# BV Financial Inc. (BVFL)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $190M  
**Price:** $20.23 (+2.17%)

> BV Financial Inc. is a bank holding company primarily engaged in the provision of financial services through its wholly-owned subsidiary. Its main function is offering banking products and services to individual and business customers. These products include personal and commercial loans, savings and checking accounts, as well as certificates of deposit. BV Financial Inc. plays a crucial role in supporting local communities by facilitating access to essential banking services that enable personal financial growth and business development. Operating within the financial services sector, BV Financial Inc. often impacts regional economic activity by extending credit to customers and offering competitive interest rates. In the broader financial market, the company serves as a stable intermediary that fosters economic stability and growth through its banking operations and customer-centric service approach. BV Financial Inc. benefits from a relationship-driven business model, emphasizing personalized service and a comprehensive understanding of its customer base's needs.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $40M | — | — | $13M | $1.43 |
| 2024 | $38M | — | — | $12M | $1.10 |
| 2023 | $38M | — | — | $14M | $1.47 |
| 2022 | $35M | — | — | $11M | $1.32 |
| 2021 | $28M | — | — | $9M | $1.32 |
| 2020 | $17M | — | — | $8M | $1.07 |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $912M | $728M | $184M | $56M | $35M |
| 2024 | $912M | $716M | $195M | $71M | $50M |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $21M | -$237,000 | $19M |
| 2024 | $15M | -$611,000 | $15M |
| 2023 | $16M | $489,000 | $15M |
| 2022 | $11M | $437,000 | $9M |
| 2021 | $13M | -$415,000 | $10M |
| 2020 | $5M | -$375,000 | $5M |

Source: [CompaniesByCap](https://companiesbycap.com/company/BVFL)