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BV FINANCIAL INC

BVFLNASDAQ
๐Ÿ† #3159 by market capEarnings Oct 16US Equity
$21.30โ–ฒ $0.21 (+1.00%)
๐ŸŒ… Pre-market$21.30โ–ฒ 0.00%Regular close ยท extended-hours price shown
1hโ€”
24hโ–ฒ 1.0%
7dโ–ผ 1.8%
14dโ–ฒ 1.2%
30dโ–ผ 1.0%
1yโ–ฒ 37.6%
๐ŸฆMarket Cap
$181M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
โ€”
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
โ€”
โš–๏ธP/S Ratio
โ€”
Otter Score
57
Weak

Trading Snapshot

Day Range
$21.18 โ€“ $21.56
52-Week Range
$14.60 โ€“ $22.17
Volume
$3.35B
Avg Volume
$3.26B
Shares Outstanding
8.5M
Next Earnings
Sep 5, 2026

Fundamentals Snapshot

Annual Revenue
$52M
Last Q Revenue
$13M
P/E Ratio
14.6
P/S Ratio
โ€”
EPS (TTM)
$1.40
Dividend Yield
โ€”

Why Investors Own BVFL

  • โœ“High-growth profile โ€” revenue up +8.0% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 47% gross margin and 26% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$52Mโ–ฒ +10.0% YoY
Gross Margin (TTM)
46.5%โ–ฒ +1.4% YoY
Operating Income (TTM)
$11Mโ–ฒ +10.0% YoY
Free Cash Flow (TTM)
$14Mโ–ฒ +10.0% YoY

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 the United States. The company offers noninterest-bearing and interest-bearing checking accounts 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; personal credit cards; 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. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Weak
57/100

Analyst Price Target

โ“˜
Average Target
$26.68
โ–ฒ +25.2% Upside
High Target$31.41
Low Target$21.73
Based on 20 analysts

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