BVFL logo

BV FINANCIAL INC

BVFLNASDAQ
🏆 #3789 by market capUS Equity
$20.59▼ $0.35 (−1.69%)
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24h▼ 1.7%
7d▼ 1.9%
14d▼ 0.9%
30d▼ 1.6%
ytd▲ 8.9%
1y▲ 25.0%
🏦Market Cap
$178M
Small Cap
📈Revenue Growth (YoY)
+6.6%
Slowing
📊Gross Margin
79.0%
High
💵FCF Margin
38.8%
Strong
⚖️P/S Ratio
3.5x
Fair
Otter Score
80
Good

Trading Snapshot

Day Range
$20.47 – $20.84
52-Week Range
$14.60 – $22.17
Volume
$3.35B
Avg Volume
$3.26B
Shares Outstanding
8.7M
Next Earnings
Oct 23, 2026

Fundamentals Snapshot

Annual Revenue
$52M
Last Q Revenue
$14M
P/E Ratio
13.8
P/S Ratio
3.5x
EPS (TTM)
$1.56
Dividend Yield
0.00%
Dilution (1yr)
−20.9%

Why Investors Own BVFL

  • ✓High-growth profile — revenue up +8.0% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 47% gross margin and 26% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BVFL logo

BV FINANCIAL INC

BVFL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$52M▲ +6.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
76.6%▼ −0.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$17M▲ +3.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$19M▲ +21.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.6M▼ −20.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$21M▲ +$88K YoY
StockOtter · stockotter.space

About BV FINANCIAL INC

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts 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; personal credit cards; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
80/100

Analyst Price Target

ⓘ
Average Target
$24.00
▲ +16.6% Upside
High Target$27.53
Low Target$19.45
Based on 31 analysts

Latest News & Updates

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Reuters·2h ago

BV FINANCIAL INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Reuters·5h ago

Analysts lift BVFL price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

BV FINANCIAL INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.