Company research
BV Financial, Inc.
CIK 1302387Updated Sep 24, 2026
SecurityBVFL · NASDAQ · equity
BVFL price & chart
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NASDAQ:BVFL on TradingView ↗About the company
BV Financial, Inc. is the parent company of BayVanguard Bank. The Bank is headquartered in Baltimore, Maryland with fifteen branches in the Baltimore metropolitan area and the eastern shore of Maryland. The Bank is a full-service community-oriented financial institution dedicated to serving the financial service needs of consumers and businesses.
In the news
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Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
11-K filing
NT 11-K filing
Other Events
Items 8.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 912,213,000Source | 911,821,000Source | 885,254,000Source | 844,963,000Source |
| Property, Plant and Equipment, NetUSD | 12,493,000Source | 13,224,000Source | 14,250,000Source | 15,176,000Source |
| GoodwillUSD | 14,420,000Source | 14,420,000Source | 14,420,000Source | 14,420,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 651,000Source | 831,000Source | 1,012,000Source | 1,195,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 55,705,000Source | 70,500,000Source | 73,742,000Source | 68,652,000Source |
| Operating Lease, Right-of-Use AssetUSD | 709,000Source | 926,000Source | 1,128,000Source | 617,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 728,409,000Source | 716,322,000Source | 686,189,000Source | 747,212,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | — | — |
| Common Stock, Value, IssuedUSD | 88,000Source | 106,000Source | 114,000Source | 74,000Source |
| Retained Earnings (Accumulated Deficit)USD | 122,990,000Source | 109,495,000Source | 97,772,000Source | 84,612,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -1,130,000Source | -1,621,000Source | -1,958,000Source | -2,341,000Source |
| Stockholders' Equity Attributable to ParentUSD | 183,804,000Source | 195,499,000Source | 199,065,000Source | 97,751,000Source |
| Additional Paid in Capital, Common StockUSD | 68,834,000Source | 94,679,000Source | 110,465,000Source | 15,406,000Source |
| Liabilities and EquityUSD | 912,213,000Source | 911,821,000Source | 885,254,000Source | 844,963,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | 413,000Source | 413,000Source | 413,000Source | — |
| Long-term DebtUSD | 35,000,000Source | 49,883,000Source | 37,251,000Source | 49,039,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 13,495,000Source | 11,723,000Source | 13,707,000Source | 10,524,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 4,160,000Source | 1,911,000Source | 357,000Source | 258,000Source |
| Deferred Income Tax Expense (Benefit)USD | 1,150,000Source | -58,000Source | 207,000Source | 308,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 19,024,000Source | 16,063,000Source | 15,194,000Source | 9,714,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -13,293,000Source | -32,497,000Source | -35,173,000Source | -27,761,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 237,000Source | 611,000Source | 155,000Source | 502,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 30,023,000Source | 17,705,000Source | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -20,526,000Source | 13,192,000Source | 25,069,000Source | -24,491,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 12,719,000Source | 11,342,000Source | 9,190,000Source | 3,431,000Source |
| Income Taxes Paid, NetUSD | 3,014,000Source | — | — | — |
| Additional Financial Items | ||||
| Accretion ExpenseUSD | — | — | — | 190,000Source |
| Amortization of Debt Issuance CostsUSD | 117,000Source | 155,000Source | 156,000Source | 155,000Source |
| Amortization of Intangible AssetsUSD | 180,000Source | 181,000Source | 183,000Source | 183,000Source |
| Bank Owned Life Insurance IncomeUSD | 383,000Source | 400,000Source | 641,000Source | 1,492,000Source |
| DepreciationUSD | 793,000Source | 822,000Source | 869,000Source | 860,000Source |
| Equipment ExpenseUSD | 370,000Source | 396,000Source | 425,000Source | 436,000Source |
| Gain (Loss) on Disposition of AssetsUSD | -32,000Source | — | 188,000Source | 246,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | — | 1,000Source |
| Gain (Loss) on Disposition of Assets for Financial Service OperationsUSD | -32,000Source | — | 188,000Source | — |
| GoodwillUSD | 14,420,000Source | 14,420,000Source | 14,420,000Source | 14,420,000Source |
| Income Tax Expense (Benefit)USD | 5,368,000Source | 4,683,000Source | 4,915,000Source | 4,029,000Source |
| Net Income (Loss) Attributable to ParentUSD | 13,495,000Source | 11,723,000Source | 13,707,000Source | 10,524,000Source |
| Other Interest and Dividend IncomeUSD | 2,600,000Source | 4,046,000Source | 4,154,000Source | 1,236,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | 97,990,000Source | 0Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 20,638,000Source | 12,091,000Source | 5,456,000Source | 7,860,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | 1,000Source |
| Provision for Loan, Lease, and Other LossesUSD | -2,168,000Source | -347,000Source | 42,000Source | 1,038,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | -2,429,000Source | -203,000Source | -45,000Source | 1,038,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 18,863,000Source | 16,406,000Source | 18,622,000Source | 14,553,000Source |
| Income Tax Expense (Benefit)USD | 5,368,000Source | 4,683,000Source | 4,915,000Source | 4,029,000Source |
| Net Income (Loss) Attributable to ParentUSD | 13,495,000Source | 11,723,000Source | 13,707,000Source | 10,524,000Source |
| Earnings Per Share, BasicUSD per share | 1.44Source | 1.1Source | 1.47Source | 1.32Source |
| Earnings Per Share, DilutedUSD per share | 1.43Source | 1.09Source | 1.47Source | 1.32Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 9,380,000Source | 10,679,000Source | 9,303,000Source | 7,950,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 9,458,000Source | 10,710,000Source | 9,341,000Source | 7,972,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 180,000Source | 181,000Source | 183,000Source | 183,000Source |
| Bank Owned Life Insurance IncomeUSD | 383,000Source | 400,000Source | 641,000Source | 1,492,000Source |
| Current Income Tax Expense (Benefit)USD | 4,218,000Source | 4,741,000Source | 4,708,000Source | 3,721,000Source |
| Equipment ExpenseUSD | 370,000Source | 396,000Source | 425,000Source | 436,000Source |
| Interest ExpenseUSD | — | — | 9,190,000Source | 3,430,000Source |
| InterestExpenseOperatingUSD | 12,806,000Source | 11,495,000Source | — | — |
| Interest Income (Expense), NetUSD | 36,901,000Source | 35,187,000Source | 34,229,000Source | 29,920,000Source |
| Interest Income, OperatingUSD | 49,707,000Source | 46,682,000Source | 43,419,000Source | 33,350,000Source |
| Labor and Related ExpenseUSD | 16,237,000Source | 14,005,000Source | 12,257,000Source | 10,130,000Source |
| Lease IncomeUSD | 172,000Source | 168,000Source | 163,000Source | — |
| Other Interest and Dividend IncomeUSD | 2,600,000Source | 4,046,000Source | 4,154,000Source | 1,236,000Source |
Filing attachments
bvfl-ex99_1.htm · 8-K · 2026-07-24
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 24, 2026 - BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.5 million, or $0.42 per diluted share, for the quarter ended June 30, 2026 compared to net income of $2.9 million, or $0.29 per diluted share, for the quarter ended…
Read attachment ↗bvfl-ex99_1.htm · 8-K · 2026-04-24
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, April 24, 2026 - BV Financial, Inc. (NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $1.1 million or $0.13 per diluted share for the quarter ended March 31, 2026 compared to net income of $2.1 million or $0.21 per diluted share for the quart…
Read attachment ↗bvfl-ex99_1.htm · 8-K · 2026-01-23
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, January 23, 2026 - BV Financial, Inc. ( NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $13.5 million, or $1.43 per diluted share, for the year ended December 31, 2025 compared to net income of $11.7 million, or $1.10 per diluted share, for …
Read attachment ↗bvfl-ex99_1.htm · 8-K · 2025-10-20
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Announces Adoption and Regulatory Non-Objection For Stock Repurchase Program Baltimore, Maryland, October 17, 2025 - BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.7 million, or $0.41 per diluted share, for the quarter ended September 30, 2025 com…
Read attachment ↗bvfl-ex99_1.htm · 8-K · 2025-07-18
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 17, 2025 - BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $2.9 million, or $0.29 per diluted share, for the quarter ended June 30, 2025 compared to net income of $3.4 million, or $0.32 per diluted share, for the quarter ended…
Read attachment ↗bvfl-ex99_1.htm · 8-K · 2025-04-18
EX-99.1 2 bvfl-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, April 17, 2025 - BV Financial, Inc. (NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $2.1 million or $0.21 per diluted share for the quarter ended March 31, 2025 compared to net income of $2.6 million or $0.24 per diluted share for the quart…
Read attachment ↗