BV Financial, Inc. is the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland.
| Revenue (TTM) | $43.35M |
| Gross Profit (TTM) | $43.35M |
| EBITDA | — |
| Operating Margin | 47.60% |
| Return on Equity | 6.87% |
| Return on Assets | 1.47% |
| Revenue/Share (TTM) | $5.11 |
| Book Value | $22.86 |
| Price-to-Book | 0.99 |
| Price-to-Sales (TTM) | 4.17 |
| EV/Revenue | 4.488 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 44.80% |
| Quarterly Revenue Growth (YoY) | 5.50% |
| Shares Outstanding | $8.47M |
| Float | $6.71M |
| % Insiders | 25.66% |
| % Institutions | 38.49% |
Volatility is currently contracting
BVFL's Q2 earnings per share are aided by higher net interest income, improved margins and reduced borrowing costs, while lower loan balances and softer noninterest income weigh on performance.
BALTIMORE, MD / ACCESS Newswire / 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 June 30, 2025. Net income for the six-month period ended June 30, 2026 was $4.6 million or $0.55 per diluted share compared to net income of $5.0 million or $0.50 per diluted share for the six-month period ended June 30, 2025.
BayVanguard (BV) Financial is rated a buy, with 13% upside driven by undervalued excess capital and normalized earnings. BVFL's ROTCE appears mediocre at 7.8% due to a one-time $2.2M severance and surplus capital, but normalized ROA is strong at 1.45%. Current valuation discounts the potential for capital return; the operating bank's ROTCE is 11.35%, and the justified P/TBV is 1.25x.
BVFL's March-end quarter's earnings drop y/y due to a CEO exit payout, though core income improves and margins expand amid stable balance sheet trends.
BV Financial's rating upgrade reflects improving asset quality, declining non-performing assets, strong capital and liquidity and steady expansion in higher-yielding commercial loans.
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