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BV Financial, Inc. BVFL Q4 2025 Annual earnings

Reported January 23, 2026 · Before market open

Revenue$13.8M
EPS$0.65

Next report

Oct 16, 2026 (in 3 months)

Financials

Q4 2025

Income statement

See full
Revenue$10.5M+9.2%
Net income$4.8M+146%
EPS (diluted)$0.55+206%

Balance sheet

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Cash & equivalents$5.6M-3.9%
Total debt$751.0K-22.3%
Total equity$183.8M-6.0%
Total assets$912.2M0.0%

Cash flow

See full
Operating cash flow$3.4M-12.6%
Free cash flow$3.6M-8.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$161.52M-19.1%
Enterprise value$156.65M-19.6%
P/E12×-5.1×
P/S4.1×-1.2×

Profitability

See full
Net margin34.1%+3.0pp
FCF margin47.4%+6.4pp

Returns & leverage

See full
Return on equity7.1%+1.2pp
Debt / equity0×0.0×

Segments

By product

See full
Debit Card$182.0K+2.8%
Deposit Account$125.0K+1.6%

Versus estimates

Revenue

Q2 2026$12.7MQ1 2026$12.1M
Q4 2025$13.8M
Q3 2025$13.2MQ2 2025$13.0MQ1 2025$12.4M

Diluted EPS

Q2 2026$0.47Q1 2026$0.40
Q4 2025$0.65
Q3 2025$0.49Q2 2025$0.38Q1 2025$0.30

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Questions, answered.

When did BV Financial, Inc. report Q4 2025 earnings?
BV Financial, Inc. (BVFL) reported Q4 2025 earnings on January 23, 2026 before market open.
What were BV Financial, Inc.'s Q4 2025 revenue and EPS?
BV Financial, Inc. reported revenue of $13.8M and eps of $0.65 for Q4 2025.
How did BV Financial, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.1% from $12.6M a year earlier and eps grew 260.9% from $0.18.
Where can I find BV Financial, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000943374-26-000014) and the 10-K periodic report (0001193125-26-128285) directly on SEC EDGAR. The filing index links above go to sec.gov.