BVFL - NASDAQ

BV Financial, Inc.

BVFL·NASDAQ

$19.37

+0.21%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$167.72M

EPS1.4400

P/E Ratio13.45

Earnings Date07/16/2026

912.21M

Assets

3Y+8.0%

5Y+12.0%

10Y+439.0%

728.41M

Total Liabilities

3Y-3.0%

5Y-2.0%

10Y+391.0%

183.80M

Total Equity

-6%

3Y+88.0%

5Y+148.0%

10Y+776.0%

BV Financial, Inc. Funding & Solvency Profile

BVFL · NASDAQ

Current Assets

Cash & Cash Equivalents55.70M

Net Receivables3.15M

Inventory0.00

Other Current Assets0.00

Total Current Assets84 M

Non-Current Assets

Property, Plant & Equipment12.49M

Goodwill & Intangible Assets15.07M

Long-Term Investments762.72M

Other Non-Current Assets30.38M

Total Non-Current Assets806 M

Total Assets

912.21M

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.96x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-592107000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

9% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

BV Financial, Inc. Balance Sheet

BVFL • NASDAQ

BV Financial, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2009	Jun 2008	Jun 2007	Jun 2006	Jun 2005	Jun 2004
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	55.7M	70.5M	73.7M	68.7M	111.2M	92M	24.2M	10.5M	10.1M	-8.2M	0.0	0.0	0.0	0.0	3.3M	2.3M	1.7M	7.7M	7.3M	6.2M
Short-Term Investments	25.1M	26.4M	34.8M	33M	37.8M	32.5M	8.3M	13.1M	13M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	80.8M	96.9M	108.5M	101.7M	149M	124.5M	32.6M	23.5M	23.1M	-8.2M	0.0	0.0	0.0	0.0	3.3M	2.3M	1.7M	7.7M	7.3M	6.2M
Net Receivables	3.1M	3.2M	3.3M	3M	2.6M	2.9M	992K	498K	574K	0.0	0.0	0.0	0.0	0.0	592K	670K	538K	494K	417K	344K
Accounts Receivables	3.1M	3.2M	3.3M	3M	2.6M	2.9M	992K	498K	574K	0.0	0.0	0.0	0.0	0.0	592K	670K	538K	494K	417K	344K
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	14.4M	16.5M	18.3M	18.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	84M	100.1M	111.8M	104.6M	151.6M	127.4M	33.6M	24M	23.6M	14.4M	16.5M	18.3M	18.9M	0.0	3.9M	3M	2.3M	8.2M	7.7M	6.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	12.5M	13.2M	14.3M	15.2M	15.1M	15.5M	5.8M	4.1M	4.3M	4.6M	4.7M	6.5M	6.6M	5.2M	3.1M	3.1M	2.4M	2.5M	2.6M	2.6M
Goodwill	14.4M	14.4M	14.4M	14.4M	14.4M	12.8M	1.1M	120K	120K	120K	120K	119K	119K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	651K	831K	1M	1.2M	1.3M	1.5M	1.2M	23K	28K	0.0	43K	55K	86K	0.0	280K	4.3M	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	15.1M	15.3M	15.4M	15.6M	15.7M	14.3M	2.3M	143K	148K	120K	163K	174K	205K	58K	280K	4.3M	0.0	0.0	0.0	0.0
Long-Term Investments	762.7M	746.4M	706.7M	669.8M	588.5M	610.2M	239.2M	130.5M	134M	5.3M	6.2M	7.1M	14.3M	5.2M	132M	143.5M	122M	120.5M	103.7M	82.3M
Tax Assets	7.6M	8.9M	9M	9.1M	8.3M	8.2M	3M	1.6M	2.6M	3M	3.1M	3M	3.2M	2.5M	2.4M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	30.4M	27.9M	28.1M	30.6M	36M	40M	10.3M	6.8M	6.5M	141.9M	139M	143.4M	142.4M	-12.9M	13M	10.1M	7.3M	4.8M	3.8M	6.2M
Total Non-Current Assets	828.2M	811.7M	773.5M	740.3M	663.6M	688.2M	260.6M	143.2M	147.5M	154.9M	153.2M	160.1M	166.8M	0.0	150.7M	161M	131.7M	127.8M	110.1M	91.1M
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	148.7M	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	912.2M	911.8M	885.3M	845M	815.1M	817.5M	294.9M	167.3M	171.2M	169.3M	169.7M	178.4M	185.7M	148.7M	154.6M	164M	134M	136M	117.8M	97.7M
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	0.0	0.0	0.0	171K	0.0	3M	3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	883K	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	676.1M	651.5M	634.1M	684.4M	680M	675.1M	217.8M	138.7M	142.6M	50M	52.8M	150.8M	158M	0.0	137.6M	137M	98.5M	97.1M	91.4M	87M
Total Current Liabilities	676.1M	651.5M	634.1M	684.6M	680M	678.1M	220.8M	138.7M	142.6M	50M	52.8M	150.8M	158M	0.0	138.5M	137M	98.5M	97.1M	91.4M	87M
NON-CURRENT LIABILITIES
Long Term Debt	35M	49.9M	37.3M	49M	36.8M	51.7M	3M	3M	3.1M	3.1M	3.2M	3.2M	3.3M	0.0	0.0	7.5M	13.5M	14.5M	5M	0.0
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	91.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	148K	188K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	17.3M	14.9M	14.8M	13.6M	14.8M	11.8M	0.0	0.0	0.0	3.8M	92.5M	4.1M	4.9M	0.0	2.4M	3.1M	3.8M	5.8M	2.9M	2.7M
Total Non-Current Liabilities	52.3M	64.8M	52.1M	62.6M	51.7M	63.4M	7.4M	6.9M	6.9M	98.3M	95.9M	7.3M	8.2M	0.0	2.4M	10.6M	17.3M	20.3M	7.9M	2.7M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	132.8M	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	224K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	728.4M	716.3M	686.2M	747.2M	731.7M	743.5M	228.9M	145.6M	149.6M	148.3M	148.7M	158.1M	166.2M	132.8M	140.9M	147.7M	115.8M	117.4M	99.4M	89.7M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	-2M	-2M	-2M	-2M	-2M	-2M	-2M	-2M	-2M	-2.1M	-2.1M	0.0	0.0	0.0	0.0
Common Stock	88K	106K	114K	74K	71K	73K	73K	32K	32K	32K	32K	32K	32K	26K	26K	26K	26K	26K	26K	0.0
Additional Paid-In Capital	68.8M	94.7M	110.5M	15.4M	9.4M	10.9M	10.9M	10.9M	10.8M	10.9M	10.9M	10.9M	10.9M	11M	11.1M	11.1M	11.1M	11M	10.9M	0.0
Retained Earnings	123M	109.5M	97.8M	84.6M	74.1M	64.6M	57M	13M	12.9M	12.3M	12.4M	11.7M	11M	7.2M	5.2M	8.1M	8.9M	8.9M	8.5M	7.9M
Accumulated Other Comprehensive Income/Loss	-1.1M	-1.6M	-2M	-2.3M	-96K	361K	14K	-208K	-55K	-188K	-267K	-342K	-427K	-454K	20K	-793K	-1.8M	-1.4M	-1M	-23K
Other Total Stockholders' Equity	-7M	-7.2M	-7.3M	0.0	0.0	0.0	0.0	-65K	-134K	0.0	0.0	0.0	0.0	0.0	-687K	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	183.8M	195.5M	199.1M	97.8M	83.4M	74M	66M	21.7M	21.6M	21M	21.1M	20.3M	19.5M	15.8M	13.6M	16.3M	18.2M	18.6M	18.4M	7.9M
Total Equity	183.8M	195.5M	199.1M	97.8M	83.4M	74M	66M	21.7M	21.6M	21M	21.1M	20.3M	19.5M	15.8M	13.6M	16.3M	18.2M	18.6M	18.4M	7.9M
SUMMARY
Total Liabilities & Equity	912.2M	911.8M	885.3M	845M	815.1M	817.5M	294.9M	167.3M	171.2M	169.3M	169.7M	178.4M	185.7M	148.7M	154.6M	164M	134M	136M	117.8M	97.7M
Total Investments	787.9M	772.9M	741.5M	702.8M	626.3M	642.7M	247.5M	143.6M	146.9M	5.3M	6.2M	7.1M	14.3M	5.2M	132M	143.5M	122M	120.5M	103.7M	82.3M
Total Debt	35M	49.9M	37.3M	49M	36.8M	54.7M	6M	3M	3.1M	3.1M	3.2M	3.2M	3.3M	0.0	883K	7.5M	13.5M	14.5M	5M	0.0
Net Debt	-20.7M	-20.6M	-36.5M	-19.6M	-74.4M	-37.3M	-18.2M	-7.5M	-7M	11.3M	3.2M	3.2M	3.3M	0.0	-2.4M	5.2M	11.8M	6.8M	-2.3M	-6.2M
Shares Outstanding	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490	9,939,490

SEC Filings

BVFL - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	June 01, 2026	June 01, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 08, 2026	May 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 02, 2026	April 02, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 23, 2026	February 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 22, 2026	2026	View Filing

Showing 1 to 10 of 87 filings

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