BV Financial, Inc.
BVFLNasdaq
$21.49
↓ -1.4%Jul 17 close · end-of-day
Price
1Y↑ +39.8%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$175.3M
Enterprise Value
$100.7M
P/E
15.9
P/S
—
P/B
1.0
EV/EBITDA
—
PEG
5.9
FCF Yield
10.2%
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$12.5M
Free Cash Flow (TTM)
$17.9M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
6.8%
ROIC
—
Debt / Equity
—
Net Cash
$74.6M
Return 1Y
+37.0%
Company profile
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking 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.
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Headquarters
- Maryland
- Website
- bayvanguard.com
Management & directors
- Searcy Rose M.EVP, Human Resources
- Dee Michael JEVP and CFO
Roles derived from SEC Form 4 filings.
Earnings
BVFL Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.13↓ -38.1%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $10.5M | $13.7M | $11.7M | $13.5M |
| Diluted EPS | $1.32 | $1.47 | $1.09 | $1.43 |
| Operating cash flow | $9.7M | $15.2M | $16.1M | $19.0M |
| Free cash flow | $9.2M | $15.0M | $15.5M | $18.8M |
| Gross margin | — | — | — | — |
| Operating margin | — | — | — | — |
| Net margin | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $3.4M | $3.8M | $2.0M | $2.1M | $2.9M | $3.7M | $4.8M | $1.1M |
| Diluted EPS | $0.32 | $0.35 | $0.18 | $0.21 | $0.29 | $0.41 | $0.52 | $0.13 |
| Operating cash flow | $1.5M | $6.1M | $3.9M | $4.8M | $2.3M | $8.4M | $3.4M | $3.7M |
| Free cash flow | $1.4M | $6.0M | $3.9M | $4.6M | $2.2M | $8.4M | $3.3M | $3.7M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Apr 30, 2026
Apr 7, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-12 | Galli Joseph S | Sale | 2,014 | $19.81 | $39,897.34 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 579 | $19.80 | $11,464.20 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 291 | $19.96 | $5,808.36 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 100 | $19.82 | $1,981.50 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 64 | $19.88 | $1,272.00 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 30 | $19.84 | $595.20 | filing |
| 2026-06-12 | Galli Joseph S | Sale | 2 | $19.86 | $39.71 | filing |
| 2026-06-11 | Galli Joseph S | Sale | 8,122 | $19.84 | $161,140.48 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 1,349 | $19.95 | $26,912.55 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 1,176 | $19.75 | $23,226.00 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 1,068 | $19.87 | $21,221.16 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 404 | $19.85 | $8,019.40 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 316 | $19.77 | $6,247.32 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 284 | $19.76 | $5,611.84 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 242 | $19.80 | $4,791.60 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 44 | $19.90 | $875.60 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 39 | $19.98 | $779.22 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 36 | $19.86 | $714.78 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 24 | $19.77 | $474.36 | filing |
| 2026-06-10 | Galli Joseph S | Sale | 18 | $19.99 | $359.73 | filing |
| 2026-06-09 | Galli Joseph S | Sale | 2,194 | $19.80 | $43,441.20 | filing |
| 2026-06-09 | Galli Joseph S | Sale | 1,834 | $19.70 | $36,129.80 | filing |
| 2026-06-09 | Galli Joseph S | Sale | 438 | $19.73 | $8,641.74 | filing |
| 2026-06-09 | Galli Joseph S | Sale | 266 | $19.77 | $5,257.49 | filing |
| 2026-06-09 | Galli Joseph S | Sale | 130 | $19.74 | $2,566.20 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.