BVFL Stock Price, BV Financial, Inc. Quote, Chart

Market Summary

USD10.72+0.25

Delayed

2.39%

BVFL Stock Price

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BVFL RSI Chart

BVFL Valuation

Market Cap

121.9M

Price/Earnings (Trailing)

9.26

Price/Sales (Trailing)

2.73

EV/EBITDA

0.83

Price/Free Cashflow

7.81

BVFL Price/Sales (Trailing)

BVFL Profitability

EBT Margin

40.05%

Return on Equity

6.53%

Return on Assets

1.48%

Free Cashflow Yield

12.8%

BVFL Fundamentals

BVFL Revenue

Revenue (TTM)

44.7M

Rev. Growth (Yr)

13.58%

Rev. Growth (Qtr)

-4.12%

BVFL Earnings

Earnings (TTM)

13.2M

Earnings Growth (Yr)

-17.37%

Earnings Growth (Qtr)

-14.46%

Breaking Down BVFL Revenue

Last 7 days

1.2%

Last 30 days

2.3%

Last 90 days

-14.3%

How does BVFL drawdown profile look like?

BVFL Financial Health

BVFL Investor Care

Shares Dilution (1Y)

53.22%

Diluted EPS (TTM)

1.34

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	44.7M	0	0	0
2023	35.6M	38.2M	41.3M	43.4M
2022	0	0	0	33.4M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of BV Financial, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Oct 23, 2023	crompton william b. iii	gifted	-	-	-10,000	-
Jul 31, 2023	mchale brian k	bought	39,800	10.00	3,980	-
Jul 31, 2023	mchale brian k	bought	100,000	10.00	10,000	-

Which funds bought or sold BVFL recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	new	-	346,789	346,789	-%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	new	-	423,000	423,000	-%
May 15, 2024	CITADEL ADVISORS LLC	sold off	-100	-235,984	-	-%
May 15, 2024	Royal Bank of Canada	added	6,020	16,000	16,000	-%
May 15, 2024	GENDELL JEFFREY L	unchanged	-	-524,566	1,407,470	0.05%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	new	-	105,686	105,686	-%
May 15, 2024	Tower Research Capital LLC (TRC)	sold off	-100	-13,868	-	-%
May 15, 2024	Newtyn Management, LLC	reduced	-12.86	-5,177,970	9,002,030	1.79%
May 15, 2024	BlackBarn Capital Partners LP	unchanged	-	-1,848,000	4,958,400	2.80%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-81.07	-94,018	15,040	-%

Are Funds Buying or Selling BVFL?

Are funds buying BVFL calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BVFL

No. of Funds

Unveiling BV Financial, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	9.2%	1,048,206	SC 13G
Feb 14, 2024	newtyn management, llc	8.8%	1e+06	SC 13G
Feb 08, 2024	bv financial, inc.	7.6%	868,516	SC 13G

Recent SEC filings of BV Financial, Inc.

View All Filings

Date Filed	Form Type	Document
May 13, 2024	10-Q	Quarterly Report
Apr 23, 2024	8-K	Current Report
Mar 22, 2024	10-K	Annual Report
Feb 14, 2024	SC 13G	Major Ownership Report
Feb 14, 2024	SC 13G	Major Ownership Report

Peers (Alternatives to BV Financial, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

BV Financial, Inc. News

Latest updates

BV Financial, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)									(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Revenue	-4.1%	11.00	11.00	12.00	11.00	10.00	9.00	9.00	8.00	7.00
EBITDA Margin	-4.7%	1.16*	1.22*	1.27*	1.30*	1.32*	1.33*	-	-	-
Interest Expenses	-10.7%	8.00	9.00	9.00	8.00	8.00	8.00	8.00	7.00	7.00
Income Taxes	1.4%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-10.5%	4.00	4.00	5.00	5.00	4.00	4.00	4.00	3.00	3.00
EBT Margin	-6.6%	0.40*	0.43*	0.45*	0.45*	0.43*	0.44*	-	-	-
Net Income	-14.5%	3.00	3.00	4.00	4.00	3.00	3.00	3.00	3.00	2.00
Net Income Margin	-6.8%	0.29*	0.32*	0.33*	0.32*	0.31*	0.32*	-	-	-
Free Cashflow	19.5%	4.00	3.00	-49.27	57.00	4.00	2.00	5.00	1.00	2.00

Balance Sheet

(In Millions)

Balance Sheet						(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Assets	0.8%	893	885	931	921	858	845
Cash Equivalents	6.9%	79.00	74.00	114	110	65.00	69.00
Net PPE	1.6%	14.00	14.00	14.00	14.00	15.00	15.00
Goodwill	0%	14.00	14.00	14.00	14.00	14.00	14.00
Liabilities	0.7%	691	686	736	816	757	747
Shareholder's Equity	1.3%	202	199	195	104	101	98.00
Retained Earnings	2.6%	100	98.00	95.00	91.00	87.00	85.00
Additional Paid-In Capital	0.1%	111	110	110	16.00	15.00	15.00
Shares Outstanding	0%	11.00	11.00	11.00	7.00	7.00	8.00

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)									(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Cashflow From Operations	30.7%	4,567	3,495	-49,286	57,378	3,607	1,945	4,720	1,209	1,840
Share Based Compensation	-73.3%	27.00	101	129	62.00	65.00	-225	370	72.00	41.00
Cashflow From Investing	-156.9%	-3,283	5,772	-6,430	-17,208	-17,307	-4,841	-20,018	6,180	-9,082
Cashflow From Financing	107.6%	3,811	-49,984	59,908	5,490	9,655	-6,874	-11,587	-300	-5,730

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BVFL Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest Income
Loans, including fees	$ 9,782	$ 8,773
Investment securities available for sale	306	266
Investment securities held to maturity	92	93
Other interest income	824	556
Total interest income	11,004	9,688
Interest Expense
Interest on deposits	1,986	665
Interest on FHLB borrowings		289
Interest on subordinated debentures	1,055	534
Total interest expense	3,041	1,488
Net interest income	7,963	8,200
Provision for credit losses	18	2
Net interest income after provision for credit losses	7,945	8,198
Noninterest Income
Income from investment in life insurance	87	318
Other income	217	222
Total noninterest income	578	807
Noninterest Expense
Compensation and related benefits	3,129	2,879
Occupancy	438	416
Data processing	377	349
Advertising	5	13
Professional fees	112	200
Equipment	102	105
Foreclosed real estate and holding costs	5	127
Amortization of intangible assets	45	46
FDIC insurance premiums	83	54
Other	627	511
Total noninterest expense	4,923	4,700
Net income before tax	3,600	4,305
Income tax expense	1,026	1,190
Net income	$ 2,574	$ 3,115
Basic earnings per share	$ 0.24	$ 0.39
Diluted earnings per share	$ 0.24	$ 0.39
Deposits
Noninterest Income
Revenue	$ 103	$ 94
Debit Cards
Noninterest Income
Revenue	$ 171	$ 173

BVFL Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash	$ 8,520	$ 9,260
Interest-bearing deposits in other banks	70,317	64,482
Cash and cash equivalents	78,837	73,742
Equity investment	246	256
Securities available for sale	33,752	34,781
Securities held to maturity (fair value of $9,013 and $9,660, ACL of $7 and $0)	10,153	10,209
Total loans	708,736	704,802
Allowance for credit losses	(8,506)	(8,554)
Net loans	700,230	696,248
Foreclosed real estate	170	170
Premises and equipment, net	14,473	14,250
Federal Home Loan Bank of Atlanta stock, at cost	654	626
Investment in life insurance	19,744	19,657
Accrued interest receivable	3,147	3,279
Goodwill	14,420	14,420
Intangible assets, net	967	1,012
Deferred tax assets, net	8,699	8,969
Other assets	7,053	7,635
Total assets	892,545	885,254
Liabilities
Noninterest-bearing deposits	139,107	142,030
Interest-bearing deposits	500,381	492,090
Total deposits	639,488	634,120
Subordinated debentures	34,767	37,251
Other liabilities	16,538	14,818
Total liabilities	690,793	686,189
Stockholders' equity
Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued or outstanding Common stock, $0.01 par value; 45,000,000 shares authorized at March 31, 2024 and December 31, 2023; 11,375,803 shares issued and outstanding as of March 31, 2024 and December 31, 2023	114	114
Paid-in capital	110,534	110,465
Retained earnings	100,346	97,772
Unearned common stock held by employee stock ownership plan	(7,286)	(7,328)
Accumulated other comprehensive loss	(1,956)	(1,958)
Total stockholders' equity	201,752	199,065
Total liabilities and stockholders' equity	$ 892,545	$ 885,254

About BV Financial, Inc.

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.

CEO	Mr. David M. Flair
WEBSITE	bayvanguard.com
INDUSTRY	Banks Diversified
EMPLOYEES	117

BV Financial, Inc. Frequently Asked Questions

What is the ticker symbol for BV Financial, Inc.? What does BVFL stand for in stocks?

BVFL is the stock ticker symbol of BV Financial, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of BV Financial, Inc. (BVFL)?

As of Fri May 17 2024, market cap of BV Financial, Inc. is 121.95 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BVFL stock?

You can check BVFL's fair value in chart for subscribers.

What is the fair value of BVFL stock?

You can check BVFL's fair value in chart for subscribers. The fair value of BV Financial, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of BV Financial, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BVFL so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is BV Financial, Inc. a good stock to buy?

The fair value guage provides a quick view whether BVFL is over valued or under valued. Whether BV Financial, Inc. is cheap or expensive depends on the assumptions which impact BV Financial, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BVFL.

What is BV Financial, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BVFL's PE ratio (Price to Earnings) is 9.26 and Price to Sales (PS) ratio is 2.73. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BVFL PE ratio will change depending on the future growth rate expectations of investors.