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BVFL
BV Financial, Inc.
NASDAQ· Financial Services· Banks - Regional· CUSIP 05603E208
$21.35-0.05%Price as of Aug 29, 18:39 UTC · updated once a day, after the close
Key metrics
- Market cap
- $180.85M
- P/E
- 14.3x
- Forward P/E
- —
- P/B
- 0.9x
- Dividend yield
- —
- Payout
- —
- EPS
- $1.49
- ROE
- 6.87%
- Profit margin
- 30.19%
- Revenue growth
- +5.50%
- Beta
- 0.06
- 52-week high
- $22.17
- 52-week low
- $14.60
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +56.8% over 5Y.
today you would have $1,597.49▲ +59.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 4 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Year-end price | $18.14 | $17.22 | $14.18 | $16.33 | |
| P/E | 12.5x | 12.7x | 15.8x | 9.6x | 12.4x |
| P/S | 4.1x | 4.0x | 4.8x | 4.2x | 3.7x |
| P/B | 0.9x | 0.9x | 0.9x | 0.8x | 1.3x |
| EPS | $1.43 |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$27.69
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$4.03
Earnings growing 2.7% a year plus a 0.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$19.94
Median P/E of 13.4 among peers in the sector.
Earnings
$18.67
Median P/E of 12.5 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$32.14
Cash flow growing 2.7% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| EBMTEagle Bancorp Montana, Inc. | $22.70 | 10.9x | 0.9x | 2.60% | 8.49% | $180.82M |
| ECBKECB Bancorp, Inc. | $20.74 | 15.0x | 1.0x | — | 6.56% | $181.22M |
| GPATGP-Act III Acquisition Corp. | $11.16 | 44.6x | — | — | — | $180.36M |
| DFDVDeFi Development Corp. | $5.58 |
About the company
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.
- 99
- Baltimore, United States
Company description provided by Yahoo Finance.