NASDAQ: BVFLBv Financial Inc Stock
$20.35+0.35 (+1.75%)
Updated Jun 15, 2026
BVFL Price
$20.35
Fair Value Price
$39.76
Market Cap
$176.21M
52 Week Low
$14.05
52 Week High
$20.75
P/E
14.75x
P/B
0.96x
P/S
3.91x
PEG
N/A
Dividend Yield
N/A
Revenue
$42.82M
Earnings
$12.49M
Gross Margin
100%
Operating Margin
42.54%
Profit Margin
29.2%
Debt to Equity
3.96
Operating Cash Flow
$18M
Beta
0.42
Next Earnings
Jul 16, 2026
Ex-Dividend
N/A
Next Dividend
N/A
BVFL Overview
BV Financial, Inc. functions as the parent entity for BayVanguard Bank, which furnishes a comprehensive array of financial solutions to both individual consumers and commercial enterprises across Maryland. The bank's deposit products include versatile options such as checking, money market, and savings accounts, in addition to certificates of deposit. Its lending activities are extensive, providing personal borrowers with various choices like real estate, home equity, construction, lot, auto, boat, and other general personal loans. For businesses, the institution extends commercial financing for equipment and installations, commercial real estate, construction projects, investment properties, lines of credit, and SBA loans, alongside specialized credit for short-term real estate acquisition, renovation, and sales ventures. Furthermore, the company offers an assortment of supplementary services, including ATM access, overdraft protection, safe deposit boxes, convenient bill payment, remote deposit capture, ACH origination, merchant services, and robust online banking platforms. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland, operating as a subsidiary under Bay-Vanguard, MHC.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine BVFL's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
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
D
BVFL
Ranked#259 of 283
Ranked#259 of 283
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $54.64 | B | |
| $29.48 | B | |
| $70.50 | B |
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BVFL News
Overview
Due Diligence Score
–
Industry Average (38)
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 ($20.35) is undervalued by 48.82% relative to our estimate of its Fair Value price of $39.76 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
BVFL ($20.35) is significantly undervalued by 48.82% relative to our estimate of its Fair Value price of $39.76 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
$20.35
Fair Value
$39.76
Undervalued by
48.82%
BVFL ($20.35) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
BVFL ($20.35) 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
14.75x
Industry
13.92x
Market
14.3x
BVFL is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BVFL is poor 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
0.96x
Industry
1.27x
BVFL is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
BVFL's financial health
Profit margin
Revenue
$9.7M
Net Income
$1.1M
Profit Margin
11.3%
BVFL's Earnings (EBIT) of $18.22M... 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
$910.9M
Liabilities
$727.2M
Debt to equity
3.96
BVFL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$3.7M
Investing
$19.7M
Financing
-$4.5M
BVFL's operating cash flow ($18.28M)... 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.