Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BVFL
BuyPremium GrowerBV Financial, Inc. · Financial Services · United States · $181M · Avg Vol: $272K/d
74
StockRankGet insider-trade alerts
Q
58
V
45
M
65
P/E (TTM)
14.6x
ROE
6.9%
D/E
0.2x
Dividend %
—
COMPANY DESCRIPTION
BV Financial is the holding company for Bay-Vanguard Bank, offering community-based retail and commercial banking services in Maryland. The bank maintains a steady niche position as a localized financial institution focusing on residential mortgage lending and deposit services.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 35.3M | 37.8M | 37.7M | 39.7M | 3.9% | 43.4M |
| EPS | 1.32 | 1.47 | 1.10 | 1.44 | 2.9% | 1.48 |
| Shares | 7.4M | 11.4M | 10.6M | 8.9M | +19.3% | 8.5M |
| Debt | 49.0M | 37.3M | 49.9M | 35.0M | -10.6% | — |
| Equity | 97.8M | 199.1M | 195.5M | 183.8M | 23.4% | — |
| Op CF | 9.7M | 15.2M | 16.1M | 19.0M | 25.1% | 17.9M |
| Inv CF | -27.8M | -35.2M | -32.5M | -13.3M | — | — |
| Fin CF | -24.5M | 25.1M | 13.2M | -20.5M | — | — |
Loading 1Y...
PRICE (1Y)+3.7%
SMA 50SMA 200
Close
$21.43
RSI (14)
46.8
52W High
$22.17
From 52W High
1.0%
SCORE BREAKDOWN
Quality
58
ROIC (ROA)
1.5%*48.9
ROE
6.9%34.1
GP/Assets
4.8%N/A
Op. Margin
47.6%67.5
FCF/Assets
2.1%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.19xN/A
Current Ratio
bankN/A
Value
45
P/E (TTM)
14.6x40.9
EV/EBITDA
bankN/A
P/FCF
9.6xN/A
P/B
0.9x66.8
P/S
4.2x42.1
Div Yield
—N/A
Momentum
65
52W High %
97%84.1
RS 6M
-0%53.6
SMA 50/200
1.07x64.5
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
21%53.3
FUNDAMENTALS
Market Cap
$181M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BVFL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BVFL | BV Financial, Inc.(you) | $181M | 74 | Buy |
| ECBK | ECB Bancorp, Inc. | $181M | 69 | Buy |
| PEBK | Peoples Bancorp of North Carolina, Inc. | $233M | 74 | Buy |
| LSBK | Lake Shore Bancorp, Inc. | $135M | 73 | Buy |
| HNVR | Hanover Bancorp, Inc. | $189M | 67 | Buy |
| NKSH | National Bankshares, Inc. | $261M | 74 | Buy |
| FCAP | First Capital, Inc. | $209M | 78 | Buy |
| MNSB | MainStreet Bancshares, Inc. | $179M | 65 | Buy |
| FRAF | Franklin Financial Services Corporation | $279M | 74 | Buy |
| ATLO | Ames National Corporation | $280M | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%