BVFL
BV Financial, Inc. Common Stock
NASDAQ: BVFL · FINANCIAL SERVICES · BANKS - REGIONAL
$19.58
-0.31% today
Updated 2026-04-30
Market cap
$177.47M
P/E ratio
14.18
P/S ratio
4.14x
EPS (TTM)
$1.43
Dividend yield
—
52W range
$14 – $20
Volume
0.0M
BV Financial, Inc. Common Stock (BVFL) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.67M | $5.91M | $7.47M | $7.93M | $9.15M | $8.58M | $6.82M | $6.64M | $7.96M | $7.47M | $7.26M | $7.30M | $7.18M | $12.65M | $19.88M | $31.75M | $38.77M | $46.99M | $49.20M | $52.44M |
| Revenue growth (YoY) | — | +61.1% | +26.5% | +6.1% | +15.4% | -6.2% | -20.6% | -2.6% | +19.8% | -6.1% | -2.8% | +0.6% | -1.7% | +76.3% | +57.1% | +59.7% | +22.1% | +21.2% | +4.7% | +6.6% |
| Cost of revenue | — | $2.24M | $3.55M | $4.29M | $5.47M | $5.09M | $6.82M | $6.64M | $7.96M | $7.47M | $0.00 | $1.19M | $893000.00 | $1.85M | $3.60M | $4.31M | $4.47M | $9.14M | $11.29M | $12.27M |
| Gross profit | — | $3.67M | $3.92M | $3.64M | $3.68M | $3.49M | — | — | $5.83M | $6.35M | $7.26M | $6.11M | $6.29M | $10.80M | $16.28M | $27.44M | $34.30M | $37.84M | $37.90M | $40.17M |
| Gross margin | 0.0% | 62.1% | 52.5% | 45.9% | 40.2% | 40.6% | 0.0% | 0.0% | 73.2% | 85.0% | 100.0% | 83.8% | 87.6% | 85.4% | 81.9% | 86.4% | 88.5% | 80.5% | 77.0% | 76.6% |
| R&D | — | — | — | — | — | — | — | — | $0.00 | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $1.54M | $1.54M | $1.88M | $2.04M | $2.25M | $2.83M | — | — | $3.83M | $3.94M | $4.18M | $2.75M | $2.83M | $4.64M | $6.11M | $8.10M | $10.35M | $12.59M | $14.33M | $12.49M |
| Operating income | $866000.00 | $866000.00 | $704000.00 | $157000.00 | $-584000.00 | $-4.70M | $993000.00 | $1.11M | $1.16M | $845000.00 | $212000.00 | $1.02M | $1.18M | $3.34M | $8.99M | $12.82M | $14.55M | $18.62M | $16.41M | $16.98M |
| Operating margin | 23.6% | 14.7% | 9.4% | 2.0% | -6.4% | -54.7% | 14.6% | 16.7% | 14.5% | 11.3% | 2.9% | 14.0% | 16.4% | 26.4% | 45.2% | 40.4% | 37.5% | 39.6% | 33.3% | 32.4% |
| EBITDA | $3.28M | $1.04M | $976000.00 | $308000.00 | $-306000.00 | $-4.44M | $1.73M | $1.18M | $1.42M | $1.27M | $241000.00 | $1.26M | $1.39M | $3.74M | $9.69M | $13.85M | $15.60M | $19.67M | $17.41M | $17.57M |
| EBITDA margin | 89.5% | 17.6% | 13.1% | 3.9% | -3.3% | -51.7% | 25.4% | 17.7% | 17.8% | 17.0% | 3.3% | 17.3% | 19.4% | 29.5% | 48.7% | 43.6% | 40.2% | 41.9% | 35.4% | 33.5% |
| EBIT | $3.11M | $866000.00 | $704000.00 | $157000.00 | $-584000.00 | $-4.70M | $1.56M | $950000.00 | $1.14M | $1.02M | $0.00 | $1.02M | $1.18M | $3.34M | $8.99M | $12.82M | $14.55M | $18.62M | $16.41M | $16.99M |
| Interest expense | $2.24M | $2.24M | $3.46M | $4.29M | $5.14M | $4.37M | — | $4000.00 | $48000.00 | $46000.00 | $46000.00 | $784000.00 | $779000.00 | $1.74M | $2.90M | $3.73M | $3.43M | $9.19M | $11.49M | $12.81M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $562000.00 | $562000.00 | $439000.00 | $91000.00 | $-330000.00 | $-2.72M | $1.07M | $488000.00 | $689000.00 | $713000.00 | $-120000.00 | $653000.00 | $91000.00 | $2.47M | $7.64M | $9.44M | $10.52M | $13.71M | $11.72M | $13.49M |
| Net income growth (YoY) | — | +0.0% | -21.9% | -79.3% | -462.6% | -723.3% | +139.5% | -54.5% | +41.2% | +3.5% | -116.8% | +644.2% | -86.1% | +2617.6% | +209.1% | +23.5% | +11.5% | +30.2% | -14.5% | +15.1% |
| Profit margin | 15.3% | 9.5% | 5.9% | 1.1% | -3.6% | -31.7% | 15.7% | 7.3% | 8.7% | 9.5% | -1.7% | 8.9% | 1.3% | 19.5% | 38.5% | 29.7% | 27.1% | 29.2% | 23.8% | 25.7% |