NASDAQ · Financial Statements

BV Financial, Inc. (BVFL) Financial Statements

$22.05 NASDAQ: BVFL Market Cap $186.78M

BV Financial, Inc. most recently reported annual revenue of $52.0M, net profit of $13.0M. Revenue grew at an average annual rate of 21.1% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

BV Financial, Inc.: Revenue rose from $7.0M in 2015 to $52.0M in 2025, a change of +642.9% over 9 years; net profit was positive in 8 of 10 reported years; operating margin moved from 0.0% to 32.4%, a shift of +32.4 percentage points; the most recent year shows net profit of $13.0M.

Income Statement — 10 Years (USD millions)

Metric2015201620172019202020212022202320242025
Revenue$7.0M$7.0M$7.0M$13.0M$20.0M$32.0M$39.0M$47.0M$49.0M$52.0M
Operating Expenses$7.0M$6.0M$6.0M$9.0M$11.0M$19.0M$24.0M$28.0M$33.0M$35.0M
Operating Profit$0$1.0M$1.0M$3.0M$9.0M$13.0M$15.0M$19.0M$16.0M$17.0M
Operating Margin0.0%14.0%16.4%26.4%45.2%40.4%37.5%39.6%33.4%32.4%
Other Income$0$0$0$0$0$0$0$0$0$2.0M
Interest$0$1.0M$1.0M$2.0M$3.0M$4.0M$3.0M$9.0M$11.0M$13.0M
Depreciation$0$0$0$0$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
Profit Before Tax$0$1.0M$1.0M$3.0M$9.0M$13.0M$15.0M$19.0M$16.0M$19.0M
Tax$45.7M$36.3M$92.3M$25.9M$15.0M$26.4M$27.7M$26.4M$28.5M$28.5M
Net Profit$0$1.0M$0$2.0M$8.0M$9.0M$11.0M$14.0M$12.0M$13.0M
EPS$-0.04$0.22$0.03$0.38$1.07$1.32$1.32$1.47$1.10$1.43
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$12.0M$12.0M$12.0M$12.0M$13.0M$13.0M$12.0M$13.0M$13.0M$14.0M$12.0M$13.0M
Operating Expenses$7.0M$8.0M$8.0M$7.0M$8.0M$10.0M$10.0M$9.0M$8.0M$9.0M$11.0M$8.0M
Operating Profit$5.0M$4.0M$4.0M$5.0M$5.0M$3.0M$3.0M$4.0M$5.0M$5.0M$2.0M$5.0M
Operating Margin41.0%33.1%31.1%38.7%40.8%22.7%21.7%30.3%39.2%37.4%12.6%37.3%
Interest$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M
Profit Before Tax$5.0M$4.0M$4.0M$5.0M$5.0M$3.0M$3.0M$4.0M$5.0M$7.0M$2.0M$5.0M
Tax$27.5M$25.2M$28.5M$28.0M$27.5M$31.4M$22.2M$27.3M$27.9M$31.9M$46.8M$26.8M
Net Profit$4.0M$3.0M$3.0M$3.0M$4.0M$2.0M$2.0M$3.0M$4.0M$5.0M$1.0M$3.0M
EPS$0.35$0.28$0.24$0.32$0.35$0.18$0.21$0.29$0.38$0.56$0.13$0.41

Over the 10 years reported for BV Financial, Inc., borrowings increased from $3.0M in 2015 to $35.0M in 2025, cash stood at $56.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.12 times.

Balance Sheet — 10 Years (USD millions)

Metric2015201620172019202020212022202320242025
Total Assets$169.0M$171.0M$167.0M$295.0M$817.0M$815.0M$845.0M$885.0M$912.0M$912.0M
Current Assets$14.0M$24.0M$24.0M$34.0M$127.0M$152.0M$105.0M$112.0M$100.0M$84.0M
Cash$-8.0M$10.0M$10.0M$24.0M$92.0M$111.0M$69.0M$74.0M$71.0M$56.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$1.0M$0$1.0M$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M
Fixed Assets$5.0M$4.0M$4.0M$6.0M$15.0M$15.0M$15.0M$14.0M$13.0M$12.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$5.0M$147.0M$144.0M$247.0M$643.0M$626.0M$703.0M$741.0M$773.0M$788.0M
Other Assets$0$0$0$1.0M$13.0M$14.0M$14.0M$14.0M$14.0M$14.0M
Total Liabilities$148.0M$150.0M$146.0M$229.0M$743.0M$732.0M$747.0M$686.0M$716.0M$728.0M
Current Liabilities$50.0M$143.0M$139.0M$221.0M$678.0M$680.0M$685.0M$634.0M$651.0M$676.0M
Borrowings$3.0M$3.0M$3.0M$6.0M$55.0M$37.0M$49.0M$37.0M$50.0M$35.0M
Other Liabilities$145.0M$147.0M$143.0M$223.0M$689.0M$695.0M$698.0M$649.0M$666.0M$693.0M
Equity$0$0$0$0$0$0$0$0$0$0
Reserves$21.0M$22.0M$22.0M$66.0M$74.0M$83.0M$98.0M$199.0M$195.0M$184.0M

For BV Financial, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $19.0M; free cash flow was positive in 10 of 10 years; financing activities used $6.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2015201620172019202020212022202320242025
Operating Cash Flow$1.0M$2.0M$2.0M$1.0M$5.0M$11.0M$10.0M$15.0M$16.0M$19.0M
Investing Cash Flow$-1.0M$-5.0M$2.0M$23.0M$32.0M$17.0M$-28.0M$-35.0M$-33.0M$-14.0M
Financing Cash Flow$0$1.0M$-4.0M$-7.0M$0$9.0M$-36.0M$-61.0M$1.0M$-6.0M
Net Cash Flow$0$-2.0M$0$18.0M$68.0M$19.0M$-43.0M$5.0M$-3.0M$-15.0M
Free Cash Flow$1.0M$1.0M$2.0M$1.0M$5.0M$10.0M$9.0M$15.0M$15.0M$19.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.29
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y35.02%
Return 3Y92.39%
Return 5Y69.61%

BV Financial, Inc. (BVFL) financials — frequently asked questions

What is BV Financial, Inc.'s annual revenue?

BV Financial, Inc. (BVFL) reported annual revenue of $52.0M in its most recent fiscal year.

What is BV Financial, Inc.'s net profit?

BV Financial, Inc. (BVFL) reported net profit of $13.0M in its most recent fiscal year.

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