NASDAQ : BVFL
BV Financial, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 21.9 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 172.00M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 45.47M | 45.60M | 41.00M | 37.74M | 31.26M | 28.73M |
| Interest Income on Investments | 3.81M | 4.11M | 5.68M | 5.68M | 2.09M | 650.00K |
| Total Interest Income | 49.28M | 49.71M | 46.68M | 43.42M | 33.35M | 29.38M |
| Interest Paid on Deposits | 11.08M | 10.70M | 9.04M | 5.61M | 1.36M | 1.90M |
| Interest Paid on Borrowings | 728.00K | 2.10M | 2.45M | 3.58M | 2.07M | 1.84M |
| Total Interest Expense | 11.80M | 12.81M | 11.49M | 9.19M | 3.43M | 3.73M |
| Net Interest Income | 37.48M | 36.90M | 35.19M | 34.23M | 29.92M | 25.64M |
| Gain (Loss) on Sale of Assets | -159.00K | -32.00K | 188.00K | 246.00K | ||
| Other Non-Interest Income | 2.18M | 2.26M | 2.09M | 2.45M | 3.62M | 1.86M |
| Total Non-Interest Income | 2.47M | 2.72M | 2.51M | 3.76M | 4.33M | 2.37M |
| Revenues Before Loan Losses | 39.95M | 39.62M | 37.70M | 37.99M | 34.24M | 28.02M |
| Provision for Loan Losses | -1.90M | -2.43M | -203.00K | -45.00K | 1.04M | 575.00K |
| Revenue | 41.85M | 42.05M | 37.90M | 38.03M | 33.21M | 27.44M |
| Salaries and Employee Benefits | 11.99M | 11.89M | 11.93M | 11.39M | 9.87M | 7.50M |
| Federal Deposit Insurance | 340.00K | 330.00K | 326.00K | 336.00K | 219.00K | 190.00K |
| Amortization of Goodwill & Intangibles | 180.00K | 180.00K | 181.00K | 183.00K | 183.00K | 176.00K |
| Selling, General & Administrative | 9.01M | 8.83M | 6.60M | 5.20M | 4.40M | 4.76M |
| Other Non-Interest Expense | 2.00M | 1.94M | 2.45M | 2.12M | 2.75M | 1.59M |
| Total Non-Interest Expense | 23.52M | 23.19M | 21.50M | 19.41M | 18.39M | 14.45M |
| EBT Excluding Unusual Items | 18.33M | 18.86M | 16.41M | 18.62M | 14.81M | 12.99M |
| Other Unusual Items | 1.34M | |||||
| Pretax Income | 18.33M | 18.86M | 16.41M | 18.62M | 14.55M | 12.82M |
| Income Tax Expense | 5.54M | 5.37M | 4.68M | 4.92M | 4.03M | 3.38M |
| Net Income | 12.79M | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M |
| Net Income to Common | 12.79M | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M |
| Basic Shares Outstanding | 8.04M | 9.38M | 10.68M | 9.30M | 12.17M | 10.90M |
| Diluted Shares Outstanding | 8.23M | 9.46M | 10.71M | 9.34M | 12.20M | 10.93M |
| EPS (Basic) | 1.59 | 1.44 | 1.10 | 1.47 | 0.86 | 0.87 |
| EPS (Diluted) | 1.56 | 1.43 | 1.09 | 1.47 | 0.86 | 0.86 |
| Effective Tax Rate | 30.20% | 28.46% | 28.54% | 26.39% | 27.68% | 26.38% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 50.00M | 55.70M | 70.50M | 73.74M | 68.65M | 111.19M |
| Investment Securities | 35.44M | 17.71M | 19.95M | 14.01M | 9.36M | 3.20M |
| Mortgage-Backed Securities | 21.65M | 23.68M | 31.24M | 34.35M | 38.65M | |
| Total Investments | 35.44M | 39.37M | 43.63M | 45.25M | 43.72M | 41.85M |
| Gross Loans | 732.67M | 757.12M | 739.96M | 704.80M | 664.41M | 588.49M |
| Allowance for Loan Losses | -6.33M | -6.44M | -8.52M | -8.55M | -3.81M | -2.67M |
| Other Adjustments to Gross Loans | -2.20M | -2.20M | -1.47M | -1.39M | ||
| Net Loans | 726.34M | 748.48M | 729.24M | 696.25M | 659.13M | 584.44M |
| Property, Plant & Equipment | 12.04M | 13.20M | 14.15M | 15.38M | 15.79M | 16.25M |
| Goodwill | 14.42M | 14.42M | 14.42M | 14.42M | 14.42M | 14.42M |
| Other Intangible Assets | 516.00K | 651.00K | 831.00K | 1.01M | 1.20M | 1.29M |
| Accrued Interest Receivable | 3.07M | 3.15M | 3.16M | 3.28M | 2.95M | 2.58M |
| Long-Term Deferred Tax Assets | 7.52M | 7.56M | 8.90M | 8.97M | 9.11M | 8.32M |
| Other Real Estate Owned & Foreclosed | 159.00K | 170.00K | 1.99M | 1.99M | ||
| Other Long-Term Assets | 27.74M | 27.35M | 25.47M | 26.16M | 27.03M | 32.39M |
| Total Assets | 878.00M | 912.21M | 911.82M | 885.25M | 844.96M | 815.13M |
| Interest Bearing Deposits | 534.50M | 502.03M | 495.87M | 459.99M | 488.82M | 476.61M |
| Institutional Deposits | 35.70M | 25.90M | 32.10M | 28.60M | 28.40M | |
| Non-Interest Bearing Deposits | 139.45M | 138.36M | 129.72M | 142.03M | 167.20M | 175.02M |
| Total Deposits | 673.96M | 676.09M | 651.49M | 634.12M | 684.62M | 680.02M |
| Short-Term Borrowings | 15.00M | 12.00M | ||||
| Current Portion of Long-Term Debt | 10.00M | |||||
| Current Portion of Leases | 231.00K | |||||
| Long-Term Debt | 34.88M | 34.16M | 33.95M | 33.73M | ||
| Federal Home Loan Bank Debt, Long-Term | 5.00M | 25.00M | ||||
| Long-Term Leases | 520.00K | 967.00K | 1.16M | 645.00K | 1.23M | |
| Trust Preferred Securities | 3.09M | 3.09M | 3.09M | |||
| Other Long-Term Liabilities | 14.81M | 16.56M | 13.98M | 13.66M | 12.91M | 13.60M |
| Total Liabilities | 693.77M | 728.41M | 716.32M | 686.19M | 747.21M | 731.68M |
| Common Stock | 84.00K | 88.00K | 106.00K | 114.00K | 74.00K | 71.00K |
| Additional Paid-In Capital | 61.45M | 68.83M | 94.68M | 110.47M | 15.41M | 9.38M |
| Retained Earnings | 130.98M | 122.99M | 109.50M | 97.77M | 84.61M | 74.09M |
| Comprehensive Income & Other | -8.29M | -8.11M | -8.78M | -9.29M | -2.34M | -96.00K |
| Shareholders' Equity | 184.23M | 183.80M | 195.50M | 199.06M | 97.75M | 83.45M |
| Total Liabilities & Equity | 878.00M | 912.21M | 911.82M | 885.25M | 844.96M | 815.13M |
| Total Debt | 5.00M | 35.75M | 50.85M | 38.41M | 49.68M | 38.06M |
| Net Cash (Debt) | 45.00M | 19.95M | 19.65M | 35.33M | 18.97M | 73.13M |
| Net Cash Per Share | 5.47 | 2.11 | 1.83 | 3.78 | 1.55 | 6.69 |
| Filing Date Shares Outstanding | 7.82M | 8.08M | 9.89M | 11.38M | 11.36M | 10.93M |
| Total Common Shares Outstanding | 7.82M | 8.19M | 9.94M | 11.38M | 11.36M | 10.93M |
| Book Value Per Share | 23.55 | 22.45 | 19.67 | 17.50 | 8.61 | 7.64 |
| Tangible Book Value | 169.29M | 168.73M | 180.25M | 183.63M | 82.14M | 67.73M |
| Tangible Book Value Per Share | 21.64 | 20.61 | 18.13 | 16.14 | 7.23 | 6.20 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 13.49M | 11.72M | 13.71M | 10.52M | 9.44M | |
| Depreciation & Amortization | 813.00K | 1.00M | 1.05M | 1.04M | 1.02M | |
| Other Amortization | 165.00K | 570.00K | -319.00K | 155.00K | 155.00K | |
| Gain (Loss) on Sale of Assets | 32.00K | -897.00K | -12.00K | |||
| Gain (Loss) on Sale of Investments | 72.00K | -57.00K | -117.00K | -681.00K | -1.45M | |
| Provision for Credit Losses | -2.43M | -203.00K | -45.00K | 1.04M | 575.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 379.00K | |||||
| Accrued Interest Receivable | 673.00K | 2.23M | -299.00K | 852.00K | 1.33M | |
| Change in Other Net Operating Assets | 711.00K | -1.80M | 1.04M | -1.09M | 175.00K | |
| Other Operating Activities | 1.15M | 519.00K | 207.00K | -2.38M | -1.38M | |
| Operating Cash Flow | 19.02M | 16.06M | 15.19M | 9.71M | 10.58M | |
| Capital Expenditures | -237.00K | -611.00K | -155.00K | -502.00K | -415.00K | |
| Sale of Property, Plant and Equipment | 644.00K | 939.00K | ||||
| Cash Acquisitions | 8.52M | |||||
| Investment in Securities | 4.87M | 1.83M | -974.00K | -2.35M | -8.79M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -16.97M | -32.97M | -38.30M | -40.21M | 24.98M | |
| Other Investing Activities | -958.00K | -740.00K | 3.61M | 5.84M | 1.67M | |
| Investing Cash Flow | -13.29M | -32.50M | -35.17M | -27.76M | 17.45M | |
| Short-Term Debt Issued | 181.00K | 648.00K | 760.00K | |||
| Long-Term Debt Issued | 35.00M | 15.00M | 25.50M | 24.00M | ||
| Total Debt Issued | 35.00M | 15.18M | 25.50M | 24.65M | 760.00K | |
| Short-Term Debt Repaid | -376.00K | -410.00K | ||||
| Long-Term Debt Repaid | -50.00M | -3.09M | -37.50M | -12.00M | -17.85M | |
| Total Debt Repaid | -50.38M | -3.09M | -37.91M | -12.00M | -17.85M | |
| Net Debt Issued (Repaid) | -15.38M | 12.09M | -12.41M | 12.65M | -17.09M | |
| Issuance of Common Stock | 97.99M | 1.00K | 36.00K | |||
| Repurchase of Common Stock | -30.02M | -17.70M | -7.33M | |||
| Net Increase (Decrease) in Deposit Accounts | 24.60M | 17.46M | -50.17M | -35.66M | 5.29M | |
| Other Financing Activities | 270.00K | 1.35M | -3.02M | -1.48M | 2.93M | |
| Financing Cash Flow | -20.53M | 13.19M | 25.07M | -24.49M | -8.83M | |
| Net Cash Flow | -14.79M | -3.24M | 5.09M | -42.54M | 19.20M | |
| Free Cash Flow | 18.79M | 15.45M | 15.04M | 9.21M | 10.16M | |
| Free Cash Flow Margin | 44.68% | 40.77% | 39.54% | 27.74% | 37.04% | |
| Free Cash Flow Per Share | 1.99 | 1.44 | 1.61 | 0.76 | 0.93 | |
| Cash Interest Paid | 12.72M | 11.34M | 9.19M | 3.43M | 4.01M | |
| Cash Income Tax Paid | 3.01M | 5.89M | 4.92M | 4.03M | 2.14M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 173.34M | 174.16M | 195.76M | 161.31M | 283.93M | 219.65M |
| Last Close Price | 21.90 | 18.14 | 17.22 | 14.18 | 25.00 | 20.10 |
| PE Ratio | 14.16 | 12.91 | 16.70 | 11.77 | 26.98 | 23.27 |
| PS Ratio | 4.17 | 4.14 | 5.17 | 4.24 | 8.55 | 8.00 |
| PB Ratio | 0.93 | 0.95 | 1.00 | 0.81 | 2.90 | 2.63 |
| P/FCF Ratio | 9.73 | 9.27 | 12.67 | 10.73 | 30.82 | 21.61 |
| P/OCF Ratio | 9.73 | 9.15 | 12.19 | 10.62 | 29.23 | 20.77 |
| Debt / Equity Ratio | 0.03 | 0.20 | 0.26 | 0.19 | 0.51 | 0.46 |
| Debt / FCF Ratio | 1.90 | 3.29 | 2.55 | 5.39 | 3.75 | |
| Net Debt / Equity Ratio | -0.24 | -0.11 | -0.10 | -0.18 | -0.19 | -0.88 |
| Net Debt / FCF Ratio | -1.06 | -1.27 | -2.35 | -2.06 | -7.20 | |
| Return on Equity (ROE) | 6.83% | 7.12% | 5.94% | 9.24% | 11.62% | 11.99% |
| Return on Assets (ROA) | 1.43% | 1.48% | 1.31% | 1.58% | 1.27% | 1.16% |
| Earnings Yield | 7.06% | 7.75% | 5.99% | 8.50% | 3.71% | 4.30% |
| FCF Yield | 10.28% | 10.79% | 7.89% | 9.32% | 3.24% | 4.63% |
| Buyback Yield / Dilution | 17.27% | 11.69% | -14.66% | 23.46% | -11.65% | -0.20% |