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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
BV Financial, Inc. Income Statement
BVFL • NASDAQ
| BV Financial, Inc. Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
52.4M | 49.2M | 47M | 38.8M | 31.7M | 19.9M | 12.7M | 7.2M | 7.3M | 7.3M | 7.5M | 8M | 6.6M | 6.8M | 8.6M | 9.2M | 7.9M | 7.5M | 5.9M | 5M | |
GROSS PROFIT | ||||||||||||||||||||
(12.3M) | (11.3M) | (9.1M) | (4.5M) | (4.3M) | (3.6M) | (1.9M) | (893K) | (1.2M) | (0.0) | (7.5M) | (8M) | (6.6M) | (6.8M) | (5.1M) | (5.5M) | (4.3M) | (3.5M) | (2.2M) | (1.9M) | |
40.2M | 37.9M | 37.8M | 34.3M | 27.4M | 16.3M | 10.8M | 6.3M | 6.1M | 7.3M | 0.0 | 0.0 | 0.0 | 0.0 | 3.5M | 3.7M | 3.6M | 3.9M | 3.7M | 3.1M | |
OPERATING INCOME | ||||||||||||||||||||
(23.2M) | (21.5M) | (19.2M) | (19.7M) | (14.6M) | (7.3M) | (7.5M) | (5.1M) | (5.1M) | (2M) | (2.3M) | (1.5M) | (1.2M) | (1.4M) | (8.2M) | (4.3M) | (3.5M) | (3.2M) | (2.8M) | (2.3M) | |
(12.5M) | (14.4M) | (12.6M) | (10.4M) | (8.1M) | (6.1M) | (4.7M) | (2.9M) | (2.8M) | (0.0) | (4.5M) | (3.1M) | (2.4M) | (2.7M) | (2.9M) | (2.4M) | (2.1M) | (2M) | (1.6M) | (1.4M) | |
17M | 16.4M | 18.6M | 14.6M | 12.8M | 9M | 3.3M | 1.2M | 1M | 0.0 | 845K | 1.2M | 1.1M | 993K | -4.7M | -584K | 157K | 704K | 866K | 824K | |
PRE-TAX INCOME | ||||||||||||||||||||
(12.8M) | (11.5M) | (9.2M) | (3.4M) | (3.7M) | (2.9M) | (1.7M) | (779K) | (784K) | (46K) | (46K) | (48K) | (4K) | (0.0) | (4.4M) | (5.1M) | (4.3M) | (3.5M) | (2.2M) | (1.9M) | |
36.9M | 35.2M | 34.2M | 29.9M | 25.6M | 15.3M | 10.4M | 6M | 6.1M | 0.0 | -46K | -48K | -4K | 0.0 | 4.1M | 3.7M | 3.3M | 3.7M | 3.4M | 2.8M | |
(10.7M) | (7.1M) | (6.6M) | (9.4M) | (6.5M) | (1.2M) | (2.8M) | (2.2M) | (2.3M) | (0.0) | -2.3M | -1.5M | -1.2M | -1.4M | (5.2M) | (1.9M) | (1.3M) | (1.2M) | (1.2M) | (881K) | |
1.9M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -175K | 177K | -21K | -161K | 569K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
18.9M | 16.4M | 18.6M | 14.6M | 12.8M | 9M | 3.3M | 1.2M | 1M | -221K | 1M | 1.1M | 950K | 1.6M | -4.7M | -584K | 157K | 704K | 866K | 824K | |
NET INCOME | ||||||||||||||||||||
(5.4M) | (4.7M) | (4.9M) | (4M) | (3.4M) | (1.3M) | (865K) | (1.1M) | (372K) | -101K | (309K) | (447K) | (462K) | (489K) | -2M | -254K | (66K) | (265K) | (304K) | (282K) | |
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 |
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
Continue your BVFL research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
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