BV Financial Inc. Common Stock (BVFL)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

BV Financial is a small bank holding company for BayVanguard Bank, with a $183.8M market cap and 99 employees. It takes deposits and makes real estate, commercial, auto and personal loans. There is no obvious wide moat; community banks compete on local relationships and service, but deposit franchises can be copied and scale is limited. The financials are mixed. At the close on 2026-10-13, the stock was $21.70. FairStock shows P/B 0.95 and P/E 14.37, so the market values it slightly below book and at a modest earnings multiple. ROE is only 6.87%, and ROCE is 1.47%, which are not compelling for a bank. Filed results show net income of $3.5M in fiscal Q2 2026 (quarter ended 2026-06-30), after $1.1M in fiscal Q1 2026 (quarter ended 2026-03-31). That is lumpy, though Q2 improved. For FY2025 (period ended 2025-12-31), net income was $13.5M and diluted EPS $1.43, versus net income of $11.7M and EPS $1.09 in FY2024. FY2023 net income was $13.7M and EPS $1.47, so progress is not linear. The Lynch category supplied is STALWART, based on 8.6% annual profit growth over three years, but recent quarterly volatility and the negative headline profit-growth field deserve attention. Piotroski is 6/9, a middling score. A below-book price can be a margin of safety if credit is clean, but the data lacks CET1, net interest margin, combined ratio and credit metrics. Without those, I cannot underwrite capital adequacy or loan-book risk. Modest valuation, modest returns; not a fat pitch, but worth watching.

In plain English: BV Financial is a small bank holding company for BayVanguard Bank, serving individuals and businesses with deposits and loans. It earns money, but returns are modest and profits have been uneven. The stock trades below the accounting value of its net assets and at a moderate price compared with earnings, so it looks roughly fair to mildly cheap, though important details about loan quality and capital are missing.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer