BV Financial, Inc. (BVFL) Stock

BV Financial, Inc. (BVFL) is a Financials stock trading at $21.59 (as of 2026-09-02), with a market capitalization of $182.88M and a trailing P/E of 14.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

BV Financial, Inc. is a holding company for BayVanguard Bank, providing deposit products and lending services to individuals and businesses in Maryland. Services include checking, savings, money market, and certificates of deposit, along with residential, commercial, and SBA loans, plus banking options such as online banking, bill pay, and remote deposit capture.

Understand BV Financial, Inc.: how it makes money

BV Financial is the holding company for BayVanguard Bank, a community bank in Maryland earning its income from interest on real estate, commercial, and personal loans plus deposit fees. The business is a single-state, branch-based lender whose revenue turns entirely on the spread between Maryland borrowing rates and local deposit costs.

Every dollar of profit is the gap between what a Maryland borrower pays on a loan and what a local depositor is paid, so the entire P&L hinges on that interest rate spread staying wide.

Business quality (Solid): A stable, if unexciting, community bank with an efficient cost base and a manageable single-state loan book.

Valuation: At 14× earnings, BVFL trades in line with the Banking average (13×).

Bull case

  • Lean cost structure: A 42% operating margin (10-Q) indicates BayVanguard runs a tight operation relative to its revenue base, so the interest spread on Maryland loans translates into profit without needing volume growth to cover overhead.

Bear case

  • Premium without growth engine: At 13.8× earnings versus the 13× banking industry average (valuation), the stock carries a 7% premium that typically requires above-peer growth or sustained margin expansion to justify over a full earnings cycle.
Valuation — source: SEC EDGAR (first-party)
Price$21.59
Market Cap$182.88M
P/E Ratio14.0
EV / EBITDA5.8
Price / Book1.00
Price / Sales3.99
FCF Yield10.3%
DCF Value (model)$20.06
DCF Upside vs Price-7.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$45.60M
Net Margin29.6%
Revenue Growth (YoY)-1.5%
EPS Growth (YoY)48.3%
FCF Growth (YoY)67.9%
Valuation vs Sector & Industry
Stock P/E14.0
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector-6.3%
vs Industry10.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($15.15M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOTimothy L. Prindle
Employees109
CountryUS
IPO Date2005-02-17

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BVFL earnings history · BVFL institutional & insider holders · BVFL KPIs & operating metrics · BVFL financials · BVFL investor presentations & press releases · BVFL SEC filings · BVFL peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.