BVFL - NASDAQ
BV Financial, Inc.
$19.37
+0.21%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.
At a Glance
Live SnapshotBV Financial, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
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DCF Valuation Summary
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $23.1M | $28.1M | $34.2M | $41.6M | $50.5M | $61.5M | $74.7M | $90.8M | $110.4M | $134.3M |
| Maintenance CapEx | -$57.6K | -$70.1K | -$85.2K | -$103.6K | -$125.9K | -$153.1K | -$186.2K | -$226.3K | -$275.2K | -$334.6K |
| Owner Earnings | $23.1M | $28.1M | $34.1M | $41.5M | $50.4M | $61.3M | $74.5M | $90.6M | $110.2M | $134.0M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $21.4M | $24.1M | $27.1M | $30.5M | $34.3M | $38.6M | $43.5M | $49.0M | $55.1M | $62.0M |
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