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Company Analysis

BV Financial, Inc. BVFL

A comprehensive view of key metrics, scores, and financial health for BV Financial, Inc.

Overview of BV Financial, Inc.

BVFL NCM
Financial Services Banks - Regional Micro Cap
BV Financial, Inc. (BVFL), is a Micro Cap company, in the Banks - Regional industry, last closed at $18.85, about 21.8% undervalued vs fair value, +24.8% 1Y return, placing in the top 10% of its sector.
$18.85
0.16%
As of March 13, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$167.84M
Enterprise Value
$197.22M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bayvanguard.com
HQ Baltimore, MD
Employees 102
Fiscal year Dec 31

Next Events

Earnings Apr 6 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$23
$43
Current: $18.85 +22% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$46.7M
7.5%%
Interest Expense
$12.8M
Net Interest Income
$35.2M
2.8%%
Total Revenue
$52.4M
39.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.0%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$60.5M
516.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
1
High Impact
0
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BV Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BVFL's balance between Growth (19.6%), Profitability (43.8%), and Safety (36.6%). Growth 20% Safety 37% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

29th percentile vs peers
29
Key Signals
Rev Growth YoY 39.1% 33p Revenue CAGR 3Y 14.1% 33p Asset Growth YoY 0.0% 19p
Strengths
  • Roa in top 20% of peers (1.3%, 81th percentile)
  • Operating Margin in top 20% of peers (32.4%, 81th percentile)
  • Net Profit Margin in top 20% of peers (25.7%, 81th percentile)
  • Roa in top 20% of peers (1.3%, 81th percentile)
Risks
  • Asset Growth Yoy in bottom 20% of peers (0.0%)
  • Growth below peer median (percentile: 29)

Profitability

65th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for BV Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$22.95
- - -
+21.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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