BV Financial, Inc.
BVFL Nasdaq Savings Institution, Federally Chartered Financials FY2022–FY2025
Revenue
Total sales reported in the income statement.
$39.6M
5.1%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
58.5%
1.5 pts
Net income
Profit after all expenses, interest and tax.
$13.5M
15.1%
Return on equity
Net income as a share of average shareholders' equity.
7.1%
1.2 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $1.48 EPS (TTM)
What BV Financial, Inc. does
No business description yet.
- Legal name
- BV Financial, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Accession · CIK
- 0001193125-26-128285
0001302387
Revenue and margins
BV Financial, Inc. had $39.6M of revenue in fiscal 2025, up 5.1% on the year before.
FY22
Revenue $35.6M
FY23
Revenue $38.0M
FY24
Revenue $37.7M
FY25
Revenue $39.6M
Q3 '23
Revenue $9.8M
Q4 '23
Revenue $9.6M
Q1 '24
Revenue $8.5M
Q2 '24
Revenue $9.5M
Q3 '24
Revenue $10.0M
Q4 '24
Revenue $9.7M
Q1 '25
Revenue $9.2M
Q2 '25
Revenue $9.9M
Q3 '25
Revenue $10.0M
Q4 '25
Revenue $10.5M
Q1 '26
Revenue $9.6M
Q2 '26
Revenue $10.0M
FY22
Net interest share 84.1%
Efficiency ratio 56.2%
FY23
Net interest share 90.1%
Efficiency ratio 51.1%
FY24
Net interest share 93.3%
Efficiency ratio 57.0%
FY25
Net interest share 93.1%
Efficiency ratio 58.5%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 91.0%
Efficiency ratio 51.3%
Q4 '23
Net interest share 92.7%
Efficiency ratio 53.7%
Q1 '24
Net interest share 93.2%
Efficiency ratio 57.6%
Q2 '24
Net interest share 93.7%
Efficiency ratio 51.5%
Q3 '24
Net interest share 93.0%
Efficiency ratio 54.7%
Q4 '24
Net interest share 93.3%
Efficiency ratio 64.3%
Q1 '25
Net interest share 94.2%
Efficiency ratio 67.3%
Q2 '25
Net interest share 92.8%
Efficiency ratio 58.3%
Q3 '25
Net interest share 93.2%
Efficiency ratio 58.6%
Q4 '25
Net interest share 92.5%
Efficiency ratio 51.0%
Q1 '26
Net interest share 94.5%
Efficiency ratio 78.8%
Q2 '26
Net interest share 95.3%
Efficiency ratio 54.9%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2022 to 2025, diluted EPS grew 2.7% a year. Loss periods are shown in red.
FY22
Net income $10.5M
FY23
Net income $13.7M
FY24
Net income $11.7M
FY25
Net income $13.5M
Q3 '23
Net income $3.7M
Q4 '23
Net income $3.0M
Q1 '24
Net income $2.6M
Q2 '24
Net income $3.4M
Q3 '24
Net income $3.8M
Q4 '24
Net income $2.0M
Q1 '25
Net income $2.1M
Q2 '25
Net income $2.9M
Q3 '25
Net income $3.7M
Q4 '25
Net income $4.8M
Q1 '26
Net income $1.1M
Q2 '26
Net income $3.5M
FY22
Diluted EPS $1.32
FY23
Diluted EPS $1.47
FY24
Diluted EPS $1.09
FY25
Diluted EPS $1.43
Q3 '23
Diluted EPS $0.35
Q4 '23
Diluted EPS $0.24
Q1 '24
Diluted EPS $0.24
Q2 '24
Diluted EPS $0.32
Q3 '24
Diluted EPS $0.35
Q4 '24
Diluted EPS $0.18
Q1 '25
Diluted EPS $0.21
Q2 '25
Diluted EPS $0.29
Q3 '25
Diluted EPS $0.41
Q4 '25
Diluted EPS $0.52
Q1 '26
Diluted EPS $0.13
Q2 '26
Diluted EPS $0.42
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY22
ROE 10.8%
ROTE 12.8%
Efficiency ratio 56.2%
FY23
ROE 9.2%
ROTE 7.5%
Efficiency ratio 51.1%
FY24
ROE 5.9%
ROTE 6.5%
Efficiency ratio 57.0%
FY25
ROE 7.1%
ROTE 8.0%
Efficiency ratio 58.5%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
BV Financial, Inc. returned $30.0M to shareholders in fiscal 2025, 160% of free cash flow. The diluted share count fell 11.7%.
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks $17.7M
FY25
Dividends —
Buybacks $30.0M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks —
Q4 '23
Dividends —
Buybacks —
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks $1.0M
Q2 '25
Dividends —
Buybacks $4.3M
Q3 '25
Dividends —
Buybacks $12.8M
Q4 '25
Dividends —
Buybacks $12.0M
Q1 '26
Dividends —
Buybacks $2.0M
Q2 '26
Dividends —
Buybacks $4.6M
Dividends
Buybacks
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY22
Loans —
Deposits $685M
FY23
Loans —
Deposits $634M
FY24
Loans —
Deposits $651M
FY25
Loans —
Deposits $676M
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Deposits | $685M | $634M | $651M | $676M |
| Total assets | $845M | $885M | $912M | $912M |
| Shareholders' equity | $97.8M | $199M | $195M | $184M |
| Goodwill | $14.4M | $14.4M | $14.4M | $14.4M |
| Intangible assets | $1.2M | $1.0M | $0.8M | $0.7M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
4 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $35.6M | $38.0M | $37.7M | $39.6M |
| Net interest income | $29.9M | $34.2M | $35.2M | $36.9M |
| Noninterest income | $5.7M | $3.8M | $2.5M | $2.7M |
| Noninterest expense | $20.0M | $19.4M | $21.5M | $23.2M |
| Provision for credit losses | $1.0M | $0.0M | −$0.3M | −$2.2M |
| Interest expense | $3.4M | $9.2M | — | — |
| Pretax income | $14.6M | $18.6M | $16.4M | $18.9M |
| Income tax | $4.0M | $4.9M | $4.7M | $5.4M |
| Net income | $10.5M | $13.7M | $11.7M | $13.5M |
| Diluted EPS | $1.32 | $1.47 | $1.09 | $1.43 |
| Diluted shares | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||
| Cash from operations | $9.7M | $15.2M | $16.1M | $19.0M |
| Capital expenditure | $0.5M | $0.2M | $0.6M | $0.2M |
| Free cash flow | $9.2M | $15.0M | $15.5M | $18.8M |
| Depreciation and amortization | $0.9M | $0.9M | $0.8M | $0.8M |
| Stock-based compensation | $0.3M | $0.4M | $1.9M | $4.2M |
| Share buybacks | — | — | $17.7M | $30.0M |
| Dividends and buybacks | — | — | $17.7M | $30.0M |
| Balance sheet | ||||
| Cash and short-term investments | $68.7M | $73.7M | $70.5M | $55.7M |
| Total debt | $49.0M | $37.3M | $49.9M | $35.0M |
| Deposits | $685M | $634M | $651M | $676M |
| Property and equipment, net | $15.2M | $14.3M | $13.2M | $12.5M |
| Goodwill | $14.4M | $14.4M | $14.4M | $14.4M |
| Intangible assets | $1.2M | $1.0M | $0.8M | $0.7M |
| Total assets | $845M | $885M | $912M | $912M |
| Total liabilities | $747M | $686M | $716M | $728M |
| Preferred stock | — | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $97.8M | $199M | $195M | $184M |
| Margins | ||||
| Net margin | 29.6% | 36.1% | 31.1% | 34.1% |
| FCF margin | 25.9% | 39.6% | 41.0% | 47.4% |
| Net interest share of revenue | 84.1% | 90.1% | 93.3% | 93.1% |
| Efficiency ratio | 56.2% | 51.1% | 57.0% | 58.5% |
| Returns | ||||
| Return on equity | 10.8% | 9.2% | 5.9% | 7.1% |
| Return on assets | 1.2% | 1.6% | 1.3% | 1.5% |
| Return on tangible equity | 12.8% | 7.5% | 6.5% | 8.0% |
| Growth | ||||
| Revenue growth | — | 6.7% | −0.8% | 5.1% |
| Net income growth | — | 30.2% | −14.5% | 15.1% |
| EPS growth | — | 11.4% | −25.9% | 31.2% |
| FCF growth | — | 63.3% | 2.7% | 21.6% |
| Share count change | — | 17.2% | 14.7% | −11.7% |
| Financial health | ||||
| Debt / equity | 0.5x | 0.2x | 0.3x | 0.2x |
| Capital allocation | ||||
| Capex / revenue | 1.4% | 0.4% | 1.6% | 0.6% |
| Stock comp / revenue | 0.7% | 0.9% | 5.1% | 10.5% |
| Payouts / FCF | — | — | 114.6% | 159.8% |
| Quality scores | ||||
| Piotroski F-score | — | 6.0 | 3.0 | 7.0 |
| Accruals ratio | 0.1% | −0.2% | −0.5% | −0.6% |
Source: SEC EDGAR XBRL filings (CIK 0001302387). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.