View Future GrowthBV Financial 과거 순이익 실적과거 기준 점검 3/6BV Financial은 연평균 6.8%의 비율로 수입이 증가해 온 반면, Banks 산업은 수입이 3.1% 증가했습니다. 매출은 연평균 10.9%의 비율로 증가했습니다. BV Financial의 자기자본이익률은 6.8%이고 순이익률은 29.2%입니다.핵심 정보6.79%순이익 성장률10.54%주당순이익(EPS) 성장률Banks 산업 성장률11.18%매출 성장률10.94%자기자본이익률6.80%순이익률29.16%최근 순이익 업데이트31 Mar 2026최근 과거 실적 업데이트Reported 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.모든 업데이트 보기Recent updatesRecent Insider Transactions • 11hIndependent Director recently sold US$61k worth of stockOn the 5th of June, Joseph Galli sold around 3k shares on-market at roughly US$19.93 per share. This transaction amounted to 2.6% 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$899k more than they bought in the last 12 months.공시 • Jun 02BV Financial, Inc. Announces Board AppointmentsBV Financial, Inc. announced that its Board of Directors elected Timothy L. Prindle as Chairman of the Board of the Company. This role will be in addition to his current roles as President and Chief Executive Officer of the Company. Mr. Prindle was elected Chairman because of his extensive knowledge of the Company and its markets, his leadership qualities, and his understanding and ability to oversee the implementation of the Company’s strategy. The Chairman is also responsible for developing the agendas of Board meetings in consultation with the Lead Independent Director (described below) and represents the Board in the community. Mr. Prindle’s leadership, strategic vision and service to the Company through a period of strong performance contributed to the decision by the Board that a combined Chairman and CEO role, with Mr. Prindle serving in such role, is in the best interests of the Company and its stockholders. The Board also recognizes the need for strong independent perspectives. Therefore, when the Chairman and CEO roles are combined, the Board expects that a Lead Independent Director will be appointed by the independent directors. Accordingly, the independent directors elected William B. Crompton, III as Lead Independent Director of the Company concurrent with Mr. Prindle’s election as Chairman. The Lead Independent Director is an independent director designated by the Board to lead the Board in fulfilling its duties effectively, efficiently, and independently of management. The Lead Independent Director collaborates with the Chairman and the independent directors, meets with the independent directors without management present, and provides input on and reviews the meeting agendas.Recent Insider Transactions Derivative • May 27Independent Director notifies of intention to sell stockJoseph Galli intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 26th of May. If the sale is conducted around the recent share price of US$19.62, it would amount to US$190k. Since June 2025, Joseph's direct individual holding has decreased from 172.10k shares to 123.58k. Company insiders have collectively sold US$858k more than they bought, via options and on-market transactions in the last 12 months.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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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 Offering매출 및 비용 세부 내역BV Financial가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이NasdaqCM:BVFL 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비31 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 156140양질의 수익: BVFL는 고품질 수익을 보유하고 있습니다.이익 마진 증가: BVFL의 현재 순 이익률 (29.2%)은 지난해 (29.4%)보다 낮습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: BVFL의 수익은 지난 5년 동안 연평균 6.8% 증가했습니다.성장 가속화: 지난 1년간 BVFL 의 수익 증가율(11%)은 연간 평균(6.8%)을 초과합니다.수익 대 산업: BVFL의 지난 1년 수익 증가율(11%)은 Banks 업계 평균(22.8%)을 능가하지 못했습니다.자기자본이익률높은 ROE: BVFL의 자본 수익률(6.8%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/06/09 09:23종가2026/06/09 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스BV Financial, Inc.는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
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 • 11hIndependent Director recently sold US$61k worth of stockOn the 5th of June, Joseph Galli sold around 3k shares on-market at roughly US$19.93 per share. This transaction amounted to 2.6% 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$899k more than they bought in the last 12 months.
공시 • Jun 02BV Financial, Inc. Announces Board AppointmentsBV Financial, Inc. announced that its Board of Directors elected Timothy L. Prindle as Chairman of the Board of the Company. This role will be in addition to his current roles as President and Chief Executive Officer of the Company. Mr. Prindle was elected Chairman because of his extensive knowledge of the Company and its markets, his leadership qualities, and his understanding and ability to oversee the implementation of the Company’s strategy. The Chairman is also responsible for developing the agendas of Board meetings in consultation with the Lead Independent Director (described below) and represents the Board in the community. Mr. Prindle’s leadership, strategic vision and service to the Company through a period of strong performance contributed to the decision by the Board that a combined Chairman and CEO role, with Mr. Prindle serving in such role, is in the best interests of the Company and its stockholders. The Board also recognizes the need for strong independent perspectives. Therefore, when the Chairman and CEO roles are combined, the Board expects that a Lead Independent Director will be appointed by the independent directors. Accordingly, the independent directors elected William B. Crompton, III as Lead Independent Director of the Company concurrent with Mr. Prindle’s election as Chairman. The Lead Independent Director is an independent director designated by the Board to lead the Board in fulfilling its duties effectively, efficiently, and independently of management. The Lead Independent Director collaborates with the Chairman and the independent directors, meets with the independent directors without management present, and provides input on and reviews the meeting agendas.
Recent Insider Transactions Derivative • May 27Independent Director notifies of intention to sell stockJoseph Galli intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 26th of May. If the sale is conducted around the recent share price of US$19.62, it would amount to US$190k. Since June 2025, Joseph's direct individual holding has decreased from 172.10k shares to 123.58k. Company insiders have collectively sold US$858k more than they bought, via options and on-market transactions in the last 12 months.
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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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