BV Financial, Inc. operates as the holding company for BayVanguard Bank, a savings bank that provides various financial services to individuals and businesses in Maryland.
Flawless balance sheet with poor track record.
Share Price & News
How has BV Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BVFL has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BVFL exceeded the US Mortgage industry which returned 5.1% over the past year.
Return vs Market: BVFL underperformed the US Market which returned 20.3% over the past year.
Price Volatility Vs. Market
How volatile is BV Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is BV Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate BVFL's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate BVFL's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: BVFL is poor value based on its PE Ratio (601.5x) compared to the Mortgage industry average (13.7x).
PE vs Market: BVFL is poor value based on its PE Ratio (601.5x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BVFL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BVFL is overvalued based on its PB Ratio (2.4x) compared to the US Mortgage industry average (1.1x).
How is BV Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as BV Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine BV Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access BV Financial's filings and announcements here.
- Explore growth companies in the Banks industry.
How has BV Financial performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: BVFL has high quality earnings.
Growing Profit Margin: BVFL's current net profit margins (1.3%) are lower than last year (10.9%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if BVFL's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: BVFL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BVFL had negative earnings growth (-87.3%) over the past year, making it difficult to compare to the Mortgage industry average (11.3%).
Return on Equity
High ROE: BVFL's Return on Equity (0.4%) is considered low.
Return on Assets
Return on Capital Employed
How is BV Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: BVFL has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if BVFL's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: BVFL's level of assets compared to its equity is low.
Allowance for Bad Loans: BVFL has a sufficient allowance for bad loans.
Low Risk Liabilities: BVFL's liabilities are made up of primarily low risk sources of funding.
Loan Level: BVFL has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BVFL's loans are broadly funded by customer deposits.
Level of Bad Loans: BVFL has an appropriate level of bad loans (0.81%)
What is BV Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: BVFL's dividend (1.24%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: BVFL's dividend (1.24%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stability and Growth of Payments
Stable Dividend: BVFL's dividend payments have been volatile in the past 10 years.
Growing Dividend: BVFL's dividend payments have not increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
David Flair (55yo)
Mr. David M. Flair has been Co-Chief Executive Officer and Co-President of Bay-Vanguard, M.H.C., BayVanguard Bank (MHC) and BV Financial, Inc. since February 28, 2019. Mr. Flair served as Chief Executive O ...
|Chairman of the Board||15.1yrs||US$265.97k||0.064% $72.5k|
|Corporate Secretary & Director||46.1yrs||US$13.94k||0.10% $116.2k|
|Co-President||1yrs||no data||0.22% $255.1k|
|Co-President||1.1yrs||no data||no data|
|Independent Director||51.1yrs||US$253.00k||0.41% $472.7k|
|Independent Director||33.1yrs||US$13.85k||0.045% $51.8k|
|Independent Director||7.3yrs||no data||0.014% $16.1k|
|Independent Director||8.3yrs||no data||0.014% $16.1k|
|Independent Director||3.3yrs||no data||0.014% $16.1k|
|Independent Director||5.3yrs||no data||0.014% $16.1k|
Experienced Board: BVFL's board of directors are considered experienced (7.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 9.7%.
BV Financial, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: BV Financial, Inc.
- Ticker: BVFL
- Exchange: OTCPK
- Founded: 1873
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$114.215m
- Shares outstanding: 7.10m
- Website: https://www.bayvanguard.com
- BV Financial, Inc.
- 7114 North Point Road
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BVFL||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jan 2005|
BV Financial, Inc. operates as the holding company for BayVanguard Bank, a 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, education savings, Christmas club savings, and statement savings accounts, as well as certificates of deposit. The company also provides personal loans products, including real estate, auto, boat, lot, home equity loan of credit, construction, and other personal loans; and commercial loans, such as commercial equipment/installation loans, commercial real estate, construction, investment real estate, lines of credit, SBA loans, and short term loans. In addition, it offers one-to-four family real estate, mobile home, marine, farm, and multi-family loans; and holds real estate and other assets, as well as 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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/20 00:51|
|End of Day Share Price||2020/02/13 00:00|
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.