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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
BV Financial, Inc. Cash Flow Statement
BVFL • NASDAQ
| BV Financial, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
13.5M | 11.7M | 13.7M | 10.5M | 9.4M | 7.6M | 2.5M | 91K | 653K | -120K | 713K | 689K | 488K | 1.1M | -2.7M | -330K | 91K | 439K | 562K | 542K | |
117K | 1M | 1.1M | 1M | 1M | 696K | 399K | 212K | 235K | 241K | 245K | 279K | 227K | 166K | 259K | 278K | 151K | 272K | 174K | 31K | |
0.0 | -58K | 207K | 308K | 273K | 548K | 428K | 1.1M | 357K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1.7M | -190K | -159K | 0.0 | 0.0 | 0.0 | |
0.0 | 2.1M | 868K | 258K | 404K | 9K | 80K | 72K | 56K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 140K | 0.0 | 0.0 | 0.0 | 67K | 0.0 | |
3.6M | 487K | -1.8M | -2.6M | -2.8M | -3.7M | 168K | 155K | 571K | 1.3M | 369K | 981K | 629K | 647K | 5.7M | 616K | 0.0 | -159K | 222K | 120K | |
(3M) | (5.9M) | (4.9M) | (4M) | (2.1M) | (1.2M) | (118K) | (25K) | (25K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (138K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
1.8M | 829K | 1.1M | 158K | 2.2M | -153K | -2.4M | 314K | -277K | -118K | -192K | -198K | 529K | -213K | 359K | -403K | 194K | 0.0 | 0.0 | 0.0 | |
19M | 16.1M | 15.2M | 9.7M | 10.6M | 5M | 1.2M | 1.9M | 1.6M | 1.1M | 1.1M | 1.8M | 1.9M | 1.7M | 2M | -29K | 323K | 552K | 958K | 693K | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -611K | -155K | -502K | -415K | -375K | -473K | -36K | -102K | -82K | -98K | -100K | -73K | -885K | -115K | -879K | -70K | -60K | -55K | -1.1M | |
(0.0) | (7K) | (0.0) | (8.5M) | (0.0) | (136M) | (19.3M) | (0.0) | (0.0) | (0.0) | (1.8M) | (0.0) | (1.7M) | (673K) | (0.0) | (46.9M) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -14.5M | -6.9M | -12M | -18M | (0.0) | (0.0) | -1.5M | -8M | -14.1M | -6.5M | (0.0) | -12.6M | -28.6M | -6.3M | -17.4M | -140K | -549K | -97K | -3.6M | |
0.0 | 16.3M | 5.9M | 9.7M | 9.3M | 11.4M | 5.3M | 3.1M | 4.1M | 11.2M | 7.8M | 2.7M | 21.2M | 30.6M | 9.7M | 4.6M | 1.7M | 281K | 2.4M | 3.6M | |
-13.3M | -33.7M | -34M | -33.4M | 26.6M | -114.7M | -304K | 818K | -912K | 1.9M | 6.6M | 4M | -5.5M | 41K | 4.5M | -9.4M | 3.2M | -17.2M | -23.9M | -11.8M | |
-13.3M | -32.5M | -35.2M | -27.8M | (17.4M) | (32.3M) | (23.8M) | (2.3M) | -4.9M | -1.1M | (9.7M) | (6.6M) | (4.7M) | (1.9M) | (7.8M) | (23.9M) | (4.8M) | -17.5M | -21.7M | -12.9M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-30M | -17.7M | 98M | 1K | 36K | 17K | 36K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -5K | -1.3M | 0.0 | -471K | 10M | 0.0 | |
-15M | 11.9M | -12M | 12M | -17.8M | 30M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 847K | 0.0 | -7.3M | -6M | -1M | 9.5M | 5M | 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) | (0.0) | (0.0) | -171K | -186K | -163K | (0.0) | (0.0) | (0.0) | |
-30M | -17.7M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -5K | -1.3M | (0.0) | (0.0) | (0.0) | (0.0) | |
24.5M | 19M | -60.9M | -36.5M | 9M | 88K | -7.3M | -3.9M | 1.5M | 12K | -9.7M | -7.7M | -11.7M | 1.1M | 522K | -13.4M | -1.3M | 8.7M | 4.2M | 12.3M | |
-20.5M | 13.2M | 25.1M | -24.5M | -8.8M | 30.1M | -7.2M | -3.9M | 1.5M | 12K | -9.7M | -7.7M | -10.9M | 1.1M | -6.9M | -20.9M | -2.5M | 17.7M | 19.2M | 12.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-21.9M | -3.2M | 5.1M | -42.5M | 19.2M | 67.8M | 17.7M | 385K | -1.8M | -71K | 0.0 | 0.0 | 0.0 | 0.0 | 3M | 2.9M | 2.6M | 743K | -1.5M | 43K | |
30.1M | 73.7M | 68.7M | 111.2M | 92M | 24.2M | 6.5M | 9.8M | 11.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8.3M | 5.4M | 2.7M | 8.3M | 9.9M | 9.8M | |
8.2M | 70.5M | 73.7M | 68.7M | 111.2M | 92M | 24.2M | 10.2M | 9.8M | -71K | 0.0 | 0.0 | 0.0 | 0.0 | 11.2M | 8.3M | 5.4M | 9.1M | 8.3M | 9.9M | |
18.8M | 15.5M | 15M | 9.2M | 10.2M | 4.6M | 684K | 1.9M | 1.5M | 972K | 1M | 1.7M | 1.8M | 788K | 1.9M | -908K | 253K | 492K | 903K | -429K |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 08, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 02, 2026 | April 02, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 23, 2026 | February 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 22, 2026 | 2026 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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