BVFL
BV Financial, Inc. NASDAQ Listed Feb 17, 2005$20.34
+2.31%
vs $19.88
Mkt Cap $174.5M
52w Low $14.27
99.8% of range
52w High $20.35
50d MA $19.86
200d MA $18.41
P/E (TTM)
14.0x
EV/EBITDA
7.9x
P/B
0.9x
Debt/Equity
0.2x
ROE
7.3%
P/FCF
9.3x
RSI (14)
57.30
ATR (14)
$0.73
Beta
0.09
50d MA
$19.86
200d MA
$18.41
Avg Volume
22.6K
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. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.
7114 North Point Road · Baltimore, MD 21219 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 24, 2026 | TNS | — | 0.40 | — | 20.28 | -1.0% | -2.0% | +0.4% | -1.6% | -0.3% | -0.1% | — |
| Jan 23, 2026 | TNS | — | 0.65 | — | 18.82 | -0.3% | -0.1% | -0.2% | -0.9% | +1.6% | +1.2% | — |
| Oct 17, 2025 | TNS | — | 0.49 | — | 14.70 | +0.5% | +8.0% | +1.4% | +3.5% | -1.9% | +0.9% | — |
| Jul 17, 2025 | TNS | — | 0.38 | — | 15.68 | +1.3% | +0.5% | +1.1% | +0.8% | +1.1% | -0.3% | — |
| Apr 17, 2025 | TNS | — | 0.30 | — | 14.31 | -1.0% | +3.1% | +2.8% | +0.7% | +0.7% | -0.1% | — |
| Mar 27, 2025 | TNS | — | 0.18 | — | 15.55 | -1.0% | -1.9% | +0.0% | -0.1% | -0.3% | -6.5% | — |
| Oct 21, 2024 | TNS | — | 0.35 | — | 15.54 | +0.1% | -0.2% | -0.3% | +0.3% | -0.1% | +0.2% | — |
| Jul 18, 2024 | TNS | — | 0.32 | — | 13.25 | +1.1% | +1.9% | +1.0% | +1.2% | +0.3% | +0.8% | — |
| Apr 25, 2024 | TNS | — | 0.24 | — | 10.41 | +1.3% | +0.9% | +0.9% | -0.6% | +0.0% | -1.0% | — |
| Mar 22, 2024 | TNS | — | 0.28 | — | 10.71 | -0.7% | -1.9% | -2.0% | -0.9% | +1.2% | +0.6% | — |
| Oct 23, 2023 | TNS | — | 0.35 | — | 9.97 | +0.1% | +0.3% | +0.0% | +0.1% | -0.5% | +0.1% | — |
| Jul 26, 2023 | TNS | — | 0.53 | — | 17.05 | +0.3% | +0.3% | +0.0% | +5.1% | -43.0% | -1.3% | — |
No analyst ratings available.
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 291 | $19.96 | $6K | — | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 64 | $19.88 | $1K | 291 | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 2 | $19.86 | $40 | 355 | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 30 | $19.84 | $595 | 357 | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 100 | $19.82 | $2K | 387 | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 2,014 | $19.81 | $40K | 487 | -1.18% | — |
| Jun 12, 2026 | Galli Joseph SDir | — | Sell | 579 | $19.80 | $11K | 2,501 | -1.18% | — |
| Jun 11, 2026 | Galli Joseph SDir | — | Sell | 8,122 | $19.84 | $161K | 3,080 | -1.18% | — |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 18 | $19.98 | $360 | 11,202 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 39 | $19.98 | $779 | 11,220 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 1,349 | $19.95 | $27K | 11,259 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 44 | $19.90 | $876 | 12,608 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 1,068 | $19.87 | $21K | 12,652 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 36 | $19.86 | $715 | 13,720 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 404 | $19.85 | $8K | 13,756 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 242 | $19.80 | $5K | 14,160 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 316 | $19.77 | $6K | 14,402 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 24 | $19.77 | $474 | 14,718 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 284 | $19.76 | $6K | 14,742 | +1.47% | +2.31% |
| Jun 10, 2026 | Galli Joseph SDir | — | Sell | 1,176 | $19.75 | $23K | 15,026 | +1.47% | +2.31% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 7 | $19.98 | $140 | 16,202 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 2,194 | $19.80 | $43K | 16,209 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 100 | $19.77 | $2K | 18,403 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 266 | $19.77 | $5K | 18,503 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 2 | $19.76 | $40 | 18,769 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 130 | $19.74 | $3K | 18,781 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 438 | $19.73 | $9K | 18,911 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 79 | $19.72 | $2K | 19,349 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 10 | $19.71 | $197 | 19,428 | -2.57% | -1.14% |
| Jun 9, 2026 | Galli Joseph SDir | — | Sell | 43 | $19.70 | $847 | 19,438 | -2.57% | -1.14% |
8-K · 8.01
!! High
BV Financial, Inc. -- 8-K 8.01: Material Event / Announcement
Jun 1
8-K
BV Financial, Inc. -- 8-K Filing
May 8
8-K
BV Financial, Inc. -- 8-K Filing
BV Financial reported non-GAAP adjusted net income of $3.3 million for Q1 2026, up 13.8% from $2.9 million in Q1 2025, indicating improving profitability.
Apr 24
8-K · 4.01
!!! Very High
BV Financial, Inc. -- 8-K 4.01: Auditor Change / Resignation
BV Financial replaced its auditor with Crowe LLP, which may signal accounting concerns or reflect a routine transition but warrants investor scrutiny of the filing details.
Feb 23
Institutional (13F) — Top 0
All ↗
No 13F holders found.
Mutual Funds / ETFs (N-PORT) — Top 9
All ↗
| # | Fund | Shares | Value | Period |
|---|---|---|---|---|
| 1 | EA Bridgeway Omni Small-Cap Value ETF | 20,571 | $394K | Mar 2026 |
| 2 | Goldman Sachs ActiveBeta(R) U.S. Small Cap Equity ETF | 13,204 | $247K | Feb 2026 |
| 3 | Avantis U.S. Small Cap Equity ETF | 6,024 | $113K | Feb 2026 |
| 4 | Small Cap Index Fund | 3,736 | $72K | Mar 2026 |
| 5 | Omni Small-Cap Value Fund | 3,000 | $57K | Mar 2026 |
| 6 | WisdomTree U.S. SmallCap Fund | 1,675 | $32K | Mar 2026 |
| 7 | Penn Series Small Cap Index Fund | 300 | $6K | Mar 2026 |
| 8 | Russell 2000 Fund | 20 | $383 | Mar 2026 |
| 9 | Russell 2000 1.5x Strategy Fund | 12 | $230 | Mar 2026 |
Valuation
Market Cap
$174.5M
Enterprise Value
$128.7M
P/E (TTM)
13.97x
Forward P/E
—
PEG Ratio
0.37x
P/B
0.93x
P/S
3.35x
P/FCF
9.29x
EV/EBITDA
7.95x
Shares Out
8.6M
Financials (TTM)
Revenue
$52.1M
Net Income
$12.5M
EBITDA
$16.2M
Free Cash Flow
$18.8M
Op Cash Flow
$19.0M
EPS Basic
$1.44
EPS Diluted
$1.36
EPS Forward
—
Gross Margin
77.5%
Op Margin
30.3%
Net Margin
24.0%
Balance Sheet
Total Assets
$912.2M
Total Liab.
$728.4M
Total Equity
$183.8M
Cash
$80.8M
LT Debt
$35.0M
Book Value/Sh
$21.81
Debt/Equity
0.19x
Current Ratio
4.18
Quick Ratio
4.18
Returns & Growth
ROE
7.3%
ROA
1.5%
ROIC
15.8%
Rev Growth YoY
+6.6%
EPS Growth YoY
+30.9%
Price Returns
2W
-1.7%
1M
+0.3%
3M
+5.1%
6M
+7.0%
12M
+25.8%
Technicals
52W High
$20.35
52W Low
$14.27
50d MA
$19.86
200d MA
$18.41
RSI (14)
57.30
ATR (14)
$0.73
Beta
0.09
Avg Volume
23K
Dividends
Div Rate
$0.00
Div Yield
—
Frequency
—
Ex-Div Date
Dec 28, 2018
Analyst Price Targets
Consensus
—
High
—
Low
—
Median
—
Data updated apr 24, 2026 11:16pm
· Source: financialmodelingprep.com