BV Financial (BVFL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BV Financial

NasdaqCM•Financial Services•Banks - Regional

$21.58-0.19(-0.01%)Market closed

Market Cap

$171.08M

P/E

13.1x

P/S

3.3x

P/B

0.9x

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts 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; personal credit cards; 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. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability21/25

Growth19/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.1x5y range 8.4x – 15.8x

Currently near its 11-quarter median.

P/S · 3.3x5y range 2.3x – 3.8x

Currently near its 11-quarter median.

P/B · 0.9x5y range 0.0x – 0.9x

Price & Volume

Market Cap $171.08M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $52.32M
Q. Revenue: $12.67M
TTM EBITDA: $19.08M
TTM Op. Income: $18.90M
Q. Op. Income: $4.71M
TTM Net Income: $13.09M
Q. Net Income: $3.46M
EPS: $0.43
Shares Out.: $8.01M

$52.32M in TTM revenue grew 3.0% YoY, reaching $12.67M last quarter. TTM EBITDA of $19.08M and TTM operating income of $18.90M show growth is flowing through to the bottom line. TTM net income of $13.09M means revenue is converting into profit. Over the past year, TTM revenue is up 3% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 79.0%
EBITDA Margin: 37.6%
Op. Margin: 37.2%
Net Margin: 27.3%

Op. margin of 37.2% is up 7.4% YoY — cost efficiency is improving. Net margin at 27.3% and gross margin of 79.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 25% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.1x
P/S Ratio: 3.3x
P/B Ratio: 0.9x

At 13.1x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 0.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $877.96M
Cash: $68.90M
Long-Term Debt: N/A
Book Value: $183.20M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $4.43M
TTM Free Cash Flow: $20.00M
FCF Margin: 38.2%
FCF / Net Income: 1.5

TTM FCF of $20.00M on $4.43M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 20% — an improving trend.