BV Financial (BVFL) Financials

$21.37 +0.89 (+4.35%)

Closing price 04:00 PM Eastern

Extended Trading

$21.32 -0.05 (-0.26%)

As of 04:10 PM Eastern

Annual Income Statements for BV Financial

This table shows BV Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024	2025
Period end date	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	11	14	12	13
Consolidated Net Income / (Loss)	11	14	12	13
Net Income / (Loss) Continuing Operations	11	14	12	13
Total Pre-Tax Income	15	19	16	19
Total Revenue	36	38	38	40
Net Interest Income / (Expense)	30	34	35	37
Total Interest Income	33	43	47	50
Loans and Leases Interest Income	31	38	41	46
Investment Securities Interest Income	0.86	1.52	1.63	1.51
Other Interest Income	1.24	4.15	4.05	2.60
Total Interest Expense	3.43	9.19	11	13
Deposits Interest Expense	1.36	5.61	9.04	11
Long-Term Debt Interest Expense	2.07	3.58	2.45	2.10
Total Non-Interest Income	5.67	3.76	2.51	2.72
Other Service Charges	2.71	1.08	0.98	1.18
Net Realized & Unrealized Capital Gains on Investments	0.25	0.90	0.00	-0.01
Other Non-Interest Income	2.71	1.78	1.53	1.55
Provision for Credit Losses	1.04	-0.05	-0.20	-2.43
Total Non-Interest Expense	20	19	21	23
Salaries and Employee Benefits	10	12	14	16
Net Occupancy & Equipment Expense	3.52	3.40	3.49	3.52
Marketing Expense	0.02	0.04	0.02	0.04
Property & Liability Insurance Claims	0.22	0.34	0.33	0.33
Other Operating Expenses	5.92	3.19	3.47	2.88
Amortization Expense	0.18	0.18	0.18	0.18
Income Tax Expense	4.03	4.92	4.68	5.37
Basic Earnings per Share	$1.32	$1.47	$1.10	$1.44
Weighted Average Basic Shares Outstanding	-	11.38M	10.59M	8.75M
Diluted Earnings per Share	$1.32	$1.47	$1.09	$1.43
Weighted Average Diluted Shares Outstanding	-	11.38M	10.59M	8.75M
Weighted Average Basic & Diluted Shares Outstanding	-	11.38M	10.59M	8.75M

This table shows BV Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Consolidated Net Income / (Loss)	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Net Income / (Loss) Continuing Operations	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Total Pre-Tax Income	5.08	4.02	3.60	4.72	5.24	2.85	2.70	3.94	5.17	7.06	2.05
Total Revenue	9.76	9.61	8.54	9.51	10.00	9.66	9.17	9.87	10	11	9.64
Net Interest Income / (Expense)	8.88	8.92	7.96	8.91	9.30	9.01	8.64	9.16	9.35	9.75	9.11
Total Interest Income	12	11	11	12	12	12	12	12	13	13	12
Loans and Leases Interest Income	9.76	9.88	9.78	10	11	11	11	11	12	12	11
Investment Securities Interest Income	0.39	0.40	0.40	0.40	0.44	0.40	0.40	0.37	0.38	0.37	0.33
Other Interest Income	1.56	1.20	0.82	1.04	1.19	0.99	0.74	0.56	0.63	0.66	0.61
Total Interest Expense	2.84	2.56	3.04	2.71	2.85	2.90	3.24	3.11	3.18	3.28	2.97
Deposits Interest Expense	1.76	1.92	1.99	2.24	2.38	2.43	2.60	2.62	2.71	2.77	2.65
Long-Term Debt Interest Expense	1.08	0.64	1.06	0.47	0.47	0.47	0.64	0.49	0.47	0.51	0.32
Total Non-Interest Income	0.88	0.70	0.58	0.60	0.70	0.64	0.53	0.71	0.68	0.79	0.53
Other Service Charges	0.32	0.29	0.22	0.21	0.33	0.23	0.18	0.31	0.27	0.42	0.17
Net Realized & Unrealized Capital Gains on Investments	0.19	0.03	0.00	0.00	0.00	-	0.00	0.00	0.02	-0.02	0.00
Other Non-Interest Income	0.38	0.38	0.36	0.39	0.37	0.41	0.35	0.40	0.39	0.40	0.36
Provision for Credit Losses	-0.33	0.44	0.02	-0.11	-0.71	0.60	0.30	0.18	-1.01	-1.89	-0.01
Total Non-Interest Expense	5.01	5.16	4.92	4.90	5.47	6.21	6.18	5.76	5.88	5.38	7.60
Salaries and Employee Benefits	3.15	3.37	3.13	3.09	3.49	4.29	4.52	4.02	4.06	3.63	5.78
Net Occupancy & Equipment Expense	0.85	0.87	0.92	0.89	0.86	0.83	0.93	0.87	0.88	0.84	0.94
Marketing Expense	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.02	0.02
Property & Liability Insurance Claims	0.12	0.10	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.09
Other Operating Expenses	0.84	0.76	0.74	0.79	0.99	0.95	0.59	0.74	0.80	0.75	0.73
Amortization Expense	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05
Income Tax Expense	1.40	1.01	1.03	1.32	1.44	0.90	0.60	1.08	1.44	2.25	0.96
Basic Earnings per Share	$0.35	$0.24	$0.24	$0.32	$0.35	$0.19	$0.21	$0.29	$0.41	$0.53	$0.13
Weighted Average Basic Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M
Diluted Earnings per Share	$0.35	$0.24	$0.24	$0.32	$0.35	$0.18	$0.21	$0.29	$0.41	$0.52	$0.13
Weighted Average Diluted Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M
Weighted Average Basic & Diluted Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M

This table details how cash moves in and out of BV Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024	2025
Period end date	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	-43	5.09	-3.24	-15
Net Cash From Operating Activities	9.71	15	16	19
Net Cash From Continuing Operating Activities	9.71	15	16	19
Net Income / (Loss) Continuing Operations	11	14	12	13
Consolidated Net Income / (Loss)	11	14	12	13
Provision For Loan Losses	1.04	-0.05	-0.20	-2.43
Depreciation Expense	0.86	0.87	0.82	0.63
Amortization Expense	-1.69	-0.25	0.69	0.42
Non-Cash Adjustments to Reconcile Net Income	-1.17	-0.23	2.20	5.14
Changes in Operating Assets and Liabilities, net	0.16	1.14	0.83	1.77
Net Cash From Investing Activities	-28	-35	-32	-13
Net Cash From Continuing Investing Activities	-28	-35	-32	-13
Purchase of Property, Leasehold Improvements and Equipment	-0.50	-0.16	-0.61	-0.24
Purchase of Investment Securities	-13	-8.41	-15	-18
Sale of Property, Leasehold Improvements and Equipment	0.94	0.64	0.00	0.00
Sale and/or Maturity of Investments	17	11	16	22
Other Investing Activities, net	-40	-38	-33	-17
Net Cash From Financing Activities	-24	25	13	-21
Net Cash From Continuing Financing Activities	-24	25	13	-21
Net Change in Deposits	-36	-50	17	25
Issuance of Debt	24	26	15	35
Issuance of Common Equity	0.00	95	0.00	0.00
Repayment of Debt	-12	-38	-3.09	-50
Repurchase of Common Equity	-	0.00	-18	-30
Other Financing Activities, Net	-0.83	-7.51	1.53	-0.11
Cash Interest Paid	3.43	9.19	11	13
Cash Income Taxes Paid	4.03	4.92	5.89	3.01

This table details how cash moves in and out of BV Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	4.19	-41	5.10	12	3.43	-24	0.32	-14	7.22	-7.84	19
Net Cash From Operating Activities	-49	3.50	4.57	1.50	6.06	3.93	4.81	2.71	8.44	3.44	3.69
Net Cash From Continuing Operating Activities	-49	3.50	4.57	1.50	6.06	3.92	4.81	2.71	8.44	3.44	3.69
Net Income / (Loss) Continuing Operations	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Consolidated Net Income / (Loss)	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Provision For Loan Losses	-0.33	0.44	0.02	-0.11	-0.71	0.60	0.30	0.18	-1.01	-1.89	-0.01
Depreciation Expense	0.22	0.22	0.21	0.11	0.30	0.20	0.20	0.20	0.21	0.03	0.19
Amortization Expense	-0.10	-0.03	0.05	-0.09	0.82	-0.08	-0.19	-0.02	0.52	0.10	-0.03
Non-Cash Adjustments to Reconcile Net Income	0.18	0.15	0.78	-0.05	0.24	1.23	1.01	0.81	0.99	2.34	0.83
Changes in Operating Assets and Liabilities, net	-53	-0.29	0.94	-1.76	1.62	0.02	1.39	-1.32	4.01	-1.94	1.62
Net Cash From Investing Activities	-6.43	5.77	-3.28	8.64	5.97	-44	-10	-0.52	6.25	-9.02	20
Net Cash From Continuing Investing Activities	-6.43	5.77	-3.28	8.64	5.97	-44	-10	-0.52	6.25	-9.02	20
Purchase of Property, Leasehold Improvements and Equipment	0.01	-0.04	-0.44	-0.06	-0.10	-0.02	-0.22	-0.14	-0.01	0.13	-0.01
Purchase of Investment Securities	-3.27	-0.00	-5.36	-	-7.17	-2.71	-5.32	-2.20	-6.80	-3.67	13
Sale and/or Maturity of Investments	1.26	3.78	6.38	1.10	5.14	3.70	7.80	3.05	7.61	3.44	6.34
Other Investing Activities, net	-4.89	1.84	-3.87	7.59	8.11	-45	-12	-1.23	5.45	-8.93	-0.00
Net Cash From Financing Activities	60	-50	3.81	1.67	-8.61	16	5.51	-17	-7.46	-2.26	-4.54
Net Cash From Continuing Financing Activities	60	-50	3.81	1.67	-8.61	16	5.51	-17	-7.46	-2.26	-4.54
Net Change in Deposits	-23	-12	5.41	0.83	-5.97	17	6.50	0.91	4.90	12	-2.58
Repurchase of Common Equity	-	-	0.00	-	-	-	-0.98	-4.28	-13	-12	-1.96
Cash Interest Paid	3.33	1.76	2.48	2.85	2.40	3.61	2.33	3.72	2.27	4.40	2.49
Cash Income Taxes Paid	1.35	1.06	0.27	1.70	2.22	1.70	-0.17	1.54	1.06	0.59	0.15

This table presents BV Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024	2025
Period end date	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	845	885	912	912
Cash and Due from Banks	13	9.26	5.84	5.62
Interest Bearing Deposits at Other Banks	56	64	65	50
Trading Account Securities	43	45	43	39
Loans and Leases, Net of Allowance	-3.81	-8.55	-8.52	-6.44
Allowance for Loan and Lease Losses	3.81	8.55	8.52	6.44
Premises and Equipment, Net	15	14	13	12
Goodwill	14	14	14	14
Intangible Assets	1.20	1.01	0.83	0.65
Other Assets	706	745	778	796
Total Liabilities & Shareholders' Equity	845	885	912	912
Total Liabilities	747	686	716	728
Non-Interest Bearing Deposits	167	142	130	138
Interest Bearing Deposits	517	492	522	538
Long-Term Debt	49	37	50	35
Other Long-Term Liabilities	14	15	15	17
Total Equity & Noncontrolling Interests	98	199	195	184
Total Preferred & Common Equity	98	199	195	184
Preferred Stock	0.00	0.00	0.00	0.00
Total Common Equity	98	199	195	184
Common Stock	15	111	95	69
Retained Earnings	85	98	109	123
Accumulated Other Comprehensive Income / (Loss)	-2.34	-1.96	-1.62	-1.13
Other Equity Adjustments	0.00	-7.33	-7.16	-6.98

This table presents BV Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	931	893	897	893	922	908	909	911
Cash and Due from Banks	6.76	8.52	9.33	7.21	8.57	4.99	6.06	6.91
Interest Bearing Deposits at Other Banks	108	70	81	87	62	51	57	68
Trading Account Securities	46	44	43	45	41	41	40	39
Loans and Leases, Net of Allowance	-8.15	-8.51	-8.55	-8.00	-8.89	-9.16	-8.20	-6.40
Allowance for Loan and Lease Losses	8.15	8.51	8.55	8.00	8.89	9.16	8.20	6.40
Premises and Equipment, Net	14	14	14	13	13	13	13	12
Goodwill	14	14	14	14	14	14	14	14
Intangible Assets	1.06	0.97	0.92	0.88	0.79	0.74	0.70	0.61
Other Assets	749	748	743	733	790	792	786	777
Total Liabilities & Shareholders' Equity	931	893	897	893	922	908	909	911
Total Liabilities	736	691	692	683	724	710	719	727
Non-Interest Bearing Deposits	143	139	141	139	136	134	135	139
Interest Bearing Deposits	503	500	499	495	522	524	529	534
Long-Term Debt	75	35	35	35	50	35	35	35
Other Long-Term Liabilities	15	17	17	14	16	16	20	19
Total Equity & Noncontrolling Interests	195	202	205	210	198	198	190	184
Total Preferred & Common Equity	195	202	205	210	198	198	190	184
Preferred Stock	-	-	-	-	-	-	-	0.00
Total Common Equity	195	202	205	210	198	198	190	184
Common Stock	110	111	111	111	95	92	80	68
Retained Earnings	95	100	104	108	112	114	118	124
Accumulated Other Comprehensive Income / (Loss)	-2.52	-1.96	-1.84	-1.42	-1.43	-1.35	-1.20	-1.17
Other Equity Adjustments	-7.64	-7.29	-7.24	-7.20	-7.12	-7.07	-7.02	-6.93

This table displays calculated financial ratios and metrics derived from BV Financial's official financial filings.

Metric	2022	2023	2024	2025
Period end date	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	11,375,803.00	-	8,903,927.00
DEI Adjusted Shares Outstanding	0.00	11,375,803.00	-	8,903,927.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	1.20	-	1.52
Growth Metrics	-	-	-	-
Revenue Growth	0.00%	6.75%	-0.75%	5.09%
EBITDA Growth	0.00%	40.23%	-6.84%	11.11%
EBIT Growth	0.00%	27.96%	-11.90%	14.98%
NOPAT Growth	0.00%	30.25%	-14.47%	15.12%
Net Income Growth	0.00%	30.25%	-14.47%	15.12%
EPS Growth	0.00%	11.36%	-25.85%	31.19%
Operating Cash Flow Growth	0.00%	56.41%	5.72%	18.43%
Free Cash Flow Firm Growth	0.00%	0.00%	103.50%	1,408.20%
Invested Capital Growth	0.00%	60.99%	3.84%	-10.83%
Revenue Q/Q Growth	0.00%	-2.96%	0.11%	2.29%
EBITDA Q/Q Growth	0.00%	1.70%	-6.51%	26.92%
EBIT Q/Q Growth	0.00%	0.24%	-6.68%	28.74%
NOPAT Q/Q Growth	0.00%	2.08%	-8.27%	26.81%
Net Income Q/Q Growth	0.00%	2.08%	-8.27%	26.81%
EPS Q/Q Growth	0.00%	-3.29%	-5.22%	31.19%
Operating Cash Flow Q/Q Growth	0.00%	11.36%	2.80%	-2.53%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	-93.00%	33.53%
Invested Capital Q/Q Growth	0.00%	-12.40%	0.33%	-2.84%
Profitability Metrics	-	-	-	-
EBITDA Margin	38.55%	50.65%	47.54%	50.26%
EBIT Margin	40.90%	49.02%	43.52%	47.61%
Profit (Net Income) Margin	29.57%	36.08%	31.09%	34.06%
Tax Burden Percent	72.32%	73.61%	71.46%	71.54%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	27.69%	26.39%	28.54%	28.46%
Return on Invested Capital (ROIC)	7.17%	7.16%	4.87%	5.81%
ROIC Less NNEP Spread (ROIC-NNEP)	7.17%	7.16%	4.87%	5.81%
Return on Net Nonoperating Assets (RNNOA)	3.60%	2.08%	1.07%	1.30%
Return on Equity (ROE)	10.77%	9.24%	5.94%	7.12%
Cash Return on Invested Capital (CROIC)	0.00%	-39.58%	1.10%	17.27%
Operating Return on Assets (OROA)	1.72%	2.15%	1.83%	2.07%
Return on Assets (ROA)	1.25%	1.58%	1.30%	1.48%
Return on Common Equity (ROCE)	10.77%	9.24%	5.94%	7.12%
Return on Equity Simple (ROE_SIMPLE)	10.77%	6.89%	6.00%	7.34%
Net Operating Profit after Tax (NOPAT)	11	14	12	13
NOPAT Margin	29.57%	36.08%	31.09%	34.06%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	38.41%	41.34%	46.47%	49.96%
Operating Expenses to Revenue	56.19%	51.10%	57.02%	58.52%
Earnings before Interest and Taxes (EBIT)	15	19	16	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	14	19	18	20
Valuation Ratios	-	-	-	-
Price to Book Value (P/BV)	1.00	0.81	1.02	0.88
Price to Tangible Book Value (P/TBV)	1.19	0.88	1.11	0.96
Price to Revenue (P/Rev)	2.75	4.25	5.30	4.08
Price to Earnings (P/E)	9.31	11.77	17.04	11.97
Dividend Yield	0.00%	0.00%	0.00%	0.00%
Earnings Yield	10.74%	8.50%	5.87%	8.36%
Enterprise Value to Invested Capital (EV/IC)	0.53	0.53	0.73	0.64
Enterprise Value to Revenue (EV/Rev)	2.20	3.29	4.75	3.55
Enterprise Value to EBITDA (EV/EBITDA)	5.71	6.49	9.99	7.07
Enterprise Value to EBIT (EV/EBIT)	5.39	6.70	10.92	7.47
Enterprise Value to NOPAT (EV/NOPAT)	7.45	9.11	15.28	10.43
Enterprise Value to Operating Cash Flow (EV/OCF)	8.07	8.21	11.15	7.40
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	67.41	3.51
Leverage & Solvency	-	-	-	-
Debt to Equity	0.50	0.19	0.26	0.19
Long-Term Debt to Equity	0.50	0.19	0.26	0.19
Financial Leverage	0.50	0.29	0.22	0.22
Leverage Ratio	8.64	5.83	4.55	4.81
Compound Leverage Factor	8.64	5.83	4.55	4.81
Debt to Total Capital	33.41%	15.76%	20.33%	16.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	33.41%	15.76%	20.33%	16.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	66.59%	84.24%	79.67%	84.00%
Debt to EBITDA	3.57	1.94	2.78	1.76
Net Debt to EBITDA	-1.43	-1.90	-1.15	-1.04
Long-Term Debt to EBITDA	3.57	1.94	2.78	1.76
Debt to NOPAT	4.66	2.72	4.26	2.59
Net Debt to NOPAT	-1.86	-2.66	-1.76	-1.53
Long-Term Debt to NOPAT	4.66	2.72	4.26	2.59
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-
Cash Flow Metrics	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-76	2.66	40
Operating Cash Flow to CapEx	0.00%	0.00%	2,628.97%	8,027.00%
Free Cash Flow to Firm to Interest Expense	0.00	-8.25	0.23	3.13
Operating Cash Flow to Interest Expense	2.83	1.65	1.40	1.49
Operating Cash Flow Less CapEx to Interest Expense	2.96	1.71	1.34	1.47
Efficiency Ratios	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04
Fixed Asset Turnover	2.34	2.58	2.74	3.08
Capital & Investment Metrics	-	-	-	-
Invested Capital	147	236	245	219
Invested Capital Turnover	0.24	0.20	0.16	0.17
Increase / (Decrease) in Invested Capital	0.00	90	9.07	-27
Enterprise Value (EV)	78	125	179	141
Market Capitalization	98	161	200	162
Book Value per Share	$9.98	$17.50	$16.86	$20.64
Tangible Book Value per Share	$8.38	$16.14	$15.54	$18.95
Total Capital	147	236	245	219
Total Debt	49	37	50	35
Total Long-Term Debt	49	37	50	35
Net Debt	-20	-36	-21	-21
Capital Expenditures (CapEx)	-0.44	-0.49	0.61	0.24
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	49	37	50	35
Total Depreciation and Amortization (D&A)	-0.83	0.62	1.52	1.05
Earnings Adjustments	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$1.47	$1.10	$1.44
Adjusted Weighted Average Basic Shares Outstanding	0.00	11.38M	10.59M	8.75M
Adjusted Diluted Earnings per Share	$0.00	$1.47	$1.09	$1.43
Adjusted Weighted Average Diluted Shares Outstanding	0.00	11.38M	10.59M	8.75M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	11.38M	10.59M	8.75M
Normalized Net Operating Profit after Tax (NOPAT)	11	14	12	13
Normalized NOPAT Margin	29.57%	36.08%	31.09%	34.06%
Pre Tax Income Margin	40.90%	49.02%	43.52%	47.61%
Debt Service Ratios	-	-	-	-
EBIT to Interest Expense	4.24	2.03	1.43	1.47
NOPAT to Interest Expense	3.07	1.49	1.02	1.05
EBIT Less CapEx to Interest Expense	4.37	2.08	1.37	1.45
NOPAT Less CapEx to Interest Expense	3.20	1.54	0.97	1.04
Payout Ratios	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	151.03%	222.48%

This table displays calculated financial ratios and metrics derived from BV Financial's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	11,374,706.00	11,375,803.00	11,375,803.00	11,375,803.00	11,387,723.00	-	10,594,044.00	10,528,744.00	9,939,490.00	8,903,927.00	8,750,737.00
DEI Adjusted Shares Outstanding	11,374,706.00	11,375,803.00	11,375,803.00	11,375,803.00	11,387,723.00	-	10,594,044.00	10,528,744.00	9,939,490.00	8,903,927.00	8,750,737.00
DEI Earnings Per Adjusted Shares Outstanding	0.32	0.26	0.23	0.30	0.33	-	0.20	0.27	0.38	0.54	0.12
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.68%	-10.76%	-5.17%	-1.06%	2.47%	0.44%	7.40%	3.84%	0.35%	9.20%	5.08%
EBITDA Growth	46.42%	8.25%	-10.82%	-13.80%	22.26%	-29.62%	-29.86%	-13.10%	-7.22%	142.52%	-18.07%
EBIT Growth	39.37%	1.11%	-16.38%	-9.48%	3.09%	-29.20%	-25.06%	-16.57%	-1.34%	147.91%	-23.94%
NOPAT Growth	41.04%	10.22%	-17.37%	-12.82%	3.09%	-35.13%	-18.45%	-15.83%	-1.79%	146.16%	-48.02%
Net Income Growth	41.04%	10.22%	-17.37%	-12.82%	3.09%	-35.13%	-18.45%	-15.83%	-1.79%	146.16%	-48.02%
EPS Growth	6.06%	-17.24%	-38.46%	-34.69%	0.00%	-25.00%	-12.50%	-9.38%	17.14%	188.89%	-38.10%
Operating Cash Flow Growth	-1,144.19%	79.69%	26.61%	-97.38%	112.30%	12.53%	5.26%	80.75%	39.18%	-12.56%	-23.30%
Free Cash Flow Firm Growth	0.00%	0.00%	65.90%	67.04%	110.90%	91.78%	84.03%	117.64%	-20.35%	541.14%	424.72%
Invested Capital Growth	0.00%	60.99%	34.96%	34.14%	-9.34%	3.84%	4.85%	-3.05%	-7.92%	-10.83%	-11.84%
Revenue Q/Q Growth	1.57%	-1.48%	-11.16%	11.29%	5.20%	-3.43%	-5.00%	7.60%	1.66%	5.08%	-8.58%
EBITDA Q/Q Growth	-5.45%	-19.05%	-8.36%	22.91%	34.10%	-53.40%	-8.67%	52.29%	43.17%	21.80%	-69.15%
EBIT Q/Q Growth	-2.49%	-20.89%	-10.47%	31.08%	11.04%	-45.67%	-5.23%	45.92%	31.32%	36.52%	-70.93%
NOPAT Q/Q Growth	-5.51%	-18.32%	-14.46%	32.05%	11.74%	-48.60%	7.53%	36.30%	30.37%	28.82%	-77.29%
Net Income Q/Q Growth	-5.51%	-18.32%	-14.46%	32.05%	11.74%	-48.60%	7.53%	36.30%	30.37%	28.82%	-77.29%
EPS Q/Q Growth	-28.57%	-31.43%	0.00%	33.33%	9.38%	-48.57%	16.67%	38.10%	41.38%	26.83%	-75.00%
Operating Cash Flow Q/Q Growth	-185.90%	107.09%	30.67%	-67.13%	303.86%	-35.12%	22.22%	-38.83%	210.98%	-59.24%	7.21%
Free Cash Flow Firm Q/Q Growth	-51.86%	67.49%	32.15%	1.61%	150.21%	-124.53%	-31.81%	208.64%	126.75%	35.86%	-2.98%
Invested Capital Q/Q Growth	50.61%	-12.40%	0.09%	1.59%	1.79%	0.33%	1.06%	-6.07%	-3.32%	-2.84%	-0.08%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	53.30%	43.79%	45.17%	49.89%	63.60%	30.69%	29.50%	41.75%	58.80%	68.15%	23.00%
EBIT Margin	52.09%	41.82%	42.15%	49.65%	52.41%	29.48%	29.41%	39.89%	51.52%	66.94%	21.29%
Profit (Net Income) Margin	37.75%	31.30%	30.14%	35.76%	37.98%	20.22%	22.88%	28.99%	37.17%	45.57%	11.32%
Tax Burden Percent	72.48%	74.83%	71.50%	72.03%	72.48%	68.56%	77.80%	72.67%	72.15%	68.08%	53.17%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	27.52%	25.17%	28.50%	27.97%	27.52%	31.44%	22.20%	27.33%	27.85%	31.92%	46.83%
Return on Invested Capital (ROIC)	10.96%	6.21%	5.49%	6.38%	5.56%	3.16%	3.62%	4.74%	6.13%	7.78%	1.94%
ROIC Less NNEP Spread (ROIC-NNEP)	10.96%	6.21%	5.49%	6.38%	5.56%	3.16%	3.62%	4.74%	6.13%	7.78%	1.94%
Return on Net Nonoperating Assets (RNNOA)	4.20%	1.80%	1.99%	2.25%	1.51%	0.70%	0.77%	0.82%	1.07%	1.74%	0.43%
Return on Equity (ROE)	15.15%	8.01%	7.48%	8.63%	7.07%	3.86%	4.39%	5.56%	7.20%	9.52%	2.38%
Cash Return on Invested Capital (CROIC)	0.00%	-39.58%	-23.37%	-23.12%	14.77%	1.10%	-0.09%	7.62%	12.78%	17.27%	17.93%
Operating Return on Assets (OROA)	2.19%	1.84%	1.81%	2.04%	2.16%	1.24%	1.24%	1.71%	2.21%	2.91%	0.93%
Return on Assets (ROA)	1.59%	1.37%	1.29%	1.47%	1.57%	0.85%	0.97%	1.24%	1.60%	1.98%	0.50%
Return on Common Equity (ROCE)	15.15%	8.01%	7.48%	8.63%	7.07%	3.86%	4.39%	5.56%	7.20%	9.52%	2.38%
Return on Equity Simple (ROE_SIMPLE)	6.88%	0.00%	6.53%	6.16%	6.09%	0.00%	5.68%	5.41%	5.59%	0.00%	6.80%
Net Operating Profit after Tax (NOPAT)	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
NOPAT Margin	37.75%	31.30%	30.14%	35.76%	37.98%	20.22%	22.88%	28.99%	37.17%	45.57%	11.32%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.00%	44.23%	47.43%	41.90%	43.59%	53.10%	59.54%	49.53%	49.31%	42.65%	69.91%
Operating Expenses to Revenue	51.32%	53.64%	57.64%	51.52%	54.74%	64.26%	67.35%	58.31%	58.58%	50.99%	78.83%
Earnings before Interest and Taxes (EBIT)	5.08	4.02	3.60	4.72	5.24	2.85	2.70	3.94	5.17	7.06	2.05
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	5.20	4.21	3.86	4.74	6.36	2.96	2.71	4.12	5.90	7.19	2.22
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.59	0.81	0.58	0.66	0.83	1.02	0.82	0.81	0.84	0.88	0.91
Price to Tangible Book Value (P/TBV)	0.64	0.88	0.63	0.71	0.90	1.11	0.88	0.88	0.92	0.96	0.99
Price to Revenue (P/Rev)	2.93	4.25	3.13	3.62	4.64	5.30	4.22	4.14	4.14	4.08	4.18
Price to Earnings (P/E)	8.54	11.77	8.93	10.70	13.68	17.04	14.37	14.97	15.06	11.97	13.41
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	11.71%	8.50%	11.20%	9.35%	7.31%	5.87%	6.96%	6.68%	6.64%	8.36%	7.46%
Enterprise Value to Invested Capital (EV/IC)	0.28	0.53	0.31	0.33	0.47	0.73	0.57	0.60	0.58	0.64	0.59
Enterprise Value to Revenue (EV/Rev)	1.91	3.29	1.96	2.13	3.07	4.75	3.67	3.59	3.40	3.55	3.19
Enterprise Value to EBITDA (EV/EBITDA)	3.96	6.49	3.91	4.42	6.03	9.99	8.39	8.61	8.39	7.07	6.59
Enterprise Value to EBIT (EV/EBIT)	4.03	6.70	4.10	4.57	6.57	10.92	9.08	9.44	8.99	7.47	7.02
Enterprise Value to NOPAT (EV/NOPAT)	5.58	9.11	5.58	6.29	9.04	15.28	12.51	12.98	12.37	10.43	10.24
Enterprise Value to Operating Cash Flow (EV/OCF)	5.49	8.21	4.55	0.00	7.40	11.15	8.63	8.11	6.75	7.40	7.14
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	3.04	67.41	0.00	7.71	4.39	3.51	3.06
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.38	0.19	0.17	0.17	0.17	0.26	0.25	0.18	0.18	0.19	0.19
Long-Term Debt to Equity	0.38	0.19	0.17	0.17	0.17	0.26	0.25	0.18	0.18	0.19	0.19
Financial Leverage	0.38	0.29	0.36	0.35	0.27	0.22	0.21	0.17	0.17	0.22	0.22
Leverage Ratio	4.77	5.83	5.79	5.87	4.51	4.55	4.54	4.48	4.51	4.81	4.80
Compound Leverage Factor	4.77	5.83	5.79	5.87	4.51	4.55	4.54	4.48	4.51	4.81	4.80
Debt to Total Capital	27.69%	15.76%	14.70%	14.49%	14.25%	20.33%	20.13%	15.01%	15.54%	16.00%	16.01%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	27.69%	15.76%	14.70%	14.49%	14.25%	20.33%	20.13%	15.01%	15.54%	16.00%	16.01%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	72.31%	84.24%	85.30%	85.51%	85.75%	79.67%	79.87%	84.99%	84.46%	84.00%	83.99%
Debt to EBITDA	3.95	1.94	1.85	1.93	1.82	2.78	2.98	2.16	2.23	1.76	1.80
Net Debt to EBITDA	-2.10	-1.90	-2.35	-3.10	-3.09	-1.15	-1.25	-1.32	-1.82	-1.04	-2.04
Long-Term Debt to EBITDA	3.95	1.94	1.85	1.93	1.82	2.78	2.98	2.16	2.23	1.76	1.80
Debt to NOPAT	5.56	2.72	2.64	2.75	2.73	4.26	4.44	3.26	3.29	2.59	2.80
Net Debt to NOPAT	-2.96	-2.66	-3.35	-4.41	-4.63	-1.76	-1.86	-1.99	-2.68	-1.53	-3.17
Long-Term Debt to NOPAT	5.56	2.72	2.64	2.75	2.73	4.26	4.44	3.26	3.29	2.59	2.80
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-266	-87	-59	-58	29	-7.11	-9.38	10	23	31	30
Operating Cash Flow to CapEx	0.00%	0.00%	1,049.89%	2,729.09%	5,828.85%	23,135.29%	2,215.21%	1,951.80%	64,900.00%	0.00%	52,671.43%
Free Cash Flow to Firm to Interest Expense	-93.73	-33.78	-19.30	-21.33	10.19	-2.45	-2.90	3.28	7.27	9.57	10.25
Operating Cash Flow to Interest Expense	-17.36	1.36	1.50	0.55	2.13	1.36	1.48	0.87	2.66	1.05	1.24
Operating Cash Flow Less CapEx to Interest Expense	-17.36	1.42	1.36	0.53	2.09	1.35	1.42	0.83	2.65	1.09	1.24
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	2.72	2.58	2.55	2.68	2.71	2.74	2.77	2.90	2.97	3.08	3.14
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	270	236	237	240	245	245	248	233	225	219	219
Invested Capital Turnover	0.29	0.20	0.18	0.18	0.15	0.16	0.16	0.16	0.16	0.17	0.17
Increase / (Decrease) in Invested Capital	270	90	61	61	-25	9.07	11	-7.33	-19	-27	-29
Enterprise Value (EV)	75	125	73	80	116	179	141	139	132	141	128
Market Capitalization	115	161	118	135	175	200	162	160	160	162	167
Book Value per Share	$17.15	$17.50	$17.74	$18.06	$18.42	$16.86	$18.70	$18.80	$19.14	$20.64	$20.99
Tangible Book Value per Share	$15.79	$16.14	$16.38	$16.71	$17.07	$15.54	$17.26	$17.36	$17.62	$18.95	$19.27
Total Capital	270	236	237	240	245	245	248	233	225	219	219
Total Debt	75	37	35	35	35	50	50	35	35	35	35
Total Long-Term Debt	75	37	35	35	35	50	50	35	35	35	35
Net Debt	-40	-36	-44	-56	-59	-21	-21	-21	-29	-21	-40
Capital Expenditures (CapEx)	-0.01	-0.15	0.44	0.06	0.10	0.02	0.22	0.14	0.01	-0.13	0.01
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	75	37	35	35	35	50	50	35	35	35	35
Total Depreciation and Amortization (D&A)	0.12	0.19	0.26	0.02	1.12	0.12	0.01	0.18	0.73	0.13	0.17
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.35	$0.24	$0.24	$0.32	$0.35	$0.19	$0.21	$0.29	$0.41	$0.53	$0.13
Adjusted Weighted Average Basic Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M
Adjusted Diluted Earnings per Share	$0.35	$0.24	$0.24	$0.32	$0.35	$0.18	$0.21	$0.29	$0.41	$0.52	$0.13
Adjusted Weighted Average Diluted Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.38M	11.38M	11.38M	11.39M	11.60M	10.59M	10.53M	9.94M	8.90M	8.75M	8.66M
Normalized Net Operating Profit after Tax (NOPAT)	3.68	3.01	2.57	3.40	3.80	1.95	2.10	2.86	3.73	4.81	1.09
Normalized NOPAT Margin	37.75%	31.30%	30.14%	35.76%	37.98%	20.22%	22.88%	28.99%	37.17%	45.57%	11.32%
Pre Tax Income Margin	52.09%	41.82%	42.15%	49.65%	52.41%	29.48%	29.41%	39.89%	51.52%	66.94%	21.29%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.79	1.57	1.18	1.74	1.84	0.98	0.83	1.27	1.63	2.15	0.69
NOPAT to Interest Expense	1.30	1.17	0.85	1.26	1.33	0.67	0.65	0.92	1.17	1.46	0.37
EBIT Less CapEx to Interest Expense	1.79	1.63	1.04	1.72	1.80	0.98	0.77	1.22	1.62	2.19	0.69
NOPAT Less CapEx to Interest Expense	1.30	1.23	0.70	1.23	1.30	0.67	0.58	0.88	1.17	1.50	0.36
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	151.03%	166.13%	214.47%	335.72%	222.48%	248.29%

Financials Breakdown Chart

Key Financial Trends

BV Financial (NASDAQ: BVFL) shows a mixed but generally improving operating picture, with stronger first-quarter 2026 profitability and solid operating cash flow, though earnings remain volatile and the balance sheet carries a large amount of low-yielding “other assets.”

For Q1 2026, BV Financial reported net income of $1.1 million, down from $4.8 million in Q4 2025 but up sharply from $2.1 million in Q1 2025. Earnings per share came in at $0.13, versus $0.53 in the prior quarter and $0.21 a year ago. The decline from Q4 2025 reflects lower revenue, higher expense burden relative to revenue, and a much smaller credit-loss benefit than last quarter.

Revenue in Q1 2026 was $9.6 million, down from $10.5 million in Q4 2025 and slightly above $9.2 million in Q1 2025. Net interest income was $9.1 million, down modestly from $9.8 million in Q4 2025, while non-interest income totaled $528,000, below $792,000 in the prior quarter. The company’s core earning power appears stable, but not clearly accelerating.

On the expense side, BV Financial’s total non-interest expense was $7.6 million in Q1 2026, up from $5.4 million in Q4 2025 and $6.2 million in Q1 2025. Salaries and employee benefits jumped to $5.8 million, which is a major reason profitability compressed. That suggests operating leverage remains a key area to watch.

Cash flow was a bright spot. BV Financial generated $3.7 million of operating cash flow in Q1 2026, up from $3.4 million in Q4 2025 and $4.8 million in Q1 2025. The company also produced $19.7 million of investing cash inflow, helped by investment activity, leading to a strong $18.9 million increase in cash and equivalents for the quarter. That is a healthy liquidity signal.

The balance sheet ended Q1 2026 with $910.9 million in assets and $183.6 million in common equity. Deposits totaled about $673.5 million, while long-term debt stood at $35.0 million. Tangible composition is still dominated by a very large “other assets” line, which makes the balance sheet harder to interpret and may include less liquid or less transparent items.

Operating cash flow remained strong at $3.7 million in Q1 2026, supporting earnings quality.
Liquidity improved materially, with cash and equivalents rising by $18.9 million during the quarter.
Net interest income stayed solid at $9.1 million, showing the core banking franchise is still producing meaningful earnings.
Book equity increased to $183.6 million, versus $198.0 million at Q2 2025 and $190.2 million at Q3 2025, though comparisons are influenced by capital actions and earnings flow.
Provision for credit losses was minimal at just $11,000 in Q1 2026, indicating very little current stress from loan-loss accounting.
Revenue was broadly stable year over year, but not showing strong top-line growth.
Net income remains volatile quarter to quarter, which is common for smaller banks but still worth monitoring.
The company continued repurchasing stock in recent periods, which can support EPS but also reduces capital flexibility.
Non-interest expense rose sharply to $7.6 million, pressuring quarterly profitability.
Q1 2026 EPS fell to $0.13 from $0.53 in Q4 2025, highlighting earnings inconsistency.
Deposits declined by $2.6 million in Q1 2026, which could pressure funding stability if the trend continues.

Bottom line: BV Financial appears financially stable and liquid, with decent core banking profitability and good operating cash generation, but investors should watch for expense control, deposit trends, and whether Q4 2025’s earnings strength was sustainable or an outlier.

07/27/26 07:36 PM ETAI Generated. May Contain Errors.

BV Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, BV Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

BV Financial's net income appears to be on an upward trend, with a most recent value of $13.50 million in 2025, rising from $10.52 million in 2022. The previous period was $11.72 million in 2024. See BV Financial's forecast for analyst expectations on what's next for the company.

Over the last 3 years, BV Financial's total revenue changed from $35.59 million in 2022 to $39.62 million in 2025, a change of 11.3%.

BV Financial's total liabilities were at $728.41 million at the end of 2025, a 1.7% increase from 2024, and a 2.5% decrease since 2022.

In the past 3 years, BV Financial's cash and equivalents has ranged from $5.62 million in 2025 to $12.70 million in 2022, and is currently $5.62 million as of their latest financial filing in 2025.

Over the last 3 years, BV Financial's book value per share changed from 9.98 in 2022 to 20.64 in 2025, a change of 106.9%.

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Financial statements for NASDAQ:BVFL last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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BV Financial (BVFL) Financials

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BV Financial (BVFL) Financials

Annual Income Statements for BV Financial

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Quarterly Cash Flow Statements for BV Financial

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Quarterly Balance Sheets for BV Financial

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Quarterly Metrics And Ratios for BV Financial

Financials Breakdown Chart

Key Financial Trends

BV Financial Financials - Frequently Asked Questions

When does BV Financial's fiscal year end?

How has BV Financial's net income changed over the last 3 years?

How has BV Financial's revenue changed over the last 3 years?

How much debt does BV Financial have?

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How has BV Financial's book value per share changed over the last 3 years?

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