YOLFTbeta
BV Financial, Inc. Common Stock

BV Financial, Inc. Common Stock

BVFL · NASDAQ · Financial Services / Banks - Regional

21.11USD+0.06 (+0.29%)

Price History

Full chart

Market Stats

Previous Close21.05
Open20.96
Day Range20.96 – 21.38
52-Week Range14.60 – 22.17
Volume2.90K
Market Cap176.78M
P/E (TTM)14.10
Forward P/E0.00
EPS1.48
Dividend Yield0.00%
Beta0.07
50-Day Avg21.22
200-Day Avg19.95

About

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts 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; personal credit cards; 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. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Timothy L. Prindle
  • Employees99
  • Headquarters7114 North Point Road, Baltimore, MD, United States, 21219, USA
  • Websitehttps://www.bayvanguard.com

Leadership

  • Mr. Timothy L. PrindlePresident, CEO & Chairman · b. 1986
  • Mr. Michael J. DeeExecutive VP & CFO · b. 1960
  • Mr. Gregory J. OlindeEVP, Chief Lending & Retail Banking Officer and Delmarva Market President · b. 1968
  • Ms. Rose M. SearcyExecutive Vice President of Human Resources · b. 1974
  • Samantha M. PeroutyCorporate Secretary

Financials

Income Statement

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.06M5.04M3.67M5.91M7.47M7.93M9.15M8.58M6.82M6.64M7.96M7.47M7.26M7.30M7.18M12.65M19.88M31.75M38.77M46.99M49.20M52.44M
Growth (%)--0.38%-27.31%+61.15%+26.50%+6.09%+15.44%-6.21%-20.58%-2.57%+19.79%-6.10%-2.82%+0.55%-1.66%+76.29%+57.10%+59.70%+22.11%+21.20%+4.70%+6.59%
Cost of Revenue5.06M1.93M-2.24M3.55M4.29M5.47M5.09M6.82M6.64M7.96M7.47M01.19M893.00K1.85M3.60M4.31M4.47M9.14M11.29M12.27M
Gross Profit-3.11M-3.67M3.92M3.64M3.68M3.49M--5.83M6.35M7.26M6.11M6.29M10.80M16.28M27.44M34.30M37.84M37.90M40.17M
Gross Margin-61.68%-62.06%52.51%45.89%40.23%40.63%--73.25%84.98%100.00%83.76%87.56%85.38%81.90%86.43%88.48%80.54%77.05%76.60%
Operating Expense-2.29M-2.80M3.22M3.48M4.26M8.18M--4.67M5.50M7.05M5.09M5.11M7.47M7.29M14.62M19.75M19.22M21.50M23.19M
Operating Income628.00K824.00K866.00K866.00K704.00K157.00K-584.00K-4.70M993.00K1.11M1.16M845.00K212.00K1.02M1.18M3.34M8.99M12.82M14.55M18.62M16.41M16.98M
Operating Margin12.41%16.34%23.63%14.66%9.42%1.98%-6.38%-54.71%14.57%16.73%14.54%11.31%2.92%14.04%16.40%26.38%45.24%40.39%37.54%39.63%33.35%32.38%
EBITDA628.00K855.00K3.28M1.04M976.00K308.00K-306.00K-4.44M1.73M1.18M1.42M1.27M241.00K1.26M1.39M3.74M9.69M13.85M15.60M19.67M17.41M17.57M
EBITDA Margin12.41%16.96%89.52%17.61%13.06%3.89%-3.34%-51.69%25.35%17.72%17.79%16.96%3.32%17.26%19.35%29.55%48.74%43.61%40.23%41.87%35.39%33.51%
Net Income394.00K542.00K562.00K562.00K439.00K91.00K-330.00K-2.72M1.07M488.00K689.00K713.00K-120.00K653.00K91.00K2.47M7.64M9.44M10.52M13.71M11.72M13.49M
Net Income Margin7.79%10.75%15.33%9.52%5.88%1.15%-3.61%-31.66%15.74%7.35%8.66%9.54%-1.65%8.95%1.27%19.54%38.46%29.74%27.15%29.17%23.83%25.73%
R&D----------0-----------
R&D as % of Total Revenue----------0.00%-----------
Interest Expense-1.87M2.24M2.24M3.46M4.29M5.14M4.37M-4.00K48.00K46.00K46.00K784.00K779.00K1.74M2.90M3.73M3.43M9.19M11.49M12.81M
Interest Expense % of Total Revenue-37.15%61.15%37.94%46.29%54.11%56.19%50.87%-0.06%0.60%0.62%0.63%10.74%10.85%13.75%14.61%11.76%8.85%19.56%23.37%24.42%

Balance Sheet

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets84.89M97.66M117.80M117.80M135.98M163.10M164.03M154.55M148.66M185.69M178.42M169.69M169.30M171.23M167.29M294.85M817.50M815.13M844.96M885.25M911.82M912.21M
Total Liabilities77.44M89.74M99.35M99.35M117.40M145.66M147.68M140.90M132.83M166.18M158.13M148.69M148.31M149.60M145.64M228.85M743.48M731.68M747.21M686.19M716.32M728.41M
Total Equity7.45M7.91M18.45M18.45M18.58M17.44M16.34M13.65M15.83M19.51M20.29M21.06M20.98M21.62M21.65M66.00M74.02M83.45M97.75M199.06M195.50M183.80M
Cash-6.21M7.32M7.32M7.72M2.50M2.33M3.28M--9.96M11.75M-8.19M10.08M10.47M24.23M91.99M111.19M68.65M73.74M70.50M55.70M
Total Debt467.00K-5.00M5.00M14.50M8.00M7.50M883.00K-3.27M3.21M3.21M3.11M3.06M3.00M6.00M54.66M36.83M49.04M37.25M49.88M35.00M
Net Debt467.00K-6.21M-2.32M-2.32M6.78M5.50M5.17M-2.40M-3.27M3.21M3.21M11.30M-7.02M-7.47M-18.23M-37.34M-74.36M-19.61M-36.49M-20.62M-20.70M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow684.00K693.00K958.00K958.00K552.00K509.00K-29.00K2.05M1.67M1.87M1.75M1.14M1.05M1.59M1.90M1.16M5.02M10.58M9.71M15.19M16.06M19.02M
Investing Cash Flow-7.23M-12.93M--21.66M-17.54M23.87M7.84M7.84M1.85M4.71M6.57M9.65M-1.14M-4.89M2.34M23.79M32.33M17.45M-27.76M-35.17M-32.50M-13.29M
Financing Cash Flow10.30M12.28M19.17M19.17M17.73M-2.46M-20.91M-6.93M1.08M-10.86M-7.72M-9.67M12.00K1.45M-3.85M-7.24M30.11M-8.83M-24.49M25.07M13.19M-20.53M
Capital Expenditure1.15M1.12M55.00K55.00K60.00K70.00K879.00K115.00K885.00K73.00K100.00K98.00K82.00K102.00K36.00K473.00K375.00K415.00K502.00K155.00K611.00K237.00K
Free Cash Flow-464.00K-429.00K903.00K903.00K492.00K439.00K-908.00K1.93M788.00K1.80M1.65M1.04M972.00K1.49M1.86M684.00K4.65M10.16M9.21M15.04M15.45M18.79M
Dividends Paid----163.00K163.00K186.00K171.00K--0--95.33K95.33K95.33K---42.84M--
FCF to OCF-67.84%-61.90%94.26%94.26%89.13%86.25%3131.03%94.38%47.10%96.10%94.29%91.37%92.22%93.61%98.10%59.12%92.54%96.08%94.83%98.98%96.20%98.75%
Dividend Paid to FCF----33.13%37.13%-20.48%8.85%--0.00%--6.39%5.12%13.94%---284.85%--

Earnings

Report DateMar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Sep 30, 2010Dec 31, 2010Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014May 5, 2015Aug 4, 2015Nov 6, 2015Feb 4, 2016Mar 31, 2016Sep 27, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Apr 27, 2023Oct 23, 2023Jan 22, 2024Apr 25, 2024Jun 30, 2024Oct 21, 2024Jan 27, 2025Apr 17, 2025Jul 16, 2025Oct 21, 2025Dec 31, 2025Apr 24, 2026Jul 24, 2026Oct 16, 2026
EPS Estimate-------------------0.000.000.000.000.000.000.000.00---0.00-------------------0.00------------------------------
EPS Actual0.060.030.070.060.030.000.01-0.010.010.020.01-0.02-0.05-0.080.11-0.04-0.02-1.230.030.090.140.100.070.27-0.040.080.060.040.040.090.070.030.090.090.060.060.020.060.08-0.20-0.040.050.060.050.06-0.11-0.130.050.050.050.070.110.110.080.090.570.200.200.370.270.310.310.360.340.390.370.500.420.350.280.240.320.350.180.210.290.410.560.130.47-
Surprise---------------------------------------------------------------------------------
Timing-------------------------------------------------------------------Pre-marketAfter-hoursAfter-hoursPre-market-After-hoursPre-marketAfter-hoursPre-marketAfter-hours-After-hours-Pre-market

Key Statistics & Ratios

Market Cap176.78M
Enterprise Value98.96M
Trailing P/E14.10
Forward P/E0.00
PEG Ratio0.00
Price / Sales4.08
Price / Book0.96
EPS1.48
Book Value22.86
Revenue (TTM)43.35M
Gross Profit (TTM)43.35M
Profit Margin30.19%
Operating Margin47.58%
Return on Equity6.87%
Return on Assets1.47%
Shares Outstanding8.47M
Shares Float6.71M
Beta0.07
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
38.49%
Insiders
25.66%
Retail / Other
35.85%

Top Institutional Holders

  • AllianceBernstein L.P.
    835.16K9.86%
  • BlackRock Inc
    567.35K6.70%
  • Vanguard Capital Management, LLC
    371.46K4.39%
  • Geode Capital Management, LLC
    165.51K1.95%
  • Gendell Jeffrey L
    141.26K1.67%
  • Oppenheimer & Close Inc
    134.53K1.59%
  • Dimensional Fund Advisors, Inc.
    128.69K1.52%
  • Arrowstreet Capital Limited Partnership
    115.25K1.36%
  • State Street Corp
    106.04K1.25%
  • Stilwell Value LLC
    80.00K0.94%
  • The Goldman Sachs Group Inc
    62.75K0.74%
  • Beartown Capital Management, LLC
    60.62K0.72%
  • Northern Trust Corp
    50.47K0.60%
  • Vanguard Fiduciary Trust Co
    45.48K0.54%
  • Vanguard Portfolio Management, LLC
    39.83K0.47%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    211.12K2.49%
  • iShares Russell 2000 ETF
    175.11K2.07%
  • BSF Systematic US Eq Abs Ret A2 USD
    84.56K1.00%
  • iShares Russell 2000 Value ETF
    70.85K0.84%
  • Fidelity Small Cap Index
    68.87K0.81%

Dividends

20183×
0.03Dec 28, 20180.03Oct 30, 20180.03Aug 7, 2018
20101×
0.03Mar 3, 2010
20094×
0.03Dec 4, 20090.03Sep 2, 20090.03Jun 3, 20090.03Mar 4, 2009
20084×
0.03Dec 4, 20080.03Sep 4, 20080.03Jun 3, 20080.03Mar 4, 2008
20074×
0.03Dec 4, 20070.03Sep 5, 20070.03Jun 6, 20070.03Mar 6, 2007
20061×
0.03Nov 28, 2006

Stock Splits

  • Aug 1, 2023545:356