View Future GrowthBV Financial 過去の業績過去 基準チェック /36BV Financialは、平均年間6.8%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間2.8% 10.9%収益成長率で 成長しています。 BV Financialの自己資本利益率は6.8%であり、純利益率は29.2%です。主要情報6.79%収益成長率10.54%EPS成長率Banks 業界の成長11.18%収益成長率10.94%株主資本利益率6.80%ネット・マージン29.16%前回の決算情報31 Mar 2026最近の業績更新Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0 (down from US$0.21 in 1Q 2025). Revenue: US$9.65m (up 8.7% from 1Q 2025). Net income: US$1.09m (down 48% from 1Q 2025). Profit margin: 11% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.Reported Earnings • Jan 25Full year 2025 earnings released: EPS: US$1.44 (vs US$1.10 in FY 2024)Full year 2025 results: EPS: US$1.44 (up from US$1.10 in FY 2024). Revenue: US$42.1m (up 11% from FY 2024). Net income: US$13.5m (up 15% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.35% (up from 4.27% in FY 2024). Cost-to-income ratio: 58.5% (up from 57.0% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 20Third quarter 2025 earnings released: EPS: US$0.41 (vs US$0.35 in 3Q 2024)Third quarter 2025 results: EPS: US$0.41. Revenue: US$11.0m (up 3.1% from 3Q 2024). Net income: US$3.73m (down 1.8% from 3Q 2024). Profit margin: 34% (down from 36% in 3Q 2024). The decrease in margin was driven by higher expenses.Reported Earnings • Jul 21Second quarter 2025 earnings released: EPS: US$0.29 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.29 (down from US$0.32 in 2Q 2024). Revenue: US$9.69m (flat on 2Q 2024). Net income: US$2.86m (down 16% from 2Q 2024). Profit margin: 30% (down from 35% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Reported Earnings • Apr 21First quarter 2025 earnings released: EPS: US$0.21 (vs US$0.24 in 1Q 2024)First quarter 2025 results: EPS: US$0.21 (down from US$0.24 in 1Q 2024). Revenue: US$8.88m (up 4.1% from 1Q 2024). Net income: US$2.10m (down 19% from 1Q 2024). Profit margin: 24% (down from 30% in 1Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.Reported Earnings • Jan 28Full year 2024 earnings released: EPS: US$1.10 (vs US$1.47 in FY 2023)Full year 2024 results: EPS: US$1.10 (down from US$1.47 in FY 2023). Revenue: US$37.9m (flat on FY 2023). Net income: US$11.7m (down 14% from FY 2023). Profit margin: 31% (down from 36% in FY 2023). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.すべての更新を表示Recent updatesRecent Insider Transactions • May 12Independent Director recently sold US$100k worth of stockOn the 8th of May, Joseph Galli sold around 5k shares on-market at roughly US$20.00 per share. This transaction amounted to 3.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$121k. Insiders have been net sellers, collectively disposing of US$860k more than they bought in the last 12 months.New Risk • May 06New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$150k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.Recent Insider Transactions • May 05Independent Director recently sold US$121k worth of stockOn the 28th of April, Joseph Galli sold around 6k shares on-market at roughly US$20.13 per share. This transaction amounted to 4.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$831k more than they bought in the last 12 months.Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0 (down from US$0.21 in 1Q 2025). Revenue: US$9.65m (up 8.7% from 1Q 2025). Net income: US$1.09m (down 48% from 1Q 2025). Profit margin: 11% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.お知らせ • Apr 03BV Financial, Inc., Annual General Meeting, May 07, 2026BV Financial, Inc., Annual General Meeting, May 07, 2026. Location: 532 eastern boulevard, essex, maryland, United StatesRecent Insider Transactions Derivative • Feb 26Independent Director notifies of intention to sell stockJoseph Galli intends to sell 49k shares in the next 90 days after lodging an Intent To Sell Form on the 25th of February. If the sale is conducted around the recent share price of US$19.08, it would amount to US$932k. Since March 2025, Joseph's direct individual holding has decreased from 186.33k shares to 143.55k. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months.Reported Earnings • Jan 25Full year 2025 earnings released: EPS: US$1.44 (vs US$1.10 in FY 2024)Full year 2025 results: EPS: US$1.44 (up from US$1.10 in FY 2024). Revenue: US$42.1m (up 11% from FY 2024). Net income: US$13.5m (up 15% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.35% (up from 4.27% in FY 2024). Cost-to-income ratio: 58.5% (up from 57.0% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.お知らせ • Jan 23+ 1 more updateBV Financial, Inc. and BayVanguard Bank Announces Resignation of David M. Flair as Co-Chief Executive Officer, Effective January 22, 2026On January 22, 2026, BayVanguard Bank and its holding company BV Financial, Inc. entered into a Separation, Consulting and Release Agreement (the “Agreement”) with David M. Flair. Under the Agreement, Mr. Flair resigned from his roles as Co-President and Co-Chief Executive Officer and as a director of the Company and the Bank, effective January 22, 2026. Upon entering the Agreement, the employment agreement originally entered into by and among Mr. Flair, the Bank, the Company, and Bay-Vanguard, M.H.C. as of August 28, 2018, terminated in its entirety and became null and void.Recent Insider Transactions Derivative • Dec 18Co-President exercised options and sold US$89k worth of stockOn the 12th of December, David Flair exercised 21.43k options at around US$5.65, then sold 7k of the shares acquired at an average of US$19.11 per share and kept the remainder. For the year to December 2022, David's total compensation was 13% salary and 87% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since March 2025, David has owned 199.05k shares directly. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months.Buy Or Sell Opportunity • Nov 05Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 10% to US$16.84. The fair value is estimated to be US$13.99, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 5.5% over the last 3 years, while earnings per share has been flat.Reported Earnings • Oct 20Third quarter 2025 earnings released: EPS: US$0.41 (vs US$0.35 in 3Q 2024)Third quarter 2025 results: EPS: US$0.41. Revenue: US$11.0m (up 3.1% from 3Q 2024). Net income: US$3.73m (down 1.8% from 3Q 2024). Profit margin: 34% (down from 36% in 3Q 2024). The decrease in margin was driven by higher expenses.Buy Or Sell Opportunity • Sep 18Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 17% to US$16.72. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%.Buy Or Sell Opportunity • Aug 22Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 8.0% to US$16.90. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%.Recent Insider Transactions • Jul 27Independent Director recently sold US$461k worth of stockOn the 23rd of July, Joseph Galli sold around 29k shares on-market at roughly US$16.13 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$710k more than they bought in the last 12 months.Reported Earnings • Jul 21Second quarter 2025 earnings released: EPS: US$0.29 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.29 (down from US$0.32 in 2Q 2024). Revenue: US$9.69m (flat on 2Q 2024). Net income: US$2.86m (down 16% from 2Q 2024). Profit margin: 30% (down from 35% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.お知らせ • Jun 30+ 1 more updateBV Financial, Inc.(NasdaqCM:BVFL) dropped from Russell 3000E Growth IndexBV Financial, Inc.(NasdaqCM:BVFL) dropped from Russell 3000E Growth IndexRecent Insider Transactions Derivative • Jun 05Independent Director notifies of intention to sell stockJoseph Galli intends to sell 20k shares in the next 90 days after lodging an Intent To Sell Form on the 4th of June. If the sale is conducted around the recent share price of US$15.32, it would amount to US$310k. Since September 2024, Joseph's direct individual holding has decreased from 186.33k shares to 172.60k. Company insiders have collectively sold US$249k more than they bought, via options and on-market transactions in the last 12 months.Recent Insider Transactions • May 25Independent Director recently sold US$58k worth of stockOn the 22nd of May, Joseph Galli sold around 4k shares on-market at roughly US$15.80 per share. This transaction amounted to 2.1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$71k. Insiders have been net sellers, collectively disposing of US$215k more than they bought in the last 12 months.Recent Insider Transactions • May 15Independent Director recently sold US$71k worth of stockOn the 12th of May, Joseph Galli sold around 4k shares on-market at roughly US$15.92 per share. This transaction amounted to 2.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$100k more than they bought in the last 12 months.Recent Insider Transactions Derivative • May 04Independent Director notifies of intention to sell stockJoseph Galli intends to sell 15k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of May. If the sale is conducted around the recent share price of US$15.37, it would amount to US$226k. Since June 2024, Joseph's direct individual holding has increased from 171.63k shares to 186.33k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.お知らせ • Apr 25BV Financial, Inc., Annual General Meeting, May 08, 2025BV Financial, Inc., Annual General Meeting, May 08, 2025. Location: 532 eastern boulevard, essex, maryland, United StatesReported Earnings • Apr 21First quarter 2025 earnings released: EPS: US$0.21 (vs US$0.24 in 1Q 2024)First quarter 2025 results: EPS: US$0.21 (down from US$0.24 in 1Q 2024). Revenue: US$8.88m (up 4.1% from 1Q 2024). Net income: US$2.10m (down 19% from 1Q 2024). Profit margin: 24% (down from 30% in 1Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.Board Change • Feb 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 4 highly experienced directors. Independent Director P. Bramble was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Jan 28Full year 2024 earnings released: EPS: US$1.10 (vs US$1.47 in FY 2023)Full year 2024 results: EPS: US$1.10 (down from US$1.47 in FY 2023). Revenue: US$37.9m (flat on FY 2023). Net income: US$11.7m (down 14% from FY 2023). Profit margin: 31% (down from 36% in FY 2023). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 23Third quarter 2024 earnings released: EPS: US$0.35 (vs US$0.35 in 3Q 2023)Third quarter 2024 results: EPS: US$0.35 (up from US$0.35 in 3Q 2023). Revenue: US$10.7m (up 6.2% from 3Q 2023). Net income: US$3.80m (up 3.1% from 3Q 2023). Profit margin: 36% (down from 37% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.Reported Earnings • Jul 22Second quarter 2024 earnings released: EPS: US$0.32 (vs US$0.34 in 2Q 2023)Second quarter 2024 results: EPS: US$0.32 (down from US$0.34 in 2Q 2023). Revenue: US$9.62m (down 1.4% from 2Q 2023). Net income: US$3.40m (down 13% from 2Q 2023). Profit margin: 35% (down from 40% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.Reported Earnings • Apr 23First quarter 2024 earnings released: EPS: US$0.24 (vs US$0.28 in 1Q 2023)First quarter 2024 results: EPS: US$0.24 (down from US$0.28 in 1Q 2023). Revenue: US$8.52m (down 5.4% from 1Q 2023). Net income: US$2.57m (down 17% from 1Q 2023). Profit margin: 30% (down from 35% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.Reported Earnings • Mar 25Full year 2023 earnings released: EPS: US$1.47 (vs US$0.86 in FY 2022)Full year 2023 results: EPS: US$1.47 (up from US$0.86 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.23% (up from 3.91% in FY 2022). Cost-to-income ratio: 51.0% (down from 57.9% in FY 2022). Non-performing loans: 1.50% (up from 0.89% in FY 2022). Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.Buy Or Sell Opportunity • Feb 02Now 22% undervaluedOver the last 90 days, the stock has risen 32% to US$13.59. The fair value is estimated to be US$17.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 23% over the last 3 years. Earnings per share has grown by 23%.Reported Earnings • Jan 24Full year 2023 earnings released: EPS: US$1.47 (vs US$0.93 in FY 2022)Full year 2023 results: EPS: US$1.47 (up from US$0.93 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.35 (vs US$0.23 in 3Q 2022)Third quarter 2023 results: EPS: US$0.35 (up from US$0.23 in 3Q 2022). Revenue: US$10.1m (up 22% from 3Q 2022). Net income: US$3.68m (up 41% from 3Q 2022). Profit margin: 37% (up from 32% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 02Second quarter 2023 earnings released: EPS: US$0.52 (vs US$0.37 in 2Q 2022)Second quarter 2023 results: EPS: US$0.52 (up from US$0.37 in 2Q 2022). Revenue: US$9.76m (up 26% from 2Q 2022). Net income: US$3.90m (up 41% from 2Q 2022). Profit margin: 40% (up from 36% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.お知らせ • Aug 02BV Financial, Inc. has completed an IPO in the amount of $97.9898 million.BV Financial, Inc. has completed an IPO in the amount of $97.9898 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 9,798,980 Price\Range: $10 Transaction Features: Bank Conversion; ESOP Related Offering収支内訳BV Financial の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqCM:BVFL 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費31 Mar 26431222031 Dec 25421321030 Sep 25391121030 Jun 25381121031 Mar 25381120031 Dec 24381219030 Sep 24381318030 Jun 24371317031 Mar 24381317031 Dec 23381417030 Sep 23381316030 Jun 23361215031 Mar 23341115031 Dec 22331114030 Sep 22311023030 Jun 22301019031 Mar 2228916031 Dec 2127912030 Sep 212699030 Jun 212389031 Mar 2120109031 Dec 201689030 Sep 201266030 Jun 201166031 Mar 201026031 Dec 191126030 Sep 18600030 Jun 18604031 Mar 18604031 Dec 17604030 Sep 17610030 Jun 17614031 Mar 17504031 Dec 16504030 Sep 16504030 Jun 16504031 Mar 16614031 Dec 15614030 Sep 15614030 Jun 156140質の高い収益: BVFLは 高品質の収益 を持っています。利益率の向上: BVFLの現在の純利益率 (29.2%)は、昨年(29.4%)よりも低くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: BVFLの収益は過去 5 年間で年間6.8%増加しました。成長の加速: BVFLの過去 1 年間の収益成長率 ( 11% ) は、5 年間の平均 ( 年間6.8%を上回っています。収益対業界: BVFLの過去 1 年間の収益成長率 ( 11% ) Banks業界22.8%を上回りませんでした。株主資本利益率高いROE: BVFLの 自己資本利益率 ( 6.8% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 00:36終値2026/05/21 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋BV Financial, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0 (down from US$0.21 in 1Q 2025). Revenue: US$9.65m (up 8.7% from 1Q 2025). Net income: US$1.09m (down 48% from 1Q 2025). Profit margin: 11% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
Reported Earnings • Jan 25Full year 2025 earnings released: EPS: US$1.44 (vs US$1.10 in FY 2024)Full year 2025 results: EPS: US$1.44 (up from US$1.10 in FY 2024). Revenue: US$42.1m (up 11% from FY 2024). Net income: US$13.5m (up 15% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.35% (up from 4.27% in FY 2024). Cost-to-income ratio: 58.5% (up from 57.0% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 20Third quarter 2025 earnings released: EPS: US$0.41 (vs US$0.35 in 3Q 2024)Third quarter 2025 results: EPS: US$0.41. Revenue: US$11.0m (up 3.1% from 3Q 2024). Net income: US$3.73m (down 1.8% from 3Q 2024). Profit margin: 34% (down from 36% in 3Q 2024). The decrease in margin was driven by higher expenses.
Reported Earnings • Jul 21Second quarter 2025 earnings released: EPS: US$0.29 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.29 (down from US$0.32 in 2Q 2024). Revenue: US$9.69m (flat on 2Q 2024). Net income: US$2.86m (down 16% from 2Q 2024). Profit margin: 30% (down from 35% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Reported Earnings • Apr 21First quarter 2025 earnings released: EPS: US$0.21 (vs US$0.24 in 1Q 2024)First quarter 2025 results: EPS: US$0.21 (down from US$0.24 in 1Q 2024). Revenue: US$8.88m (up 4.1% from 1Q 2024). Net income: US$2.10m (down 19% from 1Q 2024). Profit margin: 24% (down from 30% in 1Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.
Reported Earnings • Jan 28Full year 2024 earnings released: EPS: US$1.10 (vs US$1.47 in FY 2023)Full year 2024 results: EPS: US$1.10 (down from US$1.47 in FY 2023). Revenue: US$37.9m (flat on FY 2023). Net income: US$11.7m (down 14% from FY 2023). Profit margin: 31% (down from 36% in FY 2023). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Recent Insider Transactions • May 12Independent Director recently sold US$100k worth of stockOn the 8th of May, Joseph Galli sold around 5k shares on-market at roughly US$20.00 per share. This transaction amounted to 3.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$121k. Insiders have been net sellers, collectively disposing of US$860k more than they bought in the last 12 months.
New Risk • May 06New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$150k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. This is currently the only risk that has been identified for the company.
Recent Insider Transactions • May 05Independent Director recently sold US$121k worth of stockOn the 28th of April, Joseph Galli sold around 6k shares on-market at roughly US$20.13 per share. This transaction amounted to 4.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$831k more than they bought in the last 12 months.
Reported Earnings • Apr 26First quarter 2026 earnings released: EPS: US$0 (vs US$0.21 in 1Q 2025)First quarter 2026 results: EPS: US$0 (down from US$0.21 in 1Q 2025). Revenue: US$9.65m (up 8.7% from 1Q 2025). Net income: US$1.09m (down 48% from 1Q 2025). Profit margin: 11% (down from 24% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
お知らせ • Apr 03BV Financial, Inc., Annual General Meeting, May 07, 2026BV Financial, Inc., Annual General Meeting, May 07, 2026. Location: 532 eastern boulevard, essex, maryland, United States
Recent Insider Transactions Derivative • Feb 26Independent Director notifies of intention to sell stockJoseph Galli intends to sell 49k shares in the next 90 days after lodging an Intent To Sell Form on the 25th of February. If the sale is conducted around the recent share price of US$19.08, it would amount to US$932k. Since March 2025, Joseph's direct individual holding has decreased from 186.33k shares to 143.55k. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months.
Reported Earnings • Jan 25Full year 2025 earnings released: EPS: US$1.44 (vs US$1.10 in FY 2024)Full year 2025 results: EPS: US$1.44 (up from US$1.10 in FY 2024). Revenue: US$42.1m (up 11% from FY 2024). Net income: US$13.5m (up 15% from FY 2024). Profit margin: 32% (up from 31% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.35% (up from 4.27% in FY 2024). Cost-to-income ratio: 58.5% (up from 57.0% in FY 2024). Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.
お知らせ • Jan 23+ 1 more updateBV Financial, Inc. and BayVanguard Bank Announces Resignation of David M. Flair as Co-Chief Executive Officer, Effective January 22, 2026On January 22, 2026, BayVanguard Bank and its holding company BV Financial, Inc. entered into a Separation, Consulting and Release Agreement (the “Agreement”) with David M. Flair. Under the Agreement, Mr. Flair resigned from his roles as Co-President and Co-Chief Executive Officer and as a director of the Company and the Bank, effective January 22, 2026. Upon entering the Agreement, the employment agreement originally entered into by and among Mr. Flair, the Bank, the Company, and Bay-Vanguard, M.H.C. as of August 28, 2018, terminated in its entirety and became null and void.
Recent Insider Transactions Derivative • Dec 18Co-President exercised options and sold US$89k worth of stockOn the 12th of December, David Flair exercised 21.43k options at around US$5.65, then sold 7k of the shares acquired at an average of US$19.11 per share and kept the remainder. For the year to December 2022, David's total compensation was 13% salary and 87% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since March 2025, David has owned 199.05k shares directly. Company insiders have collectively sold US$719k more than they bought, via options and on-market transactions in the last 12 months.
Buy Or Sell Opportunity • Nov 05Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 10% to US$16.84. The fair value is estimated to be US$13.99, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 5.5% over the last 3 years, while earnings per share has been flat.
Reported Earnings • Oct 20Third quarter 2025 earnings released: EPS: US$0.41 (vs US$0.35 in 3Q 2024)Third quarter 2025 results: EPS: US$0.41. Revenue: US$11.0m (up 3.1% from 3Q 2024). Net income: US$3.73m (down 1.8% from 3Q 2024). Profit margin: 34% (down from 36% in 3Q 2024). The decrease in margin was driven by higher expenses.
Buy Or Sell Opportunity • Sep 18Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 17% to US$16.72. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%.
Buy Or Sell Opportunity • Aug 22Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 8.0% to US$16.90. The fair value is estimated to be US$13.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 7.2% over the last 3 years. Earnings per share has grown by 2.8%.
Recent Insider Transactions • Jul 27Independent Director recently sold US$461k worth of stockOn the 23rd of July, Joseph Galli sold around 29k shares on-market at roughly US$16.13 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$710k more than they bought in the last 12 months.
Reported Earnings • Jul 21Second quarter 2025 earnings released: EPS: US$0.29 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.29 (down from US$0.32 in 2Q 2024). Revenue: US$9.69m (flat on 2Q 2024). Net income: US$2.86m (down 16% from 2Q 2024). Profit margin: 30% (down from 35% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
お知らせ • Jun 30+ 1 more updateBV Financial, Inc.(NasdaqCM:BVFL) dropped from Russell 3000E Growth IndexBV Financial, Inc.(NasdaqCM:BVFL) dropped from Russell 3000E Growth Index
Recent Insider Transactions Derivative • Jun 05Independent Director notifies of intention to sell stockJoseph Galli intends to sell 20k shares in the next 90 days after lodging an Intent To Sell Form on the 4th of June. If the sale is conducted around the recent share price of US$15.32, it would amount to US$310k. Since September 2024, Joseph's direct individual holding has decreased from 186.33k shares to 172.60k. Company insiders have collectively sold US$249k more than they bought, via options and on-market transactions in the last 12 months.
Recent Insider Transactions • May 25Independent Director recently sold US$58k worth of stockOn the 22nd of May, Joseph Galli sold around 4k shares on-market at roughly US$15.80 per share. This transaction amounted to 2.1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$71k. Insiders have been net sellers, collectively disposing of US$215k more than they bought in the last 12 months.
Recent Insider Transactions • May 15Independent Director recently sold US$71k worth of stockOn the 12th of May, Joseph Galli sold around 4k shares on-market at roughly US$15.92 per share. This transaction amounted to 2.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$100k more than they bought in the last 12 months.
Recent Insider Transactions Derivative • May 04Independent Director notifies of intention to sell stockJoseph Galli intends to sell 15k shares in the next 90 days after lodging an Intent To Sell Form on the 2nd of May. If the sale is conducted around the recent share price of US$15.37, it would amount to US$226k. Since June 2024, Joseph's direct individual holding has increased from 171.63k shares to 186.33k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
お知らせ • Apr 25BV Financial, Inc., Annual General Meeting, May 08, 2025BV Financial, Inc., Annual General Meeting, May 08, 2025. Location: 532 eastern boulevard, essex, maryland, United States
Reported Earnings • Apr 21First quarter 2025 earnings released: EPS: US$0.21 (vs US$0.24 in 1Q 2024)First quarter 2025 results: EPS: US$0.21 (down from US$0.24 in 1Q 2024). Revenue: US$8.88m (up 4.1% from 1Q 2024). Net income: US$2.10m (down 19% from 1Q 2024). Profit margin: 24% (down from 30% in 1Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.
Board Change • Feb 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 4 highly experienced directors. Independent Director P. Bramble was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Jan 28Full year 2024 earnings released: EPS: US$1.10 (vs US$1.47 in FY 2023)Full year 2024 results: EPS: US$1.10 (down from US$1.47 in FY 2023). Revenue: US$37.9m (flat on FY 2023). Net income: US$11.7m (down 14% from FY 2023). Profit margin: 31% (down from 36% in FY 2023). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 23Third quarter 2024 earnings released: EPS: US$0.35 (vs US$0.35 in 3Q 2023)Third quarter 2024 results: EPS: US$0.35 (up from US$0.35 in 3Q 2023). Revenue: US$10.7m (up 6.2% from 3Q 2023). Net income: US$3.80m (up 3.1% from 3Q 2023). Profit margin: 36% (down from 37% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Reported Earnings • Jul 22Second quarter 2024 earnings released: EPS: US$0.32 (vs US$0.34 in 2Q 2023)Second quarter 2024 results: EPS: US$0.32 (down from US$0.34 in 2Q 2023). Revenue: US$9.62m (down 1.4% from 2Q 2023). Net income: US$3.40m (down 13% from 2Q 2023). Profit margin: 35% (down from 40% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
Reported Earnings • Apr 23First quarter 2024 earnings released: EPS: US$0.24 (vs US$0.28 in 1Q 2023)First quarter 2024 results: EPS: US$0.24 (down from US$0.28 in 1Q 2023). Revenue: US$8.52m (down 5.4% from 1Q 2023). Net income: US$2.57m (down 17% from 1Q 2023). Profit margin: 30% (down from 35% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings.
Reported Earnings • Mar 25Full year 2023 earnings released: EPS: US$1.47 (vs US$0.86 in FY 2022)Full year 2023 results: EPS: US$1.47 (up from US$0.86 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.23% (up from 3.91% in FY 2022). Cost-to-income ratio: 51.0% (down from 57.9% in FY 2022). Non-performing loans: 1.50% (up from 0.89% in FY 2022). Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.
Buy Or Sell Opportunity • Feb 02Now 22% undervaluedOver the last 90 days, the stock has risen 32% to US$13.59. The fair value is estimated to be US$17.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 23% over the last 3 years. Earnings per share has grown by 23%.
Reported Earnings • Jan 24Full year 2023 earnings released: EPS: US$1.47 (vs US$0.93 in FY 2022)Full year 2023 results: EPS: US$1.47 (up from US$0.93 in FY 2022). Revenue: US$38.0m (up 14% from FY 2022). Net income: US$13.7m (up 30% from FY 2022). Profit margin: 36% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.35 (vs US$0.23 in 3Q 2022)Third quarter 2023 results: EPS: US$0.35 (up from US$0.23 in 3Q 2022). Revenue: US$10.1m (up 22% from 3Q 2022). Net income: US$3.68m (up 41% from 3Q 2022). Profit margin: 37% (up from 32% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 14% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 02Second quarter 2023 earnings released: EPS: US$0.52 (vs US$0.37 in 2Q 2022)Second quarter 2023 results: EPS: US$0.52 (up from US$0.37 in 2Q 2022). Revenue: US$9.76m (up 26% from 2Q 2022). Net income: US$3.90m (up 41% from 2Q 2022). Profit margin: 40% (up from 36% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
お知らせ • Aug 02BV Financial, Inc. has completed an IPO in the amount of $97.9898 million.BV Financial, Inc. has completed an IPO in the amount of $97.9898 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 9,798,980 Price\Range: $10 Transaction Features: Bank Conversion; ESOP Related Offering