NASDAQ · Banks - Regional · USD

BV Financial, Inc. (BVFL) Stock Analysis

BV Financial, Inc. (BVFL) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

BVFL

$22.10

+$0.32 (+1.47%)

Oct 21, 2026 · Market close

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Price History

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BVFL Key Statistics

As of Oct 21, 2026

Trading

Open: $21.95
Previous Close: $21.78
Day's Range: 21.69–22.18
52-Week Range: 14.60–22.17
Volume: 23.54K
Beta: 0.04

Valuation

Market Cap: $183.81M
P/E Ratio: 14.37
P/S ratio: 4.24
EPS (ttm): 1.51

Financials (FY)

Revenue (FY): $39.66M+5.18%
Net Income (FY): $13.50M+15.12%
Profit margin: 30.19%
Shares Outstanding: 8.47M
1-Year Return: +37.27%

Dividend and dates

Earnings Date: October 16, 2026estimated
Avg Volume: 16.28K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, BVFL closed at $22.10, +37.27% over 1 year.

BV Financial, Inc. (BVFL) has a market capitalization of $183.81M.

In fiscal 2025, BVFL reported revenue of $39.66M.

BVFL Stock Return by Calendar Year

BV Financial, Inc. (BVFL) 10-year return: what $10,000 became

1 year: $10,000 $13,727; +37.27%
5 years: $10,000 $16,942; +69.42%
10 years: $10,000 $53,179; +431.79%

If you had invested $10,000 in BV Financial, Inc. (BVFL) 10 years ago, at the close on October 21, 2016, it would have been worth $53,179 at the close on October 21, 2026: +431.79% in total, +18.19% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+59.71%−13.17%+21.83%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+21.83%
2025	+5.34%
2024	+21.44%
2023	−13.17%
2022	+24.38%
2021	+18.23%
2020	−1.45%
2019	+18.97%
2018	+59.71%
2017	+43.59%
2016 (partial year)	+3.90%

As of October 21, 2026.

BVFL Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$39.66M	$13.50M	34.0%
2024	$37.70M	$11.72M	31.1%
2023	$37.80M	$13.71M	36.3%
2022	$35.34M	$10.52M	29.8%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$39.66M	—	—	$13.50M	34.0%
2024	$37.70M	—	—	$11.72M	31.1%
2023	$37.80M	—	—	$13.71M	36.3%
2022	$35.34M	—	—	$10.52M	29.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

BVFL Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	BVFL	Banks - Regional median	vs median
P/E	14.37	12.03	19% above
P/S ratio	4.24	3.58	18% above
Profit margin	30.19%	29.44%	0.8 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

The market values BV Financial, Inc. (BVFL) at $183.81M. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 99 employees.

The most recent close on file for BVFL is $22.10, dated October 21, 2026. That is +$0.32 (+1.47%) against the previous close. The 52-week range on file runs from $14.60 to $22.17. The latest close sits 51.37% above that 52-week low.

Financial Health

In fiscal 2025, BV Financial, Inc. reported revenue of $39.66M. Against the prior fiscal year total of $37.70M, that is a change of +5.18%. Net income for the same year was $13.50M. That is +15.12% against the prior fiscal year. Profit margin runs at 30.19%. That is 0.8 percentage points above the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 1.51.

Across the 4 fiscal years on file, revenue moves from $35.34M in 2022 to $39.66M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

BVFL trades at a trailing price-to-earnings ratio of 14.37. That is 19.45% above the Banks - Regional median of 12.03. The price-to-sales ratio is 4.24. On price-to-sales that is 18.48% above the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Over the trailing twelve months the total return is +37.27%. Across 10 years the annualized return works out at +18.19%. Beta against the wider market is reported at 0.04. Daily returns over the trailing 10 years annualize to a volatility of 44.42%.

Growth & Income

The latest dividend on file for BVFL dates from 2018.

The strongest complete calendar year on file is 2018 at +59.71%; the weakest is 2023 at −13.17%. Of the 9 complete calendar years on file, 7 finished higher. 2026 is still running; the total return is +21.83% year to date.

Peer Comparison

BV Financial, Inc. (BVFL) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
BV Financial, Inc.	BVFL	$183.81M	14.4
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. BV Financial, Inc. trades at a P/E of 14.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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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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