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BV Financial, Inc. BVFL Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$41.87M-5.3%
FDS
Fifth District BancorpFDSB
$3.95M-5.3%
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

Other financials

Income statement

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Revenue$9.6M+5.1%
Net income$1.1M-48.0%
EPS (diluted)$0.13-38.1%

Balance sheet

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Cash & equivalents$6.9M-19.4%
Total debt$693.0K-24.3%
Total equity$183.6M-7.3%
Total assets$910.9M-1.2%

Cash flow

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Operating cash flow$3.7M-23.3%
CapEx$7.0K-96.8%
Free cash flow$3.7M-19.8%

Valuation

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Market cap$183.4M+14.9%
Enterprise value$177.18M+14.0%
P/E14.7×-0.2×
P/S4.6×+0.4×

Profitability

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Net margin31.1%+1.8pp
FCF margin44.6%+3.1pp

Returns & leverage

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Return on equity6.5%+0.9pp
Debt / equity0.0×

Where this comes from

Reported directly by BV Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: BV Financial, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is BV Financial, Inc.'s reserve for ESOP debt retirement?
BV Financial, Inc. (BVFL) reported reserve for ESOP debt retirement of $6.93M in Q1 2026.
How has BV Financial, Inc.'s reserve for ESOP debt retirement changed year-over-year?
BV Financial, Inc.'s reserve for ESOP debt retirement decreased by 2.6% year-over-year, from $7.12M to $6.93M.
What is the long-term trend for BV Financial, Inc.'s reserve for ESOP debt retirement?
Over 2 years (2023 to 2025), BV Financial, Inc.'s reserve for ESOP debt retirement has grown at a -2.4% compound annual growth rate (CAGR), from $7.33M to $6.98M.
What does reserve for ESOP debt retirement mean?
This represents an equity adjustment or contra-equity account associated with debt incurred to fund an Employee Stock Ownership Plan. It reflects the commitment of the company to satisfy obligations related to employee share ownership programs. This metric is used to understand the impact of employee benefit structures on the company's total shareholders' equity.