profit from every $100 of sales.
$0$100
BV Financial
$21.92+1.62% today
+30.5% in 1 year
1-year low $16.801-year high $22.57
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.76 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What BV Financial sold, what it kept, and what it did with the cash.
Sales went from $35.3 million in 2022 to $39.7 million in 2025, with $13.5 million of profit last year.
SalesProfit
BV Financial handed back more cash to shareholders than it generated last year.
Buybacks $30M
Free cash flow 2025$19M
Bought back its own shares$30M
Paid as dividends–
Cash vs. debt$56M vs. $35M
BV Financial vs. similar companies
BV Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| BV Financial | 13.8× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads BV Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 35 | 38 | 38 | 40 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 11 | 14 | 12 | 13 | |
| 1.32 | 1.47 | 1.10 | 1.43 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.8% | 36.3% | 31.1% | 34.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 845 | 885 | 912 | 912 |
| Cash | 69 | 74 | 71 | 56 |
| Total debt | 49 | 37 | 50 | 35 |
| Total liabilities | 747 | 686 | 716 | 728 |
| 98 | 199 | 195 | 184 | |
| 8 | 9 | 11 | 9 | |
| – | – | – | – | |
| 10.8% | 6.9% | 6.0% | 7.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 10 | 15 | 16 | 19 | |
| 1 | 0 | 1 | 0 | |
| 9 | 15 | 15 | 19 | |
| Dividends paid | – | – | – | – |
| – | 0 | 18 | 30 | |
| 0 | 1 | 2 | 4 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.8×
- –
- 5.09
- 0.9×
- 4.7×
- 7.3%
- 0.0%
Profitability
- 34.0%
- 1.2%
- 6.4%
- 6.6%
- 1.4%
Growth
- +3.9%
- +2.7%
- –
- +4.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 31%of 843
Top 31%of 730
Top 50%of 866
Bottom 33%of 862
Top 25%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.40 | – | – |
| Jan 23, 2026 | 0.65 | – | – |
| Oct 17, 2025 | 0.49 | – | – |
| Jul 17, 2025 | 0.38 | – | – |
| Apr 17, 2025 | 0.30 | – | – |
| Mar 27, 2025 | 0.18 | – | – |
| Oct 21, 2024 | 0.35 | – | – |
| Jul 18, 2024 | 0.32 | – | – |
News
AP Top Extended Financial Headlines at 3:45 a.m. ESTYahoo Finance · Nov 10, 2026AP Top Financial News at 3:45 a.m. ESTYahoo Finance · Nov 10, 2026‘I have no financial safety net’: I’m 66, rely on Social Security and have just $500 in savings. What hope do I have?MarketWatch · Nov 8, 2026Everyday People Financial reports Q3 resultsSeeking Alpha · Nov 7, 2026Velocity Financial Non-GAAP EPS of $0.76 beats by $0.05, revenue of $102.1M beats by $49.24MSeeking Alpha · Nov 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
59No pass
Benjamin Graham
74Pass
Philip Fisher
58No pass
Peter Lynch
24No pass
Joel Greenblatt
16No pass
Charlie Munger
51No pass
Terry Smith
51No pass
Questions about BV Financial
Is BV Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the BV Financial AI analysis
What does BV Financial do?
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. It is in Banks - Regional.
Does BV Financial pay a dividend?
No. BV Financial does not pay a dividend at the moment; in 2025 it returned $30.0 million to shareholders by buying back its own shares.
Is BV Financial stock halal?
No. BV Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has BV Financial stock done over the past year?
Up 30.5% over the past twelve months, to $21.92. It traded between $16.80 and $22.57 and is 2.9% below its high.
Who are BV Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with BV Financial's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.