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BV Financial, Inc.

BVFL

$21.87 ▼ -0.27 (-1.22%) at close

5 Visible periods

33 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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Analytical Summary

BV Financial, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $205.1M

Dividend Yield —

Revenue Growth 5.1% ↗

Op. Margin 47.6% ↗

ROIC None

FCF / Share None

Trailing P/E 15.2x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.19

info Valuation on last close. End-of-day price, Nov 5, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$39.62M

↑ +5.1% —

Net Income Profit after all expenses

$13.49M

↑ +15.1% —

Operating Margin Operating profit as % of sales

47.6%

↑ +9.4% 96th

Long-Term Debt Long-term obligations

$35.00M

↓ -29.8% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial Health ↓

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue Growth YoY (%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	-0.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-113%)	6.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	—	—
EPS Growth YoY (%)	30.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	11.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	15.1% Good ↑ Good Improving Year-over-year change in net income	-14.5% Weak Weak Year-over-year change in net income	30.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.6% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	2.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Operating Margin (%) (%)	47.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	43.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	49.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	40.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	—
Effective Tax Rate (%) (%)	28.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	34.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	31.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	36.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	29.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	6.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	6.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	10.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Debt to Equity (x)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.19x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.50x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue per Share (USD)	$4.22	$3.53	$4.08	$4.48	—
Basic EPS, GAAP (USD)	$1.44	$1.10	$1.47	$1.32	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$20.76	$18.36	$17.50	$12.28	—
Tangible Book Value per Share (USD)	$19.06	$16.93	$16.14	$10.32	—
Basic Weighted Avg Shares (shares)	9.38M	10.68M	9.30M	7.95M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$35.00M	$49.88M	$37.25M	$49.04M	—
Total Equity (USD)	$183.80M	$195.50M	$199.06M	$97.75M	$83.45M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Sales/Revenue/Turnover (USD)	$39.62M	$37.70M	$37.99M	$35.59M	—
Depreciation Expense (USD)	$793.00K	$822.00K	$869.00K	$860.00K	—
Net Income, GAAP (USD)	$13.49M	$11.72M	$13.71M	$10.52M	—
Operating Cash Flow (USD)	$19.02M	$16.06M	$15.19M	$9.71M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Net Interest Margin (approx.) (%)	4.0%	3.9%	3.9%	3.5%	—
Efficiency Ratio (%) (%)	58.5%	57.0%	51.1%	56.2%	—

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Synced 4 days ago 5 years · 19 quarters

BV Financial, Inc.

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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