BVFL - BV Financial, Inc. Stock Price, Fair Value and News

10.53USD-0.06 (-0.57%)Delayed as of 30 Apr 2024, 12:15 pm ET

Market Summary

USD10.53-0.06

Delayedas of 30 Apr 2024, 12:15 pm

-0.57%

BVFL Stock Price

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BVFL RSI Chart

BVFL Valuation

Market Cap

120.5M

Price/Earnings (Trailing)

8.79

Price/Sales (Trailing)

2.77

EV/EBITDA

0.88

Price/Free Cashflow

8.01

BVFL Price/Sales (Trailing)

BVFL Profitability

EBT Margin

42.89%

Return on Equity

6.89%

Return on Assets

1.55%

Free Cashflow Yield

12.48%

BVFL Fundamentals

BVFL Revenue

Revenue (TTM)

43.4M

Rev. Growth (Yr)

22.51%

Rev. Growth (Qtr)

-2.03%

BVFL Earnings

Earnings (TTM)

13.7M

Earnings Growth (Yr)

10.22%

Earnings Growth (Qtr)

-18.32%

Breaking Down BVFL Revenue

52 Week Range

10.53

(Low)(High)

Last 7 days

2.3%

Last 30 days

2.5%

Last 90 days

-25.6%

How does BVFL drawdown profile look like?

BVFL Financial Health

BVFL Investor Care

Shares Dilution (1Y)

53.22%

Diluted EPS (TTM)

1.52

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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
Apr 23, 2024	Venturi Wealth Management, LLC	sold off	-100	-1,418	-	-%
Apr 16, 2024	COURIER CAPITAL LLC	unchanged	-	-96,250	258,250	0.02%
Mar 11, 2024	VANGUARD GROUP INC	added	26.29	2,316,640	5,299,730	-%
Feb 15, 2024	State of Wyoming	new	-	16,747	16,747	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	109,058	109,058	-%
Feb 14, 2024	BlackBarn Capital Partners LP	new	-	6,806,400	6,806,400	2.46%
Feb 14, 2024	Fourthstone LLC	added	2,461	3,532,000	3,632,800	0.74%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	new	-	244,832	244,832	0.13%
Feb 14, 2024	Newtyn Management, LLC	added	13.72	5,316,240	14,180,000	2.78%
Feb 14, 2024	GENDELL JEFFREY L	unchanged	-	558,629	1,932,040	0.10%

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
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
Feb 08, 2024	SC 13G	Major Ownership Report
Jan 23, 2024	8-K	Current 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	556.7B	171.1B	-3.50%	39.81%	11.24	3.25	60.72%	31.52%
BAC	295.6B	130.3B	-0.98%	28.24%	11.15	2.27	79.51%	-3.68%
WFC	213.9B	85.7B	3.17%	50.44%	11.18	2.5	41.49%	39.96%
C	119.0B	133.3B	-1.55%	32.27%	12.9	0.89	79.09%	-
CFG	16.0B	10.2B	-3.61%	14.73%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-6.83%	30.82%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-6.49%	18.56%	9.93	1.63	34.68%	-45.96%
ZION	6.1B	3.9B	-4.79%	48.31%	9	1.55	45.91%	-25.03%
ABCB	3.3B	1.3B	0.25%	44.78%	12.44	2.61	43.24%	-22.35%
ASB	3.3B	2.0B	0.37%	21.09%	17.83	1.67	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.5M	164.9M	-8.20%	39.26%	33.82	2.4	42.66%	-70.76%
AROW	377.4M	162.6M	-8.87%	5.60%	12.55	2.32	25.39%	-38.37%
ACNB	274.3M	96.6M	-14.23%	6.33%	8.66	2.84	11.02%	-11.37%
ASRV	42.0M	60.9M	-5.77%	-17.79%	-12.56	0.69	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Revenue	-2.0%	11.00	12.00	11.00	10.00	9.00	9.00	8.00	7.00
EBITDA Margin	-2.6%	1.22*	1.25*	1.27*	1.26*	-	-	-	-
Interest Expenses	0.4%	9.00	9.00	8.00	8.00	8.00	8.00	7.00	7.00
Income Taxes	-27.7%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-20.9%	4.00	5.00	5.00	4.00	4.00	4.00	3.00	3.00
EBT Margin	-4.6%	0.43*	0.45*	0.45*	0.43*	0.44*	-	-	-
Net Income	-18.3%	3.00	4.00	4.00	3.00	3.00	3.00	3.00	2.00
Net Income Margin	-2.9%	0.32*	0.33*	0.32*	0.31*	0.32*	-	-	-
Free Cashflow	107.0%	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Assets	-5.0%	885	931	921	858	845
Cash Equivalents	-35.6%	74.00	114	110	65.00	69.00
Net PPE	-1.1%	14.00	14.00	14.00	15.00	15.00
Goodwill	0%	14.00	14.00	14.00	14.00	14.00
Liabilities	-6.8%	686	736	816	757	747
Shareholder's Equity	2.0%	199	195	104	101	98.00
Retained Earnings	3.2%	98.00	95.00	91.00	87.00	85.00
Additional Paid-In Capital	0.1%	110	110	16.00	15.00	15.00
Shares Outstanding	0%	11.00	11.00	7.00	7.00	8.00

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)								(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1
Cashflow From Operations	107.1%	3,495	-49,286	57,378	3,607	1,945	4,720	1,209	1,840
Share Based Compensation	-21.7%	101	129	62.00	65.00	-225	370	72.00	41.00
Cashflow From Investing	189.8%	5,772	-6,430	-17,208	-17,307	-4,841	-20,018	6,180	-9,082
Cashflow From Financing	-183.4%	-49,984	59,908	5,490	9,655	-6,874	-11,587	-300	-5,730

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BVFL Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Loans, including fees	$ 37,742	$ 31,259
Investment securities available for sale	1,156	610
Investment securities held to maturity	367	245
Other interest income	4,154	1,236
Total interest income	43,419	33,350
Interest Expense
Interest on deposits	5,614	1,357
Interest on FHLB borrowings	1,411	11
Interest on subordinated debentures	2,165	2,062
Total interest expense	9,190	3,430
Net interest income	34,229	29,920
(Recovery of) provision for credit losses	(45)	1,038
Net interest income after provision for credit losses	34,274	28,882
Noninterest Income
Income from investment in life insurance	641	1,492
Gain on sale of loans		1
Gain on foreclosed real estate	709
Gain on sale of fixed assets	188	246
Other income	1,082	2,711
Total noninterest income	3,757	5,665
Noninterest Expense
Compensation and related benefits	12,257	10,130
Occupancy	1,604	1,661
Data processing	1,373	1,419
Advertising	43	23
Professional fees	886	607
Equipment	425	436
Foreclosed real estate and holding costs	186	965
Amortization of intangible assets	183	183
FDIC insurance premiums	336	219
Other	2,116	4,351
Total noninterest expense	19,409	19,994
Net income before tax	18,622	14,553
Income tax expense	4,915	4,029
Net income	$ 13,707	$ 10,524
Basic earnings per share	$ 1.47	$ 1.32
Diluted earnings per share	$ 1.47	$ 1.32
Deposits
Noninterest Income
Revenue	$ 413	$ 460
Debit Cards
Noninterest Income
Revenue	$ 724	$ 755

BVFL Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash	$ 9,260	$ 12,704
Interest-bearing deposits in other banks	64,482	55,948
Cash and cash equivalents	73,742	68,652
Equity Investment	256	221
Securities available for sale	34,781	33,034
Securities held to maturity (fair value of $9,206 and $9,660, ACL of $6 and $0)	10,209	10,461
Loans held for maturity	704,802	662,944
Allowance for credit losses	(8,554)	(3,813)
Net loans	696,248	659,131
Foreclosed real estate	170	1,987
Premises and equipment, net	14,250	15,176
Federal Home Loan Bank of Atlanta stock, at cost	626	977
Investment in life insurance	19,657	19,983
Accrued interest receivable	3,279	2,952
Goodwill	14,420	14,420
Intangible assets, net	1,012	1,195
Deferred tax assets, net	8,969	9,113
Other assets	7,635	7,661
Total assets	885,254	844,963
Liabilities
Noninterest-bearing deposits	142,030	167,202
Interest-bearing deposits	492,090	517,416
Total deposits	634,120	684,618
FHLB borrowings	0	12,000
Subordinated Debentures	37,251	37,039
Other liabilities	14,818	13,555
Total liabilities	686,189	747,212
Stockholders' equity
Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $0.01 par value; 45,000,000 shares authorized at December 31, 2023 and 14,000,000 authorized at December 31, 2022; 11,375,803 shares issued and outstanding as of December 31, 2023; 7,958,904 shares issued outstanding as of December 31, 2022	114	74
Paid-in capital	110,465	15,406
Unearned common stock held by employee stock ownership plan	(7,328)
Retained earnings	97,772	84,612
Accumulated other comprehensive loss	(1,958)	(2,341)
Total stockholders' equity	199,065	97,751
Total liabilities and stockholders' equity	$ 885,254	$ 844,963

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 Mon Apr 29 2024, market cap of BV Financial, Inc. is 120.47 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 Mon Apr 29 2024, BVFL's PE ratio (Price to Earnings) is 8.79 and Price to Sales (PS) ratio is 2.77. 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.