BV Financial, Inc.
BVFL Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 23, 2026
$22.05
KIRA · Stoqly’s AI analyst, in plain words
- BV Financial, Inc. had $39.6M of revenue in fiscal 2025, up 5.1% on the year before.
- BV Financial, Inc. made $13.5M of net profit in fiscal 2025. From fiscal 2022 to 2025, diluted EPS grew 2.7% a year.
- BV Financial, Inc. returned $30.0M to shareholders in fiscal 2025, 160% of free cash flow. The diluted share count fell 11.7%.
- It earned 7.1% on shareholders’ money. Running costs took 58.5% of revenue (the efficiency ratio; lower is better).
Market cap
$182M
P/E
14.9x
Revenue
$39.6M
Net income
$13.5M
Return on equity
7.1%
Efficiency ratio
58.5%
BV Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+5.1%
Yes. Sales grew 5.1% last year.
Does it make a profit?
34.1%
Yes. It keeps 34.1% of every sale as profit.
How lean are its costs?
58.5%
Average. Running costs take 58.5% of revenue.
How much does it earn on its capital?
7.1%
Low. It earns 7.1% a year on shareholders’ money.
How is the share priced?
14.9x
One share costs 14.9 times its yearly profit per share.
What BV Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- BV Financial, Inc.
- CIK
- 0001302387
BV Financial, Inc. · BVFL
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $35.6M | $38.0M | $37.7M | $39.6M |
| Revenue growth | — | 6.7% | −0.8% | 5.1% |
| Net interest income | $29.9M | $34.2M | $35.2M | $36.9M |
| Net income | $10.5M | $13.7M | $11.7M | $13.5M |
| Net margin | 29.6% | 36.1% | 31.1% | 34.1% |
| Diluted EPS | $1.32 | $1.47 | $1.09 | $1.43 |
| Cash | ||||
| 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 |
| FCF margin | 25.9% | 39.6% | 41.0% | 47.4% |
| Share buybacks | — | — | $17.7M | $30.0M |
| Share count change | — | 17.2% | 14.7% | −11.7% |
| Debt and strength | ||||
| Cash and short-term investments | $68.7M | $73.7M | $70.5M | $55.7M |
| Debt incl. finance leases | $49.0M | $37.3M | $49.9M | $35.0M |
| Deposits | $685M | $634M | $651M | $676M |
| Shareholders' equity | $97.8M | $199M | $195M | $184M |
| Returns and quality | ||||
| Return on equity | 10.8% | 9.2% | 5.9% | 7.1% |
| Return on tangible equity | 12.8% | 7.5% | 6.5% | 8.0% |
| Efficiency ratio | 56.2% | 51.1% | 57.0% | 58.5% |
| Piotroski F-score | — | 6 | 3 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
BV Financial, Inc. · BVFL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.05 a share, the company is worth $182M: 14.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001302387). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.