BV Financial, Inc.
General ticker "BVFL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $158.1M (TTM average)
BV Financial, Inc. follows the US Stock Market performance with the rate: 44.2%.
Estimated limits based on current volatility of 1.0%: low 21.45$, high 21.87$
Factors to consider:
- Total employees count: 102 (-8.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Loan defaults, Real estate values, Market competition, IT system failures
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.01$, 21.00$]
- 2026-12-31 to 2027-12-31 estimated range: [16.13$, 21.36$]
Financial Metrics affecting the BVFL estimates:
- Positive: with PPE of 10.0 at the end of fiscal year the price was neutral
- Positive: 11.37 < Operating cash flow per share per price, % of 12.35
- Positive: Operating profit margin, % of 44.66 > 33.79
- Positive: Interest expense per share per price, % of 8.31 <= 10.35
- Positive: -11.23 < Investing cash flow per share per price, % of -8.63
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
Short-term BVFL quotes
Long-term BVFL plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $37.99MM | $37.70MM | $39.62MM |
| Operating Expenses | $20.50MM | $22.43MM | $21.93MM |
| Operating Income | $17.48MM | $15.27MM | $17.70MM |
| Non-Operating Income | $1.14MM | $1.13MM | $1.17MM |
| Interest Expense | $9.19MM | $11.49MM | $12.81MM |
| Income(Loss) | $18.62MM | $16.41MM | $18.86MM |
| Taxes | $4.92MM | $4.68MM | $5.37MM |
| Net Income(Loss)* | $13.71MM | $11.72MM | $13.49MM |
| Stockholders Equity | $199.06MM | $195.50MM | $183.80MM |
| Assets | $885.25MM | $911.82MM | $912.21MM |
| Operating Cash Flow | $15.19MM | $16.06MM | $19.02MM |
| Capital expenditure | $0.15MM | $0.61MM | $0.24MM |
| Investing Cash Flow | $-35.17MM | $-32.50MM | $-13.29MM |
| Financing Cash Flow | $25.07MM | $13.19MM | $-20.53MM |
| Earnings Per Share** | $1.47 | $1.10 | $1.60 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.