BV Financial, Inc. (BVFL) stock price, financials & research

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GoAI snapshot

AI-powered factor overview

Jul 10, 2026

63/100

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

84

Deep Value

Momentum

48

Neutral

Sentiment

50

Mixed

Risk resilience

72

Moderate Risk

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Company profile

Company website

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; personal credit cards; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

Industry: Banks - Regional
Sector: Financial Services
Headquarters: US
CEO: Timothy L. Prindle
Listed since: Feb 17, 2005
Employees: 102

Market position

Day range

Current $21.42

$21.31$21.64

52-week range

Current $21.42

$14.60$22.17

Open: $21.42
Previous close: $21.63
Volume: 17.77K; 1× average
Average volume: 17.78K; Average daily volume
Market cap: 185.48M USD
Beta: 0.06; Market reference 1
50-day average: $21.1078; +1.48% above average
200-day average: $19.5221; +9.72% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 132.18M USD
P/E (TTM): 14.09×
P/B (TTM): 0.98×
P/S (TTM): 3.58×
EV / EBITDA: 7.52×
Earnings yield: 8.83%
Free cash flow yield: 12.29%
Dividend yield: 0.00%

Profitability & efficiency

Gross margin: 79.03%
Operating margin: 32.05%
Net margin: 25.27%
Return on equity: 7.34%
Return on assets: 1.48%
Return on invested capital: 5.14%

Financial health

Debt / equity: 0×
Current ratio: 0.12×

Earnings

Latest EPS result: 0.47

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Estimates unavailable

BVFL news

zacks.comJul 30, 2026

BV Financial's Q2 Earnings Rise Y/Y on Lower Funding Costs

BVFL's Q2 earnings per share are aided by higher net interest income, improved margins and reduced borrowing costs, while lower loan balances and softer noninterest income weigh on performance.

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accessnewswire.comJul 24, 2026

BV Financial, Inc. Announces Financial Results

BALTIMORE, MD / ACCESS Newswire / July 24, 2026 / BV Financial, Inc. (NASDAQ:BVFL), the holding company for BayVanguard Bank (the "Bank"), today reported net income of $3.5 million, or $0.42 per diluted share, for the…

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seekingalpha.comJun 25, 2026

BV Financial: A Community Bank Trading Below Fair Value

BayVanguard (BV) Financial is rated a buy, with 13% upside driven by undervalued excess capital and normalized earnings. BVFL's ROTCE appears mediocre at 7.8% due to a one-time $2.2M severance and surplus capital, but…

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