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BV Financial

OTCPK:BVFL
Snowflake Description

Flawless balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BVFL
OTCPK
$99M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

BV Financial, Inc. operates as the holding company for Bay-Vanguard Federal Savings Bank that provides various financial services to individuals and businesses in Maryland. The last earnings update was 243 days ago. More info.


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BVFL Share Price and Events
7 Day Returns
0%
OTCPK:BVFL
-1.3%
US Mortgage
1.4%
US Market
1 Year Returns
27.3%
OTCPK:BVFL
-0.7%
US Mortgage
4.9%
US Market
BVFL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
BV Financial (BVFL) 0% -5.1% -3.4% 27.3% 115.4% 110.5%
US Mortgage -1.3% -0.7% 2.5% -0.7% 40.3% 34.7%
US Market 1.4% 3.8% 3.5% 4.9% 44.8% 40.1%
1 Year Return vs Industry and Market
  • BVFL outperformed the Mortgage industry which returned -0.7% over the past year.
  • BVFL outperformed the Market in United States of America which returned 4.9% over the past year.
Price Volatility
BVFL
Industry
5yr Volatility vs Market

BVFL Value

 Is BV Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for BV Financial. This is due to cash flow or dividend data being unavailable. The share price is $14.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for BV Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are BV Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:BVFL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in USD $0.03
OTCPK:BVFL Share Price ** OTCPK (2019-06-25) in USD $14
United States of America Mortgage Industry PE Ratio Median Figure of 130 Publicly-Listed Mortgage Companies 13.96x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.73x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of BV Financial.

OTCPK:BVFL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:BVFL Share Price ÷ EPS (both in USD)

= 14 ÷ 0.03

523.34x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BV Financial is overvalued based on earnings compared to the US Mortgage industry average.
  • BV Financial is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does BV Financial's expected growth come at a high price?
Raw Data
OTCPK:BVFL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 523.34x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
38.3%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 50 Publicly-Listed Mortgage Companies 1.33x
United States of America Market PEG Ratio Median Figure of 2,133 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for BV Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on BV Financial's assets?
Raw Data
OTCPK:BVFL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in USD $6.68
OTCPK:BVFL Share Price * OTCPK (2019-06-25) in USD $14
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.11x
United States of America Market PB Ratio Median Figure of 5,255 Publicly-Listed Companies 1.79x
OTCPK:BVFL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:BVFL Share Price ÷ Book Value per Share (both in USD)

= 14 ÷ 6.68

2.09x

* Primary Listing of BV Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • BV Financial is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess BV Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. BV Financial has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BVFL Future Performance

 How is BV Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover BV Financial, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
38.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is BV Financial expected to grow at an attractive rate?
  • BV Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • BV Financial's earnings growth is expected to exceed the United States of America market average.
  • Unable to compare BV Financial's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:BVFL Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:BVFL Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 38.3%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.7%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 6%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:BVFL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:BVFL Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-09-30 6 0
2018-06-30 6 2 0
2018-03-31 6 0
2017-12-31 6 0
2017-09-30 6 1
2017-06-30 6 2 1
2017-03-31 5 0
2016-12-31 5 0
2016-09-30 5 0
2016-06-30 5 1 0
2016-03-31 6 1
2015-12-31 6 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • BV Financial's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if BV Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:BVFL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from BV Financial Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BVFL Past Financials Data
Date (Data in USD Millions) EPS *
2018-09-30 0.03
2018-06-30 0.03
2018-03-31 0.04
2017-12-31 0.06
2017-09-30 0.23
2017-06-30 0.22
2017-03-31 -0.04
2016-12-31 -0.07
2016-09-30 -0.04
2016-06-30 -0.04
2016-03-31 0.18
2015-12-31 0.22

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if BV Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess BV Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
BV Financial has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BVFL Past Performance

  How has BV Financial performed over the past 5 years?

  • BV Financial's last earnings update was 243 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare BV Financial's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • BV Financial's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • BV Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • BV Financial's 1-year earnings growth is negative, it can't be compared to the US Mortgage industry average.
Earnings and Revenue History
BV Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from BV Financial Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BVFL Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 6.35 0.08
2018-06-30 6.29 0.09 4.32
2018-03-31 6.12 0.11 4.14
2017-12-31 6.09 0.19 4.14
2017-09-30 6.06 0.66
2017-06-30 6.06 0.65 4.14
2017-03-31 5.00 -0.11 4.18
2016-12-31 4.92 -0.22 4.18
2016-09-30 4.99 -0.13 4.18
2016-06-30 5.07 -0.12 4.18
2016-03-31 5.91 0.55 3.94
2015-12-31 6.00 0.64 3.94
2015-09-30 6.14 0.66 3.94
2015-06-30 6.35 0.71 3.94
2015-03-31 6.42 0.76 4.09
2014-12-31 6.56 0.80 4.09
2014-09-30 6.56 0.81 4.09
2014-06-30 6.22 0.69 4.09
2014-03-31 6.29 0.72 3.33
2013-12-31 5.95 0.65 3.33
2013-09-30 5.58 0.59 3.33
2013-06-30 5.21 0.49 3.33
2013-03-31 4.82 0.25
2012-12-31 5.40 0.91
2012-09-30 5.28 0.87
2012-06-30 5.42 1.07 3.01

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • BV Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • BV Financial used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if BV Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess BV Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
BV Financial has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BVFL Health

 How is BV Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of BV Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from BV Financial Company Filings, last reported 8 months ago.

OTCPK:BVFL Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 21.79 3.00
2018-06-30 21.65 3.00 10.47
2018-03-31 21.51 3.02
2017-12-31 21.44 3.03
2017-09-30 21.80 3.04
2017-06-30 21.62 3.06 10.08
2017-03-31 21.40 3.07
2016-12-31 21.18 3.08
2016-09-30 21.16 3.10
2016-06-30 20.98 3.11 13.14
2016-03-31
2015-12-31 21.46 3.14
2015-09-30 21.24 3.15
2015-06-30 21.06 3.16 14.95
2015-03-31 20.79 3.19
2014-12-31 20.79 3.19
2014-09-30 20.53 3.20
2014-06-30 20.29 3.22 15.24
2014-03-31
2013-12-31 19.65 4.75
2013-09-30 19.65 4.75
2013-06-30 19.51 3.27 18.09
2013-03-31
2012-12-31
2012-09-30
2012-06-30 15.83 0.00 15.29
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • BV Financial has an acceptable proportion of non-loan assets held.
  • BV Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at BV Financial are broadly funded by customer deposits.
  • BV Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • BV Financial has a sufficient allowance for bad loans.
  • BV Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess BV Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. BV Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BVFL Dividends

 What is BV Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.43%
Current annual income from BV Financial dividends.
If you bought $2,000 of BV Financial shares you are expected to receive $29 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • BV Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • BV Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.73%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:BVFL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2012 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:BVFL Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-12-27 0.200 1.374
2018-07-27 0.200 1.539
2012-11-12 0.000 0.000
2012-08-24 0.000 0.000
2011-11-18 0.000 0.000
2011-04-27 0.000 0.000
2011-02-04 0.000 0.000
2010-11-15 0.000 0.000
2010-04-22 0.000 0.000
2010-02-22 0.200 5.113
2009-11-23 0.200 7.048
2009-08-25 0.200 6.674

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • No dividend growth in 10 years.
Current Payout to shareholders
What portion of BV Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as BV Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess BV Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can BV Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. BV Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BVFL Management

 What is the CEO of BV Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
David Flair
AGE 54
TENURE AS CEO 5.7 years
CEO Bio

Mr. David M. Flair has been Chief Executive Officer of BV Financial, Inc. ("Company") and since October 2013 and has been President of the Company and BayVanguard Bank (MHC) ("Bank") in November 2014. Mr. Flair serves as Director at BV Financial, Inc. (MHC). Mr. Flair served as Chief Financial Officer of the Company and Bank from February 2012 to May 2014. Mr. Flair served as the Chief Financial Officer of Advance Bank in Baltimore, Maryland, beginning in December 2006 and was also appointed as a Director and named the Acting Chief Executive Officer of Advance Bank before his departure in February 2012. Mr. Flair is a Certified Public Accountant and was a Partner with Anderson Associates LLP and Beard Miller Company LLP for almost twenty years before joining Advance Bank.

CEO Compensation
  • Insufficient data for David to compare compensation growth.
  • Insufficient data for David to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team

Edmund Leonard

TITLE
Chairman of the Board
COMPENSATION
$266K
AGE
74

Robert Kern

TITLE
Corporate Secretary & Director
COMPENSATION
$14K
AGE
69

David Flair

TITLE
President
AGE
54
TENURE
5.7 yrs

Mike Dee

TITLE
Senior VP & CFO
AGE
58

Jeffrey Collier

TITLE
Senior Vice President of Lending - Bay-Vanguard Federal Savings Bank
AGE
56

Claudia Kraft

TITLE
VP & Controller of Bay-Vanguard Federal Savings Bank

Christine Barton

TITLE
Senior Vice President of Compliance - Bay-Vanguard Federal Savings Bank
Board of Directors Tenure

Average tenure and age of the BV Financial board of directors in years:

7.1
Average Tenure
58.5
Average Age
  • The tenure for the BV Financial board of directors is about average.
Board of Directors

Edmund Leonard

TITLE
Chairman of the Board
COMPENSATION
$266K
AGE
74
TENURE
14.4 yrs

Robert Kern

TITLE
Corporate Secretary & Director
COMPENSATION
$14K
AGE
69
TENURE
45.4 yrs

David Flair

TITLE
President
AGE
54
TENURE
6.6 yrs

William Baldwin

TITLE
Director
AGE
56
TENURE
6.6 yrs

Carolyn Mroz

TITLE
Director
COMPENSATION
$253K
AGE
72
TENURE
50.4 yrs

Brian McHale

TITLE
Director
COMPENSATION
$14K
AGE
63
TENURE
32.4 yrs

George Philippou

TITLE
Director
AGE
50
TENURE
7.6 yrs

Steven Lang

TITLE
Director
AGE
52
TENURE
2.6 yrs

Veronica Koch

TITLE
Director
AGE
61
TENURE
4.6 yrs

Joseph Galli

TITLE
Director
AGE
55
TENURE
3.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess BV Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. BV Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BVFL News

Simply Wall St News

BVFL Company Info

Description

BV Financial, Inc. operates as the holding company for Bay-Vanguard Federal Savings Bank that provides various financial services to individuals and businesses in Maryland. It offers savings, interest checking, money market, personal and business checking, non-interest checking, business checking, education savings, small business checking, business checking, Christmas Club, IRA statement savings, and statement savings accounts, as well as certificates of deposit and IRA certificates of deposit. The company’s loan portfolio comprises one-to four-family real estate, mobile home, marine, farm, construction, multi-family, commercial real estate, and consumer loans, as well as mortgage, home equity, and auto loans. It also holds real estate and other assets; and provides online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. is a subsidiary of Bay-Vanguard, M.H.C.

Details
Name: BV Financial, Inc.
BVFL
Exchange: OTCPK
Founded: 1873
$99,303,176
7,093,084
Website: http://www.bayvanguard.com
Address: BV Financial, Inc.
7114 North Point Road,
Baltimore,
Maryland, 21219,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK BVFL Common Stock Pink Sheets LLC US USD 18. Jan 2005
Number of employees
Current staff
Staff numbers
0
BV Financial employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/25 23:58
End of day share price update: 2019/06/25 00:00
Last earnings filing: 2018/10/25
Last earnings reported: 2018/09/30
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.