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BV Financial Past Earnings Performance

Past criteria checks 4/6

BV Financial has been growing earnings at an average annual rate of 34.8%, while the Banks industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 31.7% per year. BV Financial's return on equity is 11.8%, and it has net margins of 34.4%.

Key information

34.8%

Earnings growth rate

32.2%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	31.7%
Return on equity	11.8%
Net Margin	34.4%
Last Earnings Update	30 Jun 2023

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How BV Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BVFL Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 23	36	12	15
31 Mar 23	34	11	15
31 Dec 22	33	11	14
30 Sep 22	31	10	14
30 Jun 22	29	10	14
31 Mar 22	28	9	16
31 Dec 21	27	9	12
30 Sep 21	26	9	9
30 Jun 21	23	8	9
31 Mar 21	20	10	9
31 Dec 20	16	8	9
30 Sep 20	12	6	6
30 Jun 20	11	6	6
31 Mar 20	10	2	6
31 Dec 19	11	2	6
30 Sep 18	6	0	0
30 Jun 18	6	0	4
31 Mar 18	6	0	4
31 Dec 17	6	0	4
30 Sep 17	6	1	0
30 Jun 17	6	1	4
31 Mar 17	5	0	4
31 Dec 16	5	0	4
30 Sep 16	5	0	4
30 Jun 16	5	0	4
31 Mar 16	6	1	4
31 Dec 15	6	1	4
30 Sep 15	6	1	4
30 Jun 15	6	1	4
31 Mar 15	6	1	4
31 Dec 14	7	1	4
30 Sep 14	7	1	4
30 Jun 14	6	1	4
31 Mar 14	6	1	3
31 Dec 13	6	1	3
30 Sep 13	6	1	3
30 Jun 13	5	0	3
31 Mar 13	5	0	0
31 Dec 12	5	1	0
30 Sep 12	5	1	0

Quality Earnings: BVFL has high quality earnings.

Growing Profit Margin: BVFL's current net profit margins (34.4%) are higher than last year (34.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BVFL's earnings have grown significantly by 34.8% per year over the past 5 years.

Accelerating Growth: BVFL's earnings growth over the past year (23.6%) is below its 5-year average (34.8% per year).

Earnings vs Industry: BVFL earnings growth over the past year (23.6%) exceeded the Banks industry 5.1%.

Return on Equity

High ROE: BVFL's Return on Equity (11.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/07/31 06:10
End of Day Share Price	2023/07/31 00:00
Earnings	2023/06/30
Annual Earnings	2022/12/31

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. 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