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Financials · BVFL

BV Financial Inc. (BVFL) financials

For the twelve months ended Jun 30, 2026, BV Financial Inc. reported $40.22M of revenue and $13.09M of net income.

Revenue, TTM
$40.22M
Revenue growth, YoY
+3.9%
Net income, TTM
$13.09M
Net income growth, YoY
+22.2%
Net margin
32.5%
Free cash flow, TTM
$17.67M
EPS, diluted, TTM
$1.48
EPS growth, YoY
+43.7%
Cash
$68.90M
P/E
14.19
P/S
4.62
Market cap
$185.7M
Annual revenue$39.62M
FY2022FY2025
Annual net income$13.49M
FY2022FY2025
Annual free cash flow$18.79M
FY2022FY2025

BVFL revenue and earnings growth

BVFL revenueQ2 2026$10.01M

Quarter YoY
+1.4%
QoQ
+3.8%
FY YoY
+5.1%

BVFL revenue was $10.01M in fiscal Q2 2026 (ended Jun 30, 2026), up 1.4% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $39.62M, up 5.1% from fiscal 2024. It rose in 2 of the last 3 fiscal years.

BVFL net incomeQ2 2026$3.46M

Quarter YoY
+21.0%
QoQ
+217.3%
FY YoY
+15.1%

BVFL net income was $3.46M in fiscal Q2 2026 (ended Jun 30, 2026), up 21.0% from a year earlier and up 217.3% from the prior quarter. For the full fiscal 2025 it was $13.49M, up 15.1% from fiscal 2024. It rose in 2 of the last 3 fiscal years.

BVFL EPSQ2 2026$0.42

Quarter YoY
+44.8%
QoQ
+223.1%
FY YoY
+31.2%

BVFL diluted EPS was $0.42 in fiscal Q2 2026 (ended Jun 30, 2026), up 44.8% from a year earlier and up 223.1% from the prior quarter. For the full fiscal 2025 it was $1.43, up 31.2% from fiscal 2024.

BVFL free cash flowQ2 2026$4.32M

Quarter YoY
+1.4%
QoQ
+17.5%
FY YoY
+21.6%

BVFL free cash flow was $4.32M in fiscal Q2 2026 (ended Jun 30, 2026), up 1.4% from a year earlier and up 17.5% from the prior quarter. For the full fiscal 2025 it was $18.79M, up 21.6% from fiscal 2024. It rose in each of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Revenue$39.62M$37.70M$37.99M$35.59M
Interest expense--$9.19M$3.43M
Pre-tax income$18.86M$16.41M$18.62M$14.55M
Income tax$5.37M$4.68M$4.92M$4.03M
Net income$13.49M$11.72M$13.71M$10.52M
EPS, basic$1.44$1.10$1.47$1.32
EPS, diluted$1.43$1.09$1.47$1.32
Diluted shares9.5M10.7M9.3M8.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Cash and equivalents$55.70M$70.50M$73.74M$68.65M
Goodwill$14.42M$14.42M$14.42M$14.42M
Total assets$912.21M$911.82M$885.25M$844.96M
Total debt$35.00M$49.88M$37.25M$49.04M
Total liabilities$728.41M$716.32M$686.19M$747.21M
Shareholders' equity$183.80M$195.50M$199.06M$97.75M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Operating cash flow$19.02M$16.06M$15.19M$9.71M
Capital expenditures$237.0K$611.0K$155.0K$502.0K
Free cash flow$18.79M$15.45M$15.04M$9.21M
Investing cash flow-$13.29M-$32.50M-$35.17M-$27.76M
Financing cash flow-$20.53M$13.19M$25.07M-$24.49M
Share repurchases$30.02M$17.70M--
Stock-based compensation$4.16M$1.91M$357.0K$258.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Revenue growth, YoY5.1%-0.8%6.7%-
Net income growth, YoY15.1%-14.5%30.2%-
EPS growth, YoY31.2%-25.9%11.4%-
Net margin34.1%31.1%36.1%29.6%
Free cash flow margin47.4%41.0%39.6%25.9%
Return on equity7.3%6.0%6.9%10.8%
Return on assets1.5%1.3%1.5%1.2%
Debt to equity0.190.260.190.50

Source: XBRL data BV Financial Inc. files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BVFL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BVFL$40.22M+3.9%$13.09M32.5%$185.7M
HSBC$68.27B+3.7%$23.13B33.9%$309.74B
EBC$1.19B+61.8%$381.02M32.1%$5.34B
AX$1.55B+23.0%$507.67M32.7%$5.33B
TFSL$343.73M+10.5%$102.06M29.7%$4.65B
PFS$924.11M+8.6%$310.15M33.6%$3.20B
BKU$1.13B+5.4%$273.97M24.3%$3.07B
CFFN$229.25M+19.4%$82.83M36.1%$1.08B

BVFL FAQ

8 questions
  • What is BVFL revenue?
    BV Financial Inc. (BVFL) reported $40.22M of revenue for the twelve months ended Jun 30, 2026. That is up 3.9% from the year before. Revenue for fiscal 2025 was $39.62M.
  • Is BVFL profitable?
    Yes. BV Financial Inc. earned $13.09M in net income for the twelve months ended Jun 30, 2026, a net margin of 32.5%.
  • How much cash and debt does BVFL have?
    BV Financial Inc. reported $68.90M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BVFL revenue growing?
    BV Financial Inc.'s revenue changed +5.1% in fiscal 2025, to $39.62M.
  • What is BVFL free cash flow?
    BV Financial Inc. generated $17.67M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $17.94M less capital expenditures.
  • What is BVFL earnings per share?
    Diluted earnings per share were $1.48 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BVFL last report financial results?
    The latest statements here come from BV Financial Inc.'s 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this BVFL financial data come from?
    Quantisnow builds these statements from the structured XBRL data BV Financial Inc. files with the SEC. It is provided for information only and is not investment advice.