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BV Financial Inc (BVFL)

BV Financial Inc. is the holding company for BayVanguard Bank, a U.S. banking organization that serves individuals and businesses. Through its banking subsidiary, the company provides a range of deposit products, including checking, savings, money market, and certificate of deposit accounts. Its lending activities cover real estate, home equity, construction, lot, auto, boat, and other personal loans, along with personal credit cards and commercial lending solutions such as equipment and installation financing, commercial real estate, construction, investment real estate, lines of credit, SBA loans, and short-term real estate project loans. BV Financial also supports customers with services such as ATM access, overdraft protection, safe deposit boxes, bill pay, positive pay, remote deposit capture, ACH origination, merchant services, and online banking. Founded in 1873 and headquartered in Baltimore, Maryland, the company is listed on NASDAQ as common stock.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-BVFL
$20.89
-0.9% Downside
Fair
—
—
—
Good
—
—
—
0.0%
July 24, 2026
13.7x
0.9x
4.0x
169 M
—
17.4%
84.2%
-0.3
—
143.2%
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Valuation • Fair Value

BV Financial Inc (NASDAQ-BVFL) Fair Value by Valuation Model

Compare the primary fair value estimate for BV Financial Inc (NASDAQ-BVFL) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$20.89

Estimated downside of 0.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$17.14

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$20.89

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for BV Financial Inc (NASDAQ-BVFL) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for BV Financial Inc (NASDAQ-BVFL)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

42.824 M

Current operating scale indicator.

Revenue Forecast

45.204 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review BV Financial Inc (NASDAQ-BVFL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for BV Financial Inc (NASDAQ-BVFL)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-0.3

Lower score that deserves closer risk review.

FCF / Net Income

143.2%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for BV Financial Inc (NASDAQ-BVFL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for BV Financial Inc (NASDAQ-BVFL)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for BV Financial Inc (NASDAQ-BVFL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

BV Financial Inc (NASDAQ-BVFL) Stock Forecast & Technical Outlook

Review BV Financial Inc (NASDAQ-BVFL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for BV Financial Inc (NASDAQ-BVFL) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Sell

The 1-hour technical read for BV Financial Inc (NASDAQ-BVFL) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for BV Financial Inc (NASDAQ-BVFL) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for BV Financial Inc (NASDAQ-BVFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for BV Financial Inc (NASDAQ-BVFL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for BV Financial Inc (NASDAQ-BVFL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for BV Financial Inc (NASDAQ-BVFL) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

BV Financial Inc (NASDAQ-BVFL) Stock FAQ

Quick answers about BV Financial Inc (NASDAQ-BVFL) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$20.89
Estimated downside 0.9%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for BV Financial Inc (NASDAQ-BVFL) is $20.89. This implies an estimated downside of 0.9% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

An analyst price target for BV Financial Inc (NASDAQ-BVFL) is not currently available in the latest data file.

The current financial health read for BV Financial Inc (NASDAQ-BVFL) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for BV Financial Inc (NASDAQ-BVFL) is July 24, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for BV Financial Inc (NASDAQ-BVFL) is 13.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for BV Financial Inc is 169 M.

The ticker symbol for BV Financial Inc is NASDAQ-BVFL, and the stock is listed on NASDAQ.

BV Financial Inc (NASDAQ-BVFL) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for BV Financial Inc is 17.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for BV Financial Inc is 84.2%. Free float helps investors understand how much of the share base is available for public trading.

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