BVFL · BV Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $2.05M | - | $5.17M | $3.94M | $2.70M | - | $5.24M | $4.72M | $3.60M | - |
| Interest Expense | - | - | - | - | - | - | - | $2.71M | $3.04M | - |
| Income Tax | $961.0K | - | $1.44M | $1.08M | $599.0K | - | $1.44M | $1.32M | $1.03M | - |
| Net Income | $1.09M | - | $3.73M | $2.86M | $2.10M | - | $3.80M | $3.40M | $2.57M | - |
| EPS - Basic | $0.13 | - | $0.41 | $0.29 | $0.21 | - | $0.35 | $0.32 | $0.24 | - |
| EPS - Diluted | $0.13 | - | $0.41 | $0.29 | $0.21 | - | $0.35 | $0.32 | $0.24 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $74.58M | $55.70M | $63.55M | $56.32M | $70.82M | $70.50M | $94.06M | $90.64M | $78.84M | $73.74M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $910.86M | $912.21M | $909.39M | $908.33M | $921.94M | $911.82M | $892.71M | $897.16M | $892.54M | $885.25M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $35.00M | $35.00M | $34.96M | $49.92M | $49.88M | $34.84M | $34.81M | $34.77M | $37.25M |
| Total Liabilities | $727.22M | $728.41M | $719.18M | $710.34M | $723.87M | $716.32M | $682.98M | $691.69M | $690.79M | $686.19M |
| Stockholders' Equity | $183.64M | $183.80M | $190.21M | $197.99M | $198.07M | $195.50M | $209.73M | $205.47M | $201.75M | $199.06M |
| Retained Earnings | $124.08M | $122.99M | $118.19M | $114.45M | $111.59M | $109.50M | $107.54M | $103.75M | $100.35M | $97.77M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.69M | - | - | - | $4.43M | - | - | - | $4.57M | - |
| Investing Cash Flow | $19.73M | - | - | - | ($10.00M) | - | - | - | ($3.28M) | - |
| Financing Cash Flow | ($4.54M) | - | - | - | $5.89M | - | - | - | $3.81M | - |
| CapEx | $7.0K | - | - | - | $217.0K | - | - | - | $435.0K | - |
| Free Cash Flow | $3.68M | - | - | - | $4.22M | - | - | - | $4.13M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 3.37 | - | - | - | 2.01 | - | - | - | 1.61 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 46.8% | - | 27.9% | 27.3% | 22.2% | - | 27.5% | 28.0% | 28.5% | - |
| Return on assets | 0.1% | - | 0.4% | 0.3% | 0.2% | - | 0.4% | 0.4% | 0.3% | - |
| Return on equity | 0.6% | - | 2.0% | 1.4% | 1.1% | - | 1.8% | 1.7% | 1.3% | - |
| Return on invested capital | - | - | 1.7% | 1.2% | 0.8% | - | 1.6% | 1.4% | 1.1% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.19 | 0.18 | 0.18 | 0.25 | 0.26 | 0.17 | 0.17 | 0.17 | 0.19 |
| Debt / Assets | - | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 1.7x | 1.2x | - |
| Equity multiplier | 4.96 | 4.96 | 4.78 | 4.59 | 4.65 | 4.66 | 4.26 | 4.37 | 4.42 | 4.45 |
| Liabilities / Assets | 0.80 | 0.80 | 0.79 | 0.78 | 0.79 | 0.79 | 0.77 | 0.77 | 0.77 | 0.78 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 147.2x | - | 39.3x | 52.5x | 72.7x | - | 43.9x | 37.2x | 43.0x | - |
| P / B | 0.9x | - | 0.8x | 0.8x | 0.8x | - | 0.8x | 0.6x | 0.5x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -23.9% | - | -1.3% | -16.6% | -25.1% | - | 43.7% | -9.5% | -16.4% | - |
| Net income growth (YoY) | -48.0% | - | -1.8% | -15.8% | -18.5% | - | 45.4% | -12.8% | -17.4% | - |
| EPS growth (YoY) | -38.1% | - | 17.1% | -9.4% | -12.5% | - | 6.1% | -38.5% | -42.9% | - |
| EPS CAGR (3y) | -32.4% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | -12.8% | - | - | - | 2.1% | - | - | - | 132.5% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -7.3% | -6.0% | -9.3% | -3.6% | -1.8% | -1.8% | 7.5% | 123.5% | 141.8% | - |
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing BV Financial against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Dec 28, 2018 | $0.0327 |
| Oct 30, 2018 | $0.0327 |
| Aug 7, 2018 | $0.0327 |
| Mar 3, 2010 | $0.0327 |
| Dec 4, 2009 | $0.0327 |
| Sep 2, 2009 | $0.0327 |
| Jun 3, 2009 | $0.0327 |
| Mar 4, 2009 | $0.0327 |
| Dec 4, 2008 | $0.0327 |
| Sep 4, 2008 | $0.0327 |
| Jun 3, 2008 | $0.0327 |
| Mar 4, 2008 | $0.0327 |
| Dec 4, 2007 | $0.0327 |
| Sep 5, 2007 | $0.0327 |
| Jun 6, 2007 | $0.0327 |
| Mar 6, 2007 | $0.0327 |
| Nov 28, 2006 | $0.0327 |