BV Financial (BVFL) Stock Price, News & Analysis

Company Overview

BV Financial, Inc. (NASDAQ: BVFL) is the bank holding company for BayVanguard Bank, a community banking institution headquartered in Baltimore, Maryland. Through BayVanguard Bank, the company provides financial products and services to individuals, families, businesses and nonprofit organizations in its Maryland service area.

The bank’s offerings include deposit accounts, checking and savings products, certificates of deposit, residential mortgage loans, commercial real estate financing, commercial and industrial loans, construction lending, home equity products and consumer loans. It also provides digital banking, online bill payment, debit card and other customary banking services.

BayVanguard Bank has a long history of serving Maryland communities, tracing its origins to the 19th century. BV Financial focuses on relationship-based community banking, with its operations centered in the Baltimore region and surrounding areas. The company’s leadership and banking operations are managed through BayVanguard Bank.

Key Stats

• Today's Range: $21.41 to $21.71
• 50-Day Range: $20.69 to $21.88
• 52-Week Range: $14.60 to $22.17
• Volume: 39,506 shs
• Average Volume: 20,984 shs
• Market Capitalization: $183.46 million
• P/E Ratio: 10.80
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Buy

BV Financial Stock Analysis - MarketRank™

BV Financial scored higher than 37% of companies evaluated by MarketBeat, and ranked 680th out of 846 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

BV Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

BV Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of BV Financial is 10.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 35.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of BV Financial is 10.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.70.

Price to Book Value per Share Ratio

BV Financial has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.60% 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 4.98.

Change versus previous month

Short interest in BV Financial has recently decreased by 11.17%, indicating that investor sentiment is improving 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.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.94

News Sentiment

BV Financial has a news sentiment score of 0.94. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for BV Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, BV Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

15.69% 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.

Company Calendar

• Last Earnings: 7/24/2026
• Today: 10/14/2026
• Next Earnings (Estimated): 10/16/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:BVFL
• Previous Symbol: NASDAQ:BVFL
• CIK: 1302387
• Web: www.bayvanguard.com
• Phone: 410-477-5000
• Fax: 410-477-1020
• Employees: 104
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.52
• Trailing P/E Ratio: 10.80
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $13.49 million
• Net Margins: 25.01%
• Pretax Margin: 36.34%
• Return on Equity: 9.31%
• Return on Assets: 1.91%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.15
• Quick Ratio: 1.15

Sales & Book Value

• Annual Sales: $52.43 million
• Price / Sales: 3.50
• Cash Flow: $1.94 per share
• Price / Cash Flow: 11.15
• Book Value: $20.64 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 8,470,000
• Free Float: 7,142,000
• Market Cap: $183.46 million
• Optionable: Not Optionable
• Beta: 0.30