Skip to content
Screener
BV Financial, Inc. logo

BV Financial, Inc.

BVFL

BV Financial, Inc. is a bank holding company that operates primarily through its subsidiary, BayVanguard Bank, a community-oriented financial institution.

Market cap
$179.92M+20.5%
Revenue$40.2M+3.9%
Net income$13.1M+22.2%
Free cash flow$17.9M-4.2%
EPS (diluted)$1.51+46.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 16, 2026 (In 2 days)

Financials

Q2 2026

Income statement

See full
Revenue$10.0M+1.4%
Net income$3.5M+21.0%
EPS (diluted)$0.42+44.8%

Balance sheet

See full
Cash & equivalents$8.7M+73.7%
Total debt$633.0K-26.6%
Total equity$183.2M-7.5%
Total assets$878.0M-3.3%

Cash flow

See full
Operating cash flow$4.4M+0.7%
CapEx$110.0K-20.9%
Free cash flow$4.3M+1.4%

Valuation & ratios

Valuation

See full
Market cap$179.92M+20.5%
Enterprise value$171.88M+18.2%
P/E13.8×-0.4×
P/S4.5×+0.6×

Profitability

See full
Net margin32.5%+4.9pp
FCF margin44.6%-3.8pp

Returns & leverage

See full
Return on equity6.9%+1.6pp
Debt / equity0×0.0×

Segments

By product

See full
Debit Card$182.0K+2.8%
Deposit Account$105.0K-6.3%

Competitors

Profile

BV Financial, Inc. is a bank holding company that operates primarily through its subsidiary, BayVanguard Bank, a community-oriented financial institution. The company focuses on gathering retail deposits and reinvesting them into a diverse portfolio of real estate and commercial loans. Its core value proposition centers on providing full-service banking to consumers and businesses within the Baltimore metropolitan area and the Eastern Shore of Maryland.

Competitive position

A community-oriented regional bank with a significant concentration in commercial real estate and a strong local presence in the Baltimore metropolitan area.

GeographiesUnited States, Maryland
Customer segmentsRetail, SME, Commercial
Business modelInterest Income, Traditional Banking, Commercial Lending
SuppliersFederal Reserve Board, Federal Home Loan Bank system, Depositors, Credit rating agencies
CustomersSmall business owners, Homebuyers, Real estate developers, Commercial property investors
Listed2005
Employees36.0
CEOTimothy L. Prindle
FilingsSEC EDGAR

FAQ

What is BV Financial, Inc.'s market cap?
BV Financial, Inc. (BVFL) has a market capitalization of $179.9M and trades on NASDAQ.
What is BV Financial, Inc.'s revenue and profitability?
BV Financial, Inc. generated $40.2M in trailing twelve-month revenue with net income of $13.1M, representing a net margin of 32.5%, with free cash flow of $17.9M. The latest reported period is Q2 2026.
Who are BV Financial, Inc.'s competitors?
BV Financial, Inc.'s key competitors include FVCBankcorp, Inc. Common Stock, FB Bancorp, Inc. Common Stock, Parke Bancorp Inc., and others. These companies compete in similar markets and product categories.
Who does BV Financial, Inc. partner with?
BV Financial, Inc.'s notable partners include Federal Home Loan Bank.
What subsidiaries does BV Financial, Inc. have?
BV Financial, Inc.'s subsidiaries include BayVanguard Bank.
Where is BV Financial, Inc. headquartered?
BV Financial, Inc. is headquartered in United States of America and employs approximately 36 people. It has been publicly traded since 2005.