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BVFL

BV Financial, Inc.

BVFL

BV Financial, Inc. • NASDAQ
$18.34 ▼ -0.60% (-0.11)
Market Cap $183.35 M
52w High $18.48
52w Low $13.53
Dividend Yield 0%
P/E 17.3
Volume 6.34K
Outstanding Shares 10.00M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $13.217M ▲ $0 ▼ $3.73M ▲ 28.221% ▲ $0.41 ▲ $5.178M ▲
Q2-2025 $12.98M ▲ $5.755M ▼ $2.861M ▲ 22.042% ▲ $0.29 ▲ $3.982M ▲
Q1-2025 $12.414M ▼ $6.178M ▼ $2.099M ▲ 16.908% ▲ $0.21 ▲ $2.941M ▼
Q4-2024 $12.556M ▼ $6.206M ▲ $1.952M ▼ 15.546% ▼ $0.18 ▼ $3.089M ▼
Q3-2024 $12.846M $5.473M $3.798M 29.566% $0.35 $5.588M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $909.386M ▲ $719.176M ▲ $190.21M ▼
Q2-2025 $40.346M ▼ $908.327M ▼ $710.336M ▼ $197.991M ▼
Q1-2025 $106.005M ▼ $921.938M ▲ $723.865M ▲ $198.073M ▲
Q4-2024 $107.759M ▼ $911.821M ▲ $716.322M ▲ $195.499M ▼
Q3-2024 $133.227M $892.709M $682.975M $209.734M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $2.861M ▲ $2.713M ▼ $-519K ▲ $-16.691M ▼ $-14.497M ▼ $2.574M ▼
Q1-2025 $2.099M ▲ $4.435M ▲ $-10.001M ▲ $5.886M ▼ $320K ▲ $4.218M ▲
Q4-2024 $1.951M ▼ $3.933M ▼ $-43.824M ▼ $16.326M ▲ $-23.565M ▼ $3.916M ▼
Q3-2024 $3.798M ▲ $6.062M ▲ $5.974M ▼ $-8.61M ▼ $3.426M ▼ $5.958M ▲
Q2-2024 $3.399M $1.501M $8.636M $1.665M $11.802M $1.446M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement The bank’s income statement shows slow‑and‑steady growth rather than dramatic swings. Revenue has been edging up over the past several years, and core operating profits have generally followed that upward path. Net earnings have stayed consistently positive, which is important for a small community bank. However, profit per share has bounced around a bit, suggesting that changes in share count or one‑off factors (like deals or restructuring) may be affecting reported earnings per share. Overall, this looks like a conservatively run bank with stable, if unspectacular, profitability and some recent pressure on per‑share results.

Balance Sheet

Balance Sheet The balance sheet looks relatively solid for a regional community bank. Total assets have grown gradually, not aggressively, which points to measured expansion rather than rapid risk‑taking. Cash levels have been fairly steady, giving the bank a reasonable liquidity cushion. Debt is modest relative to total assets, and the noticeable build‑up in shareholders’ equity over time suggests a stronger capital base and more room to absorb potential shocks. In simple terms, the bank appears better capitalized today than it was a few years ago, which is a plus in a volatile interest rate and regulatory environment.

Cash Flow

Cash Flow Cash generation is a quiet strength here. Operating cash flow has been consistently positive and has grown over time, which aligns with the steady profitability seen on the income statement. Free cash flow tracks closely with operating cash flow because the bank does not appear to be a heavy spender on physical investments. This pattern fits an asset‑light, service‑oriented financial institution that relies more on loans and deposits than on big capital projects. Reliable cash flow gives management flexibility to support growth, absorb credit losses, or return capital, depending on their strategic choices.

Competitive Edge

Competitive Edge BV Financial competes as a classic community bank, not as a technology leader. Its edge comes from very long‑standing local roots, close relationships with customers in the Baltimore area and nearby regions, and a reputation built over many decades. The bank has also grown through acquisitions of other community banks, which has expanded its footprint and customer base while maintaining a local feel. The flip side is exposure to a limited geographic area and competition from both large national banks and digital‑only players. Its competitive strength is relationship‑driven loyalty and local knowledge, not scale or proprietary technology.

Innovation and R&D

Innovation and R&D Innovation here is practical and incremental rather than flashy. The bank offers the standard digital tools customers now expect—online banking, mobile apps, remote check deposit, and electronic services for businesses. These are delivered in a straightforward, user‑friendly way, but they are not unique or cutting‑edge. The real “innovation” lies in how BV Financial integrates acquisitions, upgrades its digital channels over time, and uses technology to support personalized service rather than replace it. There is no sign of heavy in‑house R&D; instead, the bank appears to rely on established technology providers and focuses on steady improvements and secure, reliable access.

Summary

BV Financial comes across as a steady, community‑focused bank with conservative financials and a clear strategic identity. Over the last several years it has grown revenue and assets gradually, kept earnings positive, strengthened its capital position, and generated consistent free cash flow. Its main strengths are deep community relationships, a history of successful bank acquisitions, and a service model built on personal attention rather than sophisticated technology. Key areas to watch include how well it manages integration of future acquisitions, maintains credit quality in its loan book, handles interest‑rate and regulatory shifts, and keeps its digital offerings competitive enough to retain and attract customers. Overall, it looks more like a stable, slow‑and‑steady community institution than a high‑growth or high‑risk player.

NEWS

October 17, 2025 · 4:05 PM UTC

BV Financial, Inc. Announces Financial Results

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