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BV Financial (BVFL) Financials

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$21.39 -0.36 (-1.66%)
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Annual Income Statements for BV Financial

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

Quarterly Income Statements for BV Financial

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Consolidated Net Income / (Loss)		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Net Income / (Loss) Continuing Operations		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Total Pre-Tax Income 		4.02 3.60 4.72 5.24 2.85 2.70 3.94 5.17 7.06 2.05 4.73
Total Revenue		 9.61 8.54 9.51 10.00 9.66 9.17 9.87 10 11 9.64 10
Net Interest Income / (Expense)		 8.92 7.96 8.91 9.30 9.01 8.64 9.16 9.35 9.75 9.11 9.54
Total Interest Income		 11 11 12 12 12 12 12 13 13 12 12
Loans and Leases Interest Income		 9.88 9.78 10 11 11 11 11 12 12 11 11
Investment Securities Interest Income		 0.40 0.40 0.40 0.44 0.40 0.40 0.37 0.38 0.37 0.33 0.33
Other Interest Income		 1.20 0.82 1.04 1.19 0.99 0.74 0.56 0.63 0.66 0.61 0.71
Total Interest Expense		 2.56 3.04 2.71 2.85 2.90 3.24 3.11 3.18 3.28 2.97 2.67
Deposits Interest Expense		 1.92 1.99 2.24 2.38 2.43 2.60 2.62 2.71 2.77 2.65 2.77
Long-Term Debt Interest Expense		 0.64 1.06 0.47 0.47 0.47 0.64 0.49 0.47 0.51 0.32 -0.10
Total Non-Interest Income		 0.70 0.58 0.60 0.70 0.64 0.53 0.71 0.68 0.79 0.53 0.47
Other Service Charges		 0.29 0.22 0.21 0.33 0.23 0.18 0.31 0.27 0.42 0.17 0.20
Net Realized & Unrealized Capital Gains on Investments		 0.03 0.00 0.00 0.00 - 0.00 0.00 0.02 -0.02 0.00 -0.14
Other Non-Interest Income		 0.38 0.36 0.39 0.37 0.41 0.35 0.40 0.39 0.40 0.36 0.40
Provision for Credit Losses		 0.44 0.02 -0.11 -0.71 0.60 0.30 0.18 -1.01 -1.89 -0.01 -0.22
Total Non-Interest Expense		 5.16 4.92 4.90 5.47 6.21 6.18 5.76 5.88 5.38 7.60 5.49
Salaries and Employee Benefits		 3.37 3.13 3.09 3.49 4.29 4.52 4.02 4.06 3.63 5.78 3.51
Net Occupancy & Equipment Expense		 0.87 0.92 0.89 0.86 0.83 0.93 0.87 0.88 0.84 0.94 1.00
Marketing Expense		 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.01 0.02 0.02 0.02
Property & Liability Insurance Claims		 0.10 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09
Other Operating Expenses		 0.76 0.74 0.79 0.99 0.95 0.59 0.74 0.80 0.75 0.73 0.83
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		 1.01 1.03 1.32 1.44 0.90 0.60 1.08 1.44 2.25 0.96 1.27
Basic Earnings per Share		 $0.24 $0.24 $0.32 $0.35 $0.19 $0.21 $0.29 $0.41 $0.53 $0.13 $0.43
Weighted Average Basic Shares Outstanding		 11.38M 11.38M 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M
Diluted Earnings per Share		 $0.24 $0.24 $0.32 $0.35 $0.18 $0.21 $0.29 $0.41 $0.52 $0.13 $0.42
Weighted Average Diluted Shares Outstanding		 11.38M 11.38M 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M
Weighted Average Basic & Diluted Shares Outstanding		 11.38M 11.38M 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M

Annual Cash Flow Statements for BV Financial

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

Quarterly Cash Flow Statements for BV Financial

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -41 5.10 12 3.43 -24 0.32 -14 7.22 -7.84 19 -5.68
Net Cash From Operating Activities		 3.50 4.57 1.50 6.06 3.93 4.81 2.71 8.44 3.44 3.69 4.43
Net Cash From Continuing Operating Activities		 3.50 4.57 1.50 6.06 3.92 4.81 2.71 8.44 3.44 3.69 4.43
Net Income / (Loss) Continuing Operations		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Consolidated Net Income / (Loss)		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Provision For Loan Losses		 0.44 0.02 -0.11 -0.71 0.60 0.30 0.18 -1.01 -1.89 -0.01 -0.22
Depreciation Expense		 0.22 0.21 0.11 0.30 0.20 0.20 0.20 0.21 0.03 0.19 0.19
Amortization Expense		 -0.03 0.05 -0.09 0.82 -0.08 -0.19 -0.02 0.52 0.10 -0.03 0.15
Non-Cash Adjustments to Reconcile Net Income		 0.15 0.78 -0.05 0.24 1.23 1.01 0.81 0.99 2.34 0.83 0.48
Changes in Operating Assets and Liabilities, net		 -0.29 0.94 -1.76 1.62 0.02 1.39 -1.32 4.01 -1.94 1.62 0.36
Net Cash From Investing Activities		 5.77 -3.28 8.64 5.97 -44 -10 -0.52 6.25 -9.02 20 27
Net Cash From Continuing Investing Activities		 5.77 -3.28 8.64 5.97 -44 -10 -0.52 6.25 -9.02 20 27
Purchase of Property, Leasehold Improvements and Equipment		 -0.04 -0.44 -0.06 -0.10 -0.02 -0.22 -0.14 -0.01 0.13 -0.01 -0.11
Purchase of Investment Securities		 -0.00 -5.36 - -7.17 -2.71 -5.32 -2.20 -6.80 -3.67 13 19
Sale and/or Maturity of Investments		 3.78 6.38 1.10 5.14 3.70 7.80 3.05 7.61 3.44 6.34 8.08
Other Investing Activities, net		 1.84 -3.87 7.59 8.11 -45 -12 -1.23 5.45 -8.93 -0.00 0.00
Net Cash From Financing Activities		 -50 3.81 1.67 -8.61 16 5.51 -17 -7.46 -2.26 -4.54 -37
Net Cash From Continuing Financing Activities		 -50 3.81 1.67 -8.61 16 5.51 -17 -7.46 -2.26 -4.54 -37
Net Change in Deposits		 -12 5.41 0.83 -5.97 17 6.50 0.91 4.90 12 -2.58 2.38
Repurchase of Common Equity		 - 0.00 - - - -0.98 -4.28 -13 -12 -1.96 -4.64
Cash Interest Paid		 1.76 2.48 2.85 2.40 3.61 2.33 3.72 2.27 4.40 2.49 2.94
Cash Income Taxes Paid		 1.06 0.27 1.70 2.22 1.70 -0.17 1.54 1.06 0.59 0.15 1.89

Annual Balance Sheets for BV Financial

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

Quarterly Balance Sheets for BV Financial

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 Q2 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 6/30/2026
Total Assets		 931 893 897 893 922 908 909 911 878
Cash and Due from Banks		 6.76 8.52 9.33 7.21 8.57 4.99 6.06 6.91 8.66
Interest Bearing Deposits at Other Banks		 108 70 81 87 62 51 57 68 60
Trading Account Securities		 46 44 43 45 41 41 40 39 38
Loans and Leases, Net of Allowance		 -8.15 -8.51 -8.55 -8.00 -8.89 -9.16 -8.20 -6.40 -6.21
Allowance for Loan and Lease Losses		 8.15 8.51 8.55 8.00 8.89 9.16 8.20 6.40 6.21
Premises and Equipment, Net		 14 14 14 13 13 13 13 12 12
Goodwill		 14 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 0.56
Other Assets		 749 748 743 733 790 792 786 777 750
Total Liabilities & Shareholders' Equity		 931 893 897 893 922 908 909 911 878
Total Liabilities		 736 691 692 683 724 710 719 727 695
Non-Interest Bearing Deposits		 143 139 141 139 136 134 135 139 138
Interest Bearing Deposits		 503 500 499 495 522 524 529 534 538
Long-Term Debt		 75 35 35 35 50 35 35 35 0.00
Other Long-Term Liabilities		 15 17 17 14 16 16 20 19 19
Total Equity & Noncontrolling Interests		 195 202 205 210 198 198 190 184 183
Total Preferred & Common Equity		 195 202 205 210 198 198 190 184 183
Preferred Stock		 - - - - - - - 0.00 0.00
Total Common Equity		 195 202 205 210 198 198 190 184 183
Common Stock		 110 111 111 111 95 92 80 68 64
Retained Earnings		 95 100 104 108 112 114 118 124 128
Accumulated Other Comprehensive Income / (Loss)		 -2.52 -1.96 -1.84 -1.42 -1.43 -1.35 -1.20 -1.17 -1.18
Other Equity Adjustments		 -7.64 -7.29 -7.24 -7.20 -7.12 -7.07 -7.02 -6.93 -6.88

Annual Metrics And Ratios for BV Financial

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%

Quarterly Metrics And Ratios for BV Financial

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 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 8,658,965.00
DEI Adjusted Shares Outstanding		 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 8,658,965.00
DEI Earnings Per Adjusted Shares Outstanding		 0.26 0.23 0.30 0.33 - 0.20 0.27 0.38 0.54 0.12 0.40
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.76% -5.17% -1.06% 2.47% 0.44% 7.40% 3.84% 0.35% 9.20% 5.08% 1.37%
EBITDA Growth		 8.25% -10.82% -13.80% 22.26% -29.62% -29.86% -13.10% -7.22% 142.52% -18.07% 23.08%
EBIT Growth		 1.11% -16.38% -9.48% 3.09% -29.20% -25.06% -16.57% -1.34% 147.91% -23.94% 20.17%
NOPAT Growth		 10.22% -17.37% -12.82% 3.09% -35.13% -18.45% -15.83% -1.79% 146.16% -48.02% 21.01%
Net Income Growth		 10.22% -17.37% -12.82% 3.09% -35.13% -18.45% -15.83% -1.79% 146.16% -48.02% 21.01%
EPS Growth		 -17.24% -38.46% -34.69% 0.00% -25.00% -12.50% -9.38% 17.14% 188.89% -38.10% 44.83%
Operating Cash Flow Growth		 79.69% 26.61% -97.38% 112.30% 12.53% 5.26% 80.75% 39.18% -12.56% -23.30% 0.73%
Free Cash Flow Firm Growth		 0.00% 65.90% 67.04% 110.90% 91.78% 84.03% 117.64% -20.35% 541.14% 424.72% 422.36%
Invested Capital Growth		 60.99% 34.96% 34.14% -9.34% 3.84% 4.85% -3.05% -7.92% -10.83% -11.84% -21.36%
Revenue Q/Q Growth		 -1.48% -11.16% 11.29% 5.20% -3.43% -5.00% 7.60% 1.66% 5.08% -8.58% 3.80%
EBITDA Q/Q Growth		 -19.05% -8.36% 22.91% 34.10% -53.40% -8.67% 52.29% 43.17% 21.80% -69.15% 128.78%
EBIT Q/Q Growth		 -20.89% -10.47% 31.08% 11.04% -45.67% -5.23% 45.92% 31.32% 36.52% -70.93% 130.56%
NOPAT Q/Q Growth		 -18.32% -14.46% 32.05% 11.74% -48.60% 7.53% 36.30% 30.37% 28.82% -77.29% 217.32%
Net Income Q/Q Growth		 -18.32% -14.46% 32.05% 11.74% -48.60% 7.53% 36.30% 30.37% 28.82% -77.29% 217.32%
EPS Q/Q Growth		 -31.43% 0.00% 33.33% 9.38% -48.57% 16.67% 38.10% 41.38% 26.83% -75.00% 223.08%
Operating Cash Flow Q/Q Growth		 107.09% 30.67% -67.13% 303.86% -35.12% 22.22% -38.83% 210.98% -59.24% 7.21% 20.23%
Free Cash Flow Firm Q/Q Growth		 67.49% 32.15% 1.61% 150.21% -124.53% -31.81% 208.64% 126.75% 35.86% -2.98% 74.76%
Invested Capital Q/Q Growth		 -12.40% 0.09% 1.59% 1.79% 0.33% 1.06% -6.07% -3.32% -2.84% -0.08% -16.21%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.79% 45.17% 49.89% 63.60% 30.69% 29.50% 41.75% 58.80% 68.15% 23.00% 50.69%
EBIT Margin		 41.82% 42.15% 49.65% 52.41% 29.48% 29.41% 39.89% 51.52% 66.94% 21.29% 47.29%
Profit (Net Income) Margin		 31.30% 30.14% 35.76% 37.98% 20.22% 22.88% 28.99% 37.17% 45.57% 11.32% 34.60%
Tax Burden Percent		 74.83% 71.50% 72.03% 72.48% 68.56% 77.80% 72.67% 72.15% 68.08% 53.17% 73.18%
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		 25.17% 28.50% 27.97% 27.52% 31.44% 22.20% 27.33% 27.85% 31.92% 46.83% 26.82%
Return on Invested Capital (ROIC)		 6.21% 5.49% 6.38% 5.56% 3.16% 3.62% 4.74% 6.13% 7.78% 1.94% 6.69%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.21% 5.49% 6.38% 5.56% 3.16% 3.62% 4.74% 6.13% 7.78% 1.94% 6.69%
Return on Net Nonoperating Assets (RNNOA)		 1.80% 1.99% 2.25% 1.51% 0.70% 0.77% 0.82% 1.07% 1.74% 0.43% 0.61%
Return on Equity (ROE)		 8.01% 7.48% 8.63% 7.07% 3.86% 4.39% 5.56% 7.20% 9.52% 2.38% 7.30%
Cash Return on Invested Capital (CROIC)		 -39.58% -23.37% -23.12% 14.77% 1.10% -0.09% 7.62% 12.78% 17.27% 17.93% 30.20%
Operating Return on Assets (OROA)		 1.84% 1.81% 2.04% 2.16% 1.24% 1.24% 1.71% 2.21% 2.91% 0.93% 2.13%
Return on Assets (ROA)		 1.37% 1.29% 1.47% 1.57% 0.85% 0.97% 1.24% 1.60% 1.98% 0.50% 1.56%
Return on Common Equity (ROCE)		 8.01% 7.48% 8.63% 7.07% 3.86% 4.39% 5.56% 7.20% 9.52% 2.38% 7.30%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 6.53% 6.16% 6.09% 0.00% 5.68% 5.41% 5.59% 0.00% 6.80% 7.14%
Net Operating Profit after Tax (NOPAT)		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
NOPAT Margin		 31.30% 30.14% 35.76% 37.98% 20.22% 22.88% 28.99% 37.17% 45.57% 11.32% 34.60%
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		 44.23% 47.43% 41.90% 43.59% 53.10% 59.54% 49.53% 49.31% 42.65% 69.91% 45.31%
Operating Expenses to Revenue		 53.64% 57.64% 51.52% 54.74% 64.26% 67.35% 58.31% 58.58% 50.99% 78.83% 54.87%
Earnings before Interest and Taxes (EBIT)		 4.02 3.60 4.72 5.24 2.85 2.70 3.94 5.17 7.06 2.05 4.73
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.21 3.86 4.74 6.36 2.96 2.71 4.12 5.90 7.19 2.22 5.07
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.58 0.66 0.83 1.02 0.82 0.81 0.84 0.88 0.91 1.00
Price to Tangible Book Value (P/TBV)		 0.88 0.63 0.71 0.90 1.11 0.88 0.88 0.92 0.96 0.99 1.09
Price to Revenue (P/Rev)		 4.25 3.13 3.62 4.64 5.30 4.22 4.14 4.14 4.08 4.18 4.56
Price to Earnings (P/E)		 11.77 8.93 10.70 13.68 17.04 14.37 14.97 15.06 11.97 13.41 14.01
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		 8.50% 11.20% 9.35% 7.31% 5.87% 6.96% 6.68% 6.64% 8.36% 7.46% 7.14%
Enterprise Value to Invested Capital (EV/IC)		 0.53 0.31 0.33 0.47 0.73 0.57 0.60 0.58 0.64 0.59 0.63
Enterprise Value to Revenue (EV/Rev)		 3.29 1.96 2.13 3.07 4.75 3.67 3.59 3.40 3.55 3.19 2.85
Enterprise Value to EBITDA (EV/EBITDA)		 6.49 3.91 4.42 6.03 9.99 8.39 8.61 8.39 7.07 6.59 5.62
Enterprise Value to EBIT (EV/EBIT)		 6.70 4.10 4.57 6.57 10.92 9.08 9.44 8.99 7.47 7.02 6.02
Enterprise Value to NOPAT (EV/NOPAT)		 9.11 5.58 6.29 9.04 15.28 12.51 12.98 12.37 10.43 10.24 8.75
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.21 4.55 0.00 7.40 11.15 8.63 8.11 6.75 7.40 7.14 6.38
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 3.04 67.41 0.00 7.71 4.39 3.51 3.06 1.82
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.19 0.17 0.17 0.17 0.26 0.25 0.18 0.18 0.19 0.19 0.00
Long-Term Debt to Equity		 0.19 0.17 0.17 0.17 0.26 0.25 0.18 0.18 0.19 0.19 0.00
Financial Leverage		 0.29 0.36 0.35 0.27 0.22 0.21 0.17 0.17 0.22 0.22 0.09
Leverage Ratio		 5.83 5.79 5.87 4.51 4.55 4.54 4.48 4.51 4.81 4.80 4.69
Compound Leverage Factor		 5.83 5.79 5.87 4.51 4.55 4.54 4.48 4.51 4.81 4.80 4.69
Debt to Total Capital		 15.76% 14.70% 14.49% 14.25% 20.33% 20.13% 15.01% 15.54% 16.00% 16.01% 0.00%
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		 15.76% 14.70% 14.49% 14.25% 20.33% 20.13% 15.01% 15.54% 16.00% 16.01% 0.00%
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		 84.24% 85.30% 85.51% 85.75% 79.67% 79.87% 84.99% 84.46% 84.00% 83.99% 100.00%
Debt to EBITDA		 1.94 1.85 1.93 1.82 2.78 2.98 2.16 2.23 1.76 1.80 0.00
Net Debt to EBITDA		 -1.90 -2.35 -3.10 -3.09 -1.15 -1.25 -1.32 -1.82 -1.04 -2.04 0.00
Long-Term Debt to EBITDA		 1.94 1.85 1.93 1.82 2.78 2.98 2.16 2.23 1.76 1.80 0.00
Debt to NOPAT		 2.72 2.64 2.75 2.73 4.26 4.44 3.26 3.29 2.59 2.80 0.00
Net Debt to NOPAT		 -2.66 -3.35 -4.41 -4.63 -1.76 -1.86 -1.99 -2.68 -1.53 -3.17 0.00
Long-Term Debt to NOPAT		 2.72 2.64 2.75 2.73 4.26 4.44 3.26 3.29 2.59 2.80 0.00
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)		 -87 -59 -58 29 -7.11 -9.38 10 23 31 30 53
Operating Cash Flow to CapEx		 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% 4,030.00%
Free Cash Flow to Firm to Interest Expense		 -33.78 -19.30 -21.33 10.19 -2.45 -2.90 3.28 7.27 9.57 10.25 19.95
Operating Cash Flow to Interest Expense		 1.36 1.50 0.55 2.13 1.36 1.48 0.87 2.66 1.05 1.24 1.66
Operating Cash Flow Less CapEx to Interest Expense		 1.42 1.36 0.53 2.09 1.35 1.42 0.83 2.65 1.09 1.24 1.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 2.58 2.55 2.68 2.71 2.74 2.77 2.90 2.97 3.08 3.14 3.17
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 236 237 240 245 245 248 233 225 219 219 183
Invested Capital Turnover		 0.20 0.18 0.18 0.15 0.16 0.16 0.16 0.16 0.17 0.17 0.19
Increase / (Decrease) in Invested Capital		 90 61 61 -25 9.07 11 -7.33 -19 -27 -29 -50
Enterprise Value (EV)		 125 73 80 116 179 141 139 132 141 128 114
Market Capitalization		 161 118 135 175 200 162 160 160 162 167 183
Book Value per Share		 $17.50 $17.74 $18.06 $18.42 $16.86 $18.70 $18.80 $19.14 $20.64 $20.99 $21.16
Tangible Book Value per Share		 $16.14 $16.38 $16.71 $17.07 $15.54 $17.26 $17.36 $17.62 $18.95 $19.27 $19.43
Total Capital		 236 237 240 245 245 248 233 225 219 219 183
Total Debt		 37 35 35 35 50 50 35 35 35 35 0.00
Total Long-Term Debt		 37 35 35 35 50 50 35 35 35 35 0.00
Net Debt		 -36 -44 -56 -59 -21 -21 -21 -29 -21 -40 -69
Capital Expenditures (CapEx)		 -0.15 0.44 0.06 0.10 0.02 0.22 0.14 0.01 -0.13 0.01 0.11
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)		 37 35 35 35 50 50 35 35 35 35 0.00
Total Depreciation and Amortization (D&A)		 0.19 0.26 0.02 1.12 0.12 0.01 0.18 0.73 0.13 0.17 0.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.24 $0.24 $0.32 $0.35 $0.19 $0.21 $0.29 $0.41 $0.53 $0.13 $0.43
Adjusted Weighted Average Basic Shares Outstanding		 11.38M 11.38M 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M
Adjusted Diluted Earnings per Share		 $0.24 $0.24 $0.32 $0.35 $0.18 $0.21 $0.29 $0.41 $0.52 $0.13 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 11.38M 11.38M 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M
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 11.39M 11.60M 10.59M 10.53M 9.94M 8.90M 8.75M 8.66M 8.47M
Normalized Net Operating Profit after Tax (NOPAT)		 3.01 2.57 3.40 3.80 1.95 2.10 2.86 3.73 4.81 1.09 3.46
Normalized NOPAT Margin		 31.30% 30.14% 35.76% 37.98% 20.22% 22.88% 28.99% 37.17% 45.57% 11.32% 34.60%
Pre Tax Income Margin		 41.82% 42.15% 49.65% 52.41% 29.48% 29.41% 39.89% 51.52% 66.94% 21.29% 47.29%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.57 1.18 1.74 1.84 0.98 0.83 1.27 1.63 2.15 0.69 1.77
NOPAT to Interest Expense		 1.17 0.85 1.26 1.33 0.67 0.65 0.92 1.17 1.46 0.37 1.30
EBIT Less CapEx to Interest Expense		 1.63 1.04 1.72 1.80 0.98 0.77 1.22 1.62 2.19 0.69 1.73
NOPAT Less CapEx to Interest Expense		 1.23 0.70 1.23 1.30 0.67 0.58 0.88 1.17 1.50 0.36 1.26
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% 151.03% 166.13% 214.47% 335.72% 222.48% 248.29% 239.58%

Financials Breakdown Chart

Key Financial Trends

BV Financial’s second-quarter 2026 results show a meaningful improvement in profitability, despite a smaller balance sheet. Net income increased to $3.5 million from $2.9 million in the year-ago quarter and $1.1 million in Q1 2026. Basic earnings per share rose to $0.43 from $0.29 in Q2 2025, helped by both higher earnings and a significantly lower share count.

Net interest income was a key driver of the improvement. It reached $9.5 million in Q2 2026, up from $9.2 million in Q2 2025 and $9.1 million in Q1 2026. Total interest income was largely stable year over year, while total interest expense declined sequentially as long-term debt interest expense fell sharply. This helped lift total revenue 1.4% year over year to $10.0 million.

Expense control also supported earnings. Total non-interest expense declined to $5.5 million from $5.8 million in Q2 2025, with salaries and employee benefits falling 12.6% to $3.5 million. The provision for credit losses shifted from a $178,000 expense in Q2 2025 to a reported $216,000 benefit in Q2 2026, further improving pretax income. However, non-interest income fell to $467,000 from $714,000, partly because of a $135,000 investment loss.

The balance sheet contracted during the year. Total assets declined 3.3% from Q2 2025 to $878.0 million, while total equity fell 7.5% to $183.2 million. Deposits increased approximately 2.6% to $675.9 million, and long-term debt was reduced to zero from $35.0 million a year earlier. The company’s allowance for loan losses also declined to $6.2 million from $9.2 million, although the standardized data does not provide a conventional gross-loan balance that would allow a complete assessment of credit coverage.

Cash flow remained positive from operations at $4.4 million, but financing activity was a significant cash use. BV Financial repurchased $4.6 million of common stock during the quarter, following $2.0 million in Q1 and $12.0 million in Q4 2025. As a result, cash and cash equivalents declined by $5.7 million during Q2, even though the company continued to generate positive operating cash flow.

  • Profitability improved: Q2 2026 net income rose 21% year over year to $3.5 million, while diluted EPS increased to $0.42 from $0.29.
  • Net interest income is trending higher: NII increased from $7.96 million in Q1 2024 to $9.54 million in Q2 2026, providing a stronger recurring earnings base.
  • Operating expenses declined: Non-interest expense fell 4.6% year over year, led by a 12.6% reduction in salaries and employee benefits.
  • Leverage improved: Long-term debt was reduced to zero by Q2 2026, compared with $35.0 million in Q2 2025 and $35.0 million in Q1 2026.
  • Share repurchases boosted per-share results: Weighted average shares outstanding fell to 8.5 million from 9.9 million in Q2 2025, supporting EPS growth.
  • Operating cash generation remained positive: The company produced $4.4 million of operating cash flow in Q2 2026 and $8.1 million during the first half of the year.
  • Deposits continued to grow: Total deposits increased to approximately $675.9 million, although the company’s overall assets declined as its investment and cash allocation changed.
  • Credit costs have moderated: The allowance for loan losses declined from $9.2 million in Q2 2025 to $6.2 million in Q2 2026, but the available standardized data does not show enough gross-loan detail to determine whether coverage remains conservative.
  • Balance-sheet capital declined: Total equity fell to $183.2 million from $198.0 million a year earlier, partly reflecting substantial stock repurchases.
  • Revenue diversification weakened: Non-interest income declined 34.6% year over year to $467,000, and Q2 included a $135,000 net investment loss.
10/16/26 07:55 AM 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. Find out what analysts predict for BV Financial in the coming months.

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%.

In the past 11 quarters, BV Financial's cash and equivalents has ranged from $4.99 million in Q2 2025 to $9.33 million in Q2 2024, and is currently $8.66 million as of their latest financial filing in Q2 2026.

BV Financial had total debt of $35 million at the end of 2025, a 29.8% decrease from 2024, and a 28.6% decrease since 2022.

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 8/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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