BV Financial (BVFL) Stock Price, News & Analysis

Company Overview

BV Financial, Inc. (NASDAQ:BVFL) is a regional bank holding company headquartered in Gainesville, Georgia. Through its wholly owned subsidiary, BV Bank, the company provides a comprehensive range of banking and financial services to consumer, small business and corporate clients across the southeastern United States.

The company’s core offerings include deposit products such as checking, savings and money market accounts, alongside commercial lending solutions covering working capital lines of credit, equipment financing and commercial real estate loans. For individual customers, BV Bank delivers home mortgage and home equity lending, personal installment loans and a suite of digital banking services accessible via online and mobile platforms.

Founded in 1958 as the Gainesville Bank & Trust Company, BV Financial has expanded its footprint through a mix of organic growth and strategic acquisitions. It now serves key markets in Georgia, Florida and Alabama, and has enhanced its product set with treasury management, merchant services and payment processing capabilities to support the evolving needs of its business clientele.

Under the leadership of President and Chief Executive Officer Robert L. Harris, a banking industry veteran with more than 30 years of experience, BV Financial remains committed to community banking principles. The executive team also includes Chief Financial Officer Mary K. Jennings and Chief Operating Officer Thomas O. Nguyen, who together guide the company’s financial strategy and operational excellence initiatives.

Key Stats

• Today's Range: $15.78 to $15.99
• 50-Day Range: $14.11 to $15.95
• 52-Week Range: $12.02 to $18.19
• Volume: 55,189 shs
• Average Volume: 108,192 shs
• Market Capitalization: $166.67 million
• P/E Ratio: 14.93
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

BV Financial Stock Analysis - MarketRank™

BV Financial scored higher than 24% of companies evaluated by MarketBeat, and ranked 802nd out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for BV Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of BV Financial is 14.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of BV Financial is 14.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

BV Financial has a P/B Ratio of 0.94. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.76% of the float of BV Financial has been sold short.

Short Interest Ratio / Days to Cover

BV Financial has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BV Financial has recently increased by 31.15%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

BV Financial does not currently pay a dividend.

Dividend Growth

BV Financial does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.76% of the float of BV Financial has been sold short.

Short Interest Ratio / Days to Cover

BV Financial has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BV Financial has recently increased by 31.15%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for BV Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, BV Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $235,242.00 in company stock.

Percentage Held by Insiders

11.79% of the stock of BV Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

42.65% of the stock of BV Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BVFL Stock Analysis - Frequently Asked Questions

How have BVFL shares performed this year?

BV Financial's stock was trading at $17.22 on January 1st, 2025. Since then, BVFL shares have decreased by 8.1% and is now trading at $15.83.

How were BV Financial's earnings last quarter?

BV Financial, Inc. (NASDAQ:BVFL) announced its quarterly earnings results on Thursday, April, 17th. The company reported $0.30 earnings per share (EPS) for the quarter. The company earned $9.17 million during the quarter. BV Financial had a trailing twelve-month return on equity of 6.38% and a net margin of 22.48%.

When did BV Financial IPO?

BV Financial (BVFL) raised $98 million in an initial public offering (IPO) on Tuesday, August 1st 2023. The company issued 9,798,980 shares at $10.00 per share.

How do I buy shares of BV Financial?

Shares of BVFL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of BV Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that BV Financial investors own include AutoZone (AZO), Intel (INTC), TJX Companies (TJX), Abacus Health Products (ABAHF), Avino Silver & Gold Mines (ASM), Bank of America (BAC) and Cal-Maine Foods (CALM).

Company Calendar

• Last Earnings: 4/17/2025
• Today: 7/07/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BVFL
• Previous Symbol: NASDAQ:BVFL
• CIK: 1302387
• Web: www.bayvanguard.com
• Phone: 410-477-5000
• Fax: 410-477-1020
• Employees: 112
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.06
• Trailing P/E Ratio: 14.93
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.72 million
• Net Margins: 22.48%
• Pretax Margin: 30.99%
• Return on Equity: 6.38%
• Return on Assets: 1.42%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 1.24
• Quick Ratio: 1.24

Sales & Book Value

• Annual Sales: $49.20 million
• Price / Sales: 3.39
• Cash Flow: $1.25 per share
• Price / Cash Flow: 12.70
• Book Value: $16.86 per share
• Price / Book: 0.94

Miscellaneous

• Outstanding Shares: 10,530,000
• Free Float: 9,288,000
• Market Cap: $166.69 million
• Optionable: Not Optionable
• Beta: 0.49