Stocktoria

BV Financial, Inc. BVFL

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2005-01-14

BV Financial, Inc. statistics & valuation

Market cap$189.0M
P / E14.0×
P / B1.0×
P / FCF10.1×
Return on equity7.3%
Net cash$20.7M
Enterprise value USD$168.3M
Graham number +17.7%$25.01

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($25.01); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
10.80% 6.90% 6.00% 7.30% 2022202320242025
Shares outstanding
8.0M 11.4M 10.7M 9.5M 2022202320242025
Net debt ($)
-$19.6M -$36.5M -$20.6M -$20.7M 2022202320242025
Share buybacks ($)
2022202320242025
Return on assets (%)
1.20% 1.50% 1.30% 1.50% 2022202320242025
Free cash flow margin (%)
2022202320242025
Debt / equity (×)
0.50× 0.19× 0.26× 0.19× 2022202320242025
EPS ($)
$1.32 $1.47 $1.09 $1.43 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

BV Financial, Inc. trades at about 14.9× earnings — near its 10-year norm (10-year range 9.5×–14.9×, median 14×).

9.5× 14.9×

Shaded band = 10-year range (9.5×–14.9×); dot = today's 14.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Return on assets1.5%1.3%1.5%1.2%
Return on equity7.3%6.0%6.9%10.8%
Debt / equity0.19×0.26×0.19×0.50×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.