NASDAQ: BVFLBv Financial Inc Stock
$14.11-0.11 (-0.77%)
Updated Jun 17, 2025
BVFL Price
$14.11
Fair Value Price
$34.53
Market Cap
$148.56M
52 Week Low
$11.38
52 Week High
$18.19
P/E
13.19x
P/B
0.75x
P/S
4.23x
PEG
N/A
Dividend Yield
N/A
Revenue
$38.26M
Earnings
$11.25M
Gross Margin
100%
Operating Margin
40.52%
Profit Margin
29.4%
Debt to Equity
3.66
Operating Cash Flow
$16M
Beta
0.42
Next Earnings
Jul 16, 2025
Ex-Dividend
N/A
Next Dividend
N/A
BVFL Overview
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine BVFL's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
BVFL
Ranked#182 of 297
Ranked#182 of 297
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $34.30 | A | |
| $36.09 | B | |
| $14.21 | B |
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BVFL News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how BVFL scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
BVFL ($14.11) is undervalued by 59.13% relative to our estimate of its Fair Value price of $34.53 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
BVFL ($14.11) is significantly undervalued by 59.13% relative to our estimate of its Fair Value price of $34.53 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
BVFL was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more BVFL due diligence checks available for Premium users.
Valuation
BVFL fair value
Fair Value of BVFL stock based on Discounted Cash Flow (DCF)
Price
$14.11
Fair Value
$34.53
Undervalued by
59.13%
BVFL ($14.11) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
BVFL ($14.11) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
BVFL was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
BVFL price to earnings (PE)
For valuing profitable companies with steady earnings
Company
13.19x
Industry
11.89x
Market
26.81x
BVFL is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BVFL is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
BVFL price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.75x
Industry
1.15x
BVFL is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
BVFL's financial health
Profit margin
Revenue
$8.9M
Net Income
$2.1M
Profit Margin
23.6%
BVFL's Earnings (EBIT) of $15.50M... subscribe to Premium to read more.
Interest Coverage Financials
BVFL's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$921.9M
Liabilities
$723.9M
Debt to equity
3.66
BVFL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.4M
Investing
-$10.0M
Financing
$5.9M
BVFL's operating cash flow ($15.93M)... subscribe to Premium to read more.
Debt Coverage Financials
BVFL vs Bank Stocks
Bv Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.