BV Financial Inc
Research BV Financial Inc (BVFL) on Bullrun: valuation model: 12.5% overvalued, market cap USD 180.97M, P/E 14.0. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerBVFL
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.5% overvalued
- Market capUSD 180.97M
- P/E14.0
- Financial periodQ2 2026
- RevenueUSD 10.14M
- Net incomeUSD 3.46M
- Free cash flowUSD 4.32M
Valuation Snapshot
Bullrun's latest valuation model marks BV Financial Inc as 12.5% overvalued; latest market cap is USD 180.97M; P/E is 14.0.
Peer valuation comparison
Latest P/E is 13.98x versus a Financial Services sector median of 13.39x (4.4% above).
Latest P/E is 13.98x versus a United States median of 23.85x (41.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 39.66M | USD 13.50M | USD 18.79M | n/a | 1.43 | USD 55.71M | USD 35.00M | USD 183.80M |
| FY2024 | USD 37.70M | USD 11.72M | USD 15.45M | n/a | 1.09 | USD 70.50M | USD 49.88M | USD 195.50M |
| FY2023 | USD 37.80M | USD 13.71M | USD 15.04M | n/a | 1.47 | USD 73.74M | USD 37.25M | USD 199.07M |
| FY2022 | USD 35.34M | USD 10.52M | USD 9.21M | n/a | 1.32 | USD 68.65M | USD 49.04M | USD 97.75M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-09 | USD 180.97M | 14.0 | n/a | n/a |
| 2025 | 2025-12-31 | USD 160.59M | 12.4 | n/a | n/a |
| 2024 | 2024-12-31 | USD 183.31M | 15.7 | n/a | n/a |
| 2023 | 2023-12-29 | USD 161.31M | 7.9 | n/a | n/a |
| 2022 | 2022-12-30 | USD 60.19M | 17.1 | n/a | n/a |
| 2021 | 2021-12-31 | USD 48.39M | 15.3 | n/a | n/a |
About BV Financial Inc
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; personal credit cards;
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Frequently asked questions
Is BV Financial Inc overvalued or undervalued?
Bullrun's valuation model currently marks BV Financial Inc as 12.5% overvalued.
What is BV Financial Inc's market cap?
BV Financial Inc's market capitalization is USD 180.97M.
What is BV Financial Inc's P/E ratio?
BV Financial Inc's price-to-earnings (P/E) ratio is 14.0.
What does BV Financial Inc do?
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers noninterest-bearing and interest-bearing checking accounts and money market accounts, savings accounts, and certificates of deposits.