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Bv financial, inc.BVFL.US Overview

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BVFL Recent Performance

0.62%

Bv financial, inc.

1.79%

Avg of Sector

-0.31%

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BVFL Key Information

BVFL Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

BVFL Profile

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 also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.

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BVFL FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

BVFL Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
16.00
Forward PE
-
PS Ratio (TTM)
3.96
PB Ratio
0.94
Price-to-FCF
7.08
METRIC
VALUE
vs. INDUSTRY
Gross Margin
92.45%
Net Margin
31.06%
Revenue Growth (YoY)
14.60%
Profit Growth (YoY)
5.95%
3-Year Revenue Growth
9.59%
3-Year Profit Growth
0.13%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
16.00
Forward PE
-
PS Ratio (TTM)
3.96
PB Ratio
0.94
Price-to-FCF
7.08
Gross Margin
92.45%
Net Margin
31.06%
Revenue Growth (YoY)
14.60%
Profit Growth (YoY)
5.95%
3-Year Revenue Growth
9.59%
3-Year Profit Growth
0.13%

  • When is BVFL's latest earnings report released?

    The most recent financial report for Bv financial, inc. (BVFL) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating BVFL's short-term business performance and financial health. For the latest updates on BVFL's earnings releases, visit this page regularly.

  • What is the operating profit of BVFL?

    According to the latest financial report, Bv financial, inc. (BVFL) reported an Operating Profit of 5.17M with an Operating Margin of 37.37% this period, representing a growth of 81.49% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is BVFL's revenue growth?

    In the latest financial report, Bv financial, inc. (BVFL) announced revenue of 13.83M, with a Year-Over-Year growth rate of 52.71%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does BVFL have?

    At the end of the period, Bv financial, inc. (BVFL) held Total Cash and Cash Equivalents of 5.62M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does BVFL go with three margins increasing?

    In the latest report, Bv financial, inc. (BVFL) achieved the “three margins increasing” benchmark, with a gross margin of 76.27%%, operating margin of 37.37%%, and net margin of 34.75%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess BVFL's profit trajectory and future growth potential.

  • Is BVFL's EPS continuing to grow?

    According to the past four quarterly reports, Bv financial, inc. (BVFL)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.57. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of BVFL?

    Bv financial, inc. (BVFL)'s Free Cash Flow (FCF) for the period is 8.42M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 41.39% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of BVFL?

    The latest valuation data shows Bv financial, inc. (BVFL) has a Price-To-Earnings (PE) ratio of 7.96 and a Price/Earnings-To-Growth (PEG) ratio of 0.2. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.