day SMA	$21.47
50-day SMA vs 200-day SMA	50over200
52-week high	$22.70
52-week high date	2026-10-23
52-week low	$16.25
52-week low date	2025-11-04
5Y price change	6.58%
5Y return CAGR	1.28%
5Y total return	6.58%
6M price change	10.99%
6M total return	10.99%
All-time high	$35.00
All-time high date	2023-02-15
All-time low	$2.25
All-time low date	2011-10-19
Average true range (ATR)	$0.54
Average volume	17.4K
Beta (1Y)	-0.01
Beta (2Y)	0.54
Beta (5Y)	0.03
Change from 52-week high	-4.36%
Change from 52-week low	33.6%
Change from all-time high	-37.97%
Change from all-time low	864.89%
Change from open	-2.43%
Day's gap	0.82%
Dollar volume	$259,565
High price	$22.25
Low price	$21.53
Monthly RSI	65.66
Open price	$22.25
Position in 52-week range	25%
Premarket change	0.05%
Premarket close	$21.71
Premarket price	$21.72
Previous close	$22.07
Price vs 150-day SMA	4.38%
Price vs 20-day SMA	-0.67%
Price vs 200-day SMA	6.53%
Price vs 50-day SMA	1.1%
Relative volume	0.69
RSI	49.25
Sharpe ratio	1.1
Sharpe ratio (3Y)	1.05
Sharpe ratio (5Y)	0.33
Sortino ratio	1.87
Sortino ratio (3Y)	1.88
Sortino ratio (5Y)	0.56
Volume	12K
Weekly RSI	58.58
YTD price change	19.68%
YTD total return	19.68%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	6.6M
Float percentage	83.7%
Shares change (QoQ)	-0.87%
Shares change (YoY)	-17.27%
Shares held by insiders	16.3%
Shares held by institutions	52.49%
Shares outstanding	7.9M
Short % of float	1.38%
Short % of shares	1.15%
Short ratio	4.2 days

Deeper analysis on BVFL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVFL report

Is a complete BVFL research report available?

No complete published report is available for BV Financial, Inc. (BVFL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BV Financial, Inc. (BVFL)

Price

Financial snapshot

Fair-value bridge

Latest news · BVFL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVFL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVFL

Frequently asked questions