BVFL Stock Overview

Operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. More details

BVFL fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 25.4% below our estimate of its fair value

Risk Analysis

No risks detected for BVFL from our risk checks.

My Notes

Capture your thoughts, links and company narrative

BV Financial, Inc. Competitors

CoastalSouth Bancshares

OTCPK:COSO

US$224.9m

United Security Bancshares

NasdaqGS:UBFO

US$175.0m

Truxton

OTCPK:TRUX

US$211.6m

United Bancorporation of Alabama

OTCPK:UBAB

US$202.4m

Price History & Performance

Summary of share price highs, lows and changes for BV Financial
Historical stock prices
Current Share Price	US$17.09
52 Week High	US$18.19
52 Week Low	US$10.14
Beta	0.63
1 Month Change	1.06%
3 Month Change	11.63%
1 Year Change	22.16%
3 Year Change	-14.98%
5 Year Change	1.12%
Change since IPO	80.85%

Recent updates

Shareholder Returns

	BVFL	US Banks	US Market
7D	-1.7%	-1.7%	-2.8%
1Y	22.2%	28.6%	24.1%

Return vs Industry: BVFL underperformed the US Banks industry which returned 28.9% over the past year.

Return vs Market: BVFL underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is BVFL's price volatile compared to industry and market?
BVFL volatility
BVFL Average Weekly Movement	2.1%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: BVFL has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BVFL's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1873	112	David Flair	www.bayvanguard.com

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking 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; 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.

BV Financial, Inc. Fundamentals Summary

How do BV Financial's earnings and revenue compare to its market cap?
BVFL fundamental statistics
Market cap	US$195.76m
Earnings (TTM)	US$12.78m
Revenue (TTM)	US$38.03m

15.2x

P/E Ratio

0.9x

P/B Ratio

Is BVFL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BVFL income statement (TTM)
Revenue	US$38.03m
Cost of Revenue	US$0
Gross Profit	US$38.03m
Other Expenses	US$25.25m
Earnings	US$12.78m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.12
Gross Margin	100.00%
Net Profit Margin	33.61%
Debt/Equity Ratio	16.6%

How did BVFL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 05:58
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

BV Financial, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution