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Bv Financial(NASDAQ) BVFL

Current Price$20.22
Market Cap$177.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)+155%
5 Year+69%
1 Year+27%
1 Month-4%
Bv Financial last closing stock price
MetricPriceDate
Last closeUSD 20.482026-07-24
Bv Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.7%USD 21.492026-07-17
1 month-3.94%USD 21.322026-06-24
3 month+0.99%USD 20.282026-04-24
Year to date+12.9%USD 18.142025-12-31
1 year+26.58%USD 16.182025-07-24
3 year+87.18%USD 10.942023-07-25
5 year+69.47%USD 12.082021-07-23
Since inception+155.17%USD 8.032005-01-18

Bv Financial Financials at a Glance

Market Cap

$177.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$44.19M

Net Income (TTM)

$13.09M

EPS (TTM)

$1.52

P/E Ratio

14.76

Dividend

$0.00

Beta (Volatility)

0.22 (Low)

Price

$20.22

Volume

17

Open

$20.90

Previous Close

$20.22

Daily Range

$20.21 - $20.90

52-Week Range

$14.60 - $22.17

Estimated Earnings Date

Oct 16, 2026

BVFL News

No articles available.

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About Bv Financial

BV Financial helps people and businesses in Maryland manage money and get loans. Its checking accounts let customers pay bills and access cash easily. Homebuyers and business owners use its loans to buy property or fund projects.

Money Moves: Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Certificates of Deposit: Fixed-term savings products offering set interest rates (percentage of revenue not disclosed).
  • Real Estate Loans: Mortgages for homes and commercial properties, including construction and land loans (93.6% of total loans).
  • Consumer and Commercial Loans: Auto, boat, personal, and business loans for equipment or working capital (6.4% of total loans).
  • Banking Services: Online banking, bill pay, ATM access, and merchant services for daily financial needs (percentage of revenue not disclosed).

Branching Out: Growth and Expansion

  • Completed mutual-to-stock conversion in July 2023, becoming a fully public company.
  • Launched a 2024 Equity Incentive Plan to attract and retain employees.
  • Repurchased 277,080 shares in Q2 2025 under the Board approved buyback program.

Why BV Financial Stands Out

BV Financial focuses on Maryland’s local communities, serving both individuals and small businesses. Its strong capital ratios exceed regulatory requirements, supporting stability. The company’s diversified loan portfolio helps manage risk across different property types and borrowers.

Five Things You Need to Know

  • Total revenue was $13 million in Q3 2025, up 2.9% year-over-year.
  • Net income was $2.9 million in Q2 2025, down from $3.4 million in Q2 2024.
  • Total assets reached $908.3 million as of June 30, 2025.
  • Real estate loans made up 93.6% of the loan portfolio in June 2025.
  • Tier 1 leverage ratio was 19.75% in June 2025, well above regulatory minimums.

Bottom Line

BV Financial has grown by focusing on local banking and steady loan growth. Its strong capital and community focus support long-term stability for customers and investors.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

104

CEO

Timothy L. Prindle

Website

www.bayvanguard.com/about-us/investor-relations

Headquarters

Baltimore, MD 21219, US

BVFL Financials

Key Financial Metrics (TTM)

Gross Margin

59.83%

Operating Margin

23.12%

Net Income Margin

25.50%

Return on Equity

7.07%

Return on Capital

7.76%

Return on Assets

1.49%

Earnings Yield

6.78%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$177.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.66M

Volume

17

Avg. Volume

19.78K

Financials (TTM)

Gross Profit

$35.78M

Operating Income

$16.60M

EBITDA

$16.93M

Operating Cash Flow

$18.28M

Capital Expenditure

-$27.00K

Free Cash Flow

$18.25M

Cash & ST Invst.

$40.88M

Total Debt

$0.00

Bv Financial Performance Analysis

Bv Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 38,769,00022.1%
20232023-12-31USD 46,802,00020.7%
20242024-12-31USD 49,183,0005.1%
20252025-12-31USD 52,454,0006.7%
Bv Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-301.8%
Q42025-12-314.6%
Q12026-03-31-12.6%
Q22026-06-301.0%
Bv Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.427.1%
20232023-12-31USD 1.473.6%
20242024-12-31USD 1.09-25.4%
20252025-12-31USD 1.4330.3%
Bv Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3031.0%
Q42025-12-3147.4%
Q12026-03-31-76.8%
Q22026-06-30223.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$5.07M

-61.0%

Gross Profit

$5.07M

-47.7%

Gross Margin

100.00%

N/A

Market Cap

$177.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.76M

N/A

Employees

101

N/A

Net Income

$3.46M

+21.0%

EBITDA

$4.73M

+18.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$40.88M

-49.7%

Total Debt

$0.00

-100.0%

Accounts Receivable

$3.02M

-6.9%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.49%

N/A

Return on Invested Capital

1.35%

N/A

Free Cash Flow

$3.68M

-12.8%

Operating Cash Flow

$3.69M

-16.9%

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Questions About BVFL

What is the current price of Bv Financial?

Bv Financial is trading at $20.22 per share.

What is the 52-week range for Bv Financial?

Over the past 52 weeks, Bv Financial has traded between $14.60 and $22.17.

How much debt does Bv Financial have?

As of the most recent reporting period, Bv Financial reported total debt of $35.69M.

How much cash does Bv Financial have on hand?

Bv Financial does not have cash on hand data available.

What is Bv Financial’s dividend yield?

Bv Financial does not currently have a dividend yield.

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