BV Financial, Inc. (BVFL) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, BV Financial reported revenue of $39.6M, up 5.1% from $37.7M the year before. Net income was $13.5M (a 34.1% net margin), or $1.43 per diluted share. Net interest income was $36.9M, and the efficiency ratio (noninterest expense / revenue) was 58.5%. Operating activities generated $19.0M of cash, leaving $18.8M of free cash flow. At fiscal year end, BV Financial held $912.2M in total assets against $728.4M in total liabilities, including $55.7M of cash and equivalents.
Open the full interactive BV Financial financials → Quarterly statements, key ratios, valuation history and price charts.
BV Financial Key Stats
| Share Price | $21.70 |
|---|---|
| Market Cap | $179.1M |
| P/E Ratio | 15.2 |
| Revenue YoY Growth | +5.1% |
| 52-Week Range | $14.63 – $21.88 |
| Shares Outstanding | 8.0 million (basic, 2026 Q2) |
BV Financial Income Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Net Interest Income | $34.2M | $35.2M | $36.9M |
| Provision for Credit Losses | $42,000 | -$347,000 | -$2.4M |
| Noninterest Income | $3.8M | $2.5M | $2.7M |
| Noninterest Expense | $19.4M | $21.5M | $23.2M |
| Revenue | $38.0M | $37.7M | $39.6M |
| Pre-Tax Income | $18.6M | $16.4M | $18.9M |
| Income Tax | $4.9M | $4.7M | $5.4M |
| Net Income | $13.7M | $11.7M | $13.5M |
| Diluted EPS | $1.47 | $1.09 | $1.43 |
BV Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $10.0M | $10.5M | $9.6M | $10.0M |
| Net Income | $3.7M | $4.8M | $1.1M | $3.5M |
| Diluted EPS | $0.41 | $0.51 | $0.13 | $0.42 |
BV Financial Balance Sheet
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Cash & Equivalents | $73.7M | $70.5M | $55.7M |
| Total Assets | $885.3M | $911.8M | $912.2M |
| Deposits | $634.1M | $651.5M | $676.1M |
| Total Long-Term Debt | $37.3M | $49.9M | $35.0M |
| Total Liabilities | $686.2M | $716.3M | $728.4M |
| Shareholders' Equity | $199.1M | $195.5M | $183.8M |
BV Financial Cash Flow Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Cash From Operations | $15.2M | $16.1M | $19.0M |
| Cash From Investing | -$35.2M | -$32.5M | -$13.3M |
| Cash From Financing | $25.1M | $13.2M | -$20.5M |
| Free Cash Flow | $15.0M | $15.5M | $18.8M |
Figures from BV Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full BV Financial financials page for every line item.
BV Financial Company Profile
| Ticker | BVFL |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Baltimore, Maryland |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001302387 |
Frequently Asked Questions
What was BV Financial's revenue in fiscal 2025?
BV Financial (BVFL) reported revenue of $39.6M for fiscal 2025.
What is BV Financial's annual revenue history?
BV Financial's annual revenue by fiscal year: 2023: $38.0M; 2024: $37.7M; 2025: $39.6M.
What was BV Financial's net income in fiscal 2025?
BV Financial reported net income of $13.5M for fiscal 2025.
What was BV Financial's earnings per share (EPS) in fiscal 2025?
BV Financial's diluted EPS was $1.43 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did BV Financial generate in fiscal 2025?
BV Financial generated $18.8M of free cash flow in fiscal 2025.
What was BV Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), BV Financial reported revenue of $10.0M.
How much debt does BV Financial have?
BV Financial reported $35.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of BV Financial are outstanding?
BV Financial reported a weighted average of 8.0 million basic shares outstanding in 2026 Q2.
What is BV Financial's market cap?
Based on its latest closing price, BV Financial (BVFL) has a market capitalization of about $179.1M.
When does BV Financial's fiscal year end?
BV Financial's fiscal year end, as registered with the SEC, is December 31.
Where is BV Financial headquartered?
BV Financial lists its business address in Baltimore, Maryland in its SEC filings.
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