BV Financial, Inc. (BVFL)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1302387 · fiscal year ends in Dec
Closing price $21.97 on 30 Oct 2026; 52-week range $16.30 to $22.38.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $40.2M
- Revenue growth
- 3.9%
- Net income, last twelve months
- $13.1M
- Earnings per share
- $1.52
- Net margin
- 32.5%
- Return on equity
- 7.1%
- Market value
- $187.2M
- Price to earnings
- 14.5x
- Cash
- $68.9M
- Debt
- $0
- Debt to equity
- 0.00
- Shares outstanding
- 8.5M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $39.6M | – | $13.5M | $1.43 | $18.8M | 10-K filed 27 Mar 2026 |
| FY2024 | 31 Dec 2024 | $37.7M | – | $11.7M | $1.09 | $15.5M | 10-K filed 27 Mar 2025 |
| FY2023 | 31 Dec 2023 | $38.0M | – | $13.7M | $1.47 | $15.0M | 10-K filed 22 Mar 2024 |
| FY2022 | 31 Dec 2022 | $35.6M | – | $10.5M | $1.32 | $9.2M | 10-K filed 22 Mar 2024 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $10.0M | $3.5M | $0.42 |
| Q1 FY2026 | 31 Mar 2026 | $9.6M | $1.1M | $0.13 |
| Q4 FY2025 | 31 Dec 2025 | $10.5M | $4.8M | $0.56 |
| Q3 FY2025 | 30 Sep 2025 | $10.0M | $3.7M | $0.41 |
| Q2 FY2025 | 30 Jun 2025 | $9.9M | $2.9M | $0.29 |
| Q1 FY2025 | 31 Mar 2025 | $9.2M | $2.1M | $0.21 |
| Q4 FY2024 | 31 Dec 2024 | $9.7M | $2.0M | $0.18 |
| Q3 FY2024 | 30 Sep 2024 | $10.0M | $3.8M | $0.35 |
Company events
The newest 8-K filings of 57 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 23 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 1 Jun 2026 | 8-K | Other events | 8.01 |
| 8 May 2026 | 8-K | Shareholder vote | 5.07 |
| 6 May 2026 | 8-K | Other events | 8.01 |
| 24 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Feb 2026 | 8-K | Auditor change | 4.01, 9.01 |
| 23 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Jan 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 20 Oct 2025 | 8-K | Results | 2.02, 9.01 |
| 18 Jul 2025 | 8-K | Results | 2.02, 9.01 |
| 9 May 2025 | 8-K | Shareholder vote | 5.07 |
Every filing
The newest filings with the SEC of 156 held.
| Filed | Form | Period |
|---|---|---|
| 23 Oct 2026 | 8-K | 23 Oct 2026 |
| 12 Aug 2026 | 10-Q | 30 Jun 2026 |
| 24 Jul 2026 | 8-K | 24 Jul 2026 |
| 7 Jul 2026 | 11-K | 31 Dec 2025 |
| 30 Jun 2026 | NT 11-K | 31 Dec 2025 |
| 1 Jun 2026 | 8-K | 1 Jun 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 8 May 2026 | 8-K | 7 May 2026 |
| 6 May 2026 | 8-K | 5 May 2026 |
| 24 Apr 2026 | DEFA14A | – |
| 24 Apr 2026 | 8-K | 24 Apr 2026 |
| 2 Apr 2026 | ARS | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 579 | $19.80 | $11.5K | 2,501 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 2,014 | $19.81 | $39.9K | 487 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 100 | $19.82 | $2.0K | 387 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 30 | $19.84 | $595 | 357 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 2 | $19.86 | $40 | 355 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 64 | $19.88 | $1.3K | 291 | 15 Jun 2026 |
| 12 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 291 | $19.96 | $5.8K | 0 | 15 Jun 2026 |
| 11 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 8,122 | $19.84 | $161.1K | 3,080 | 15 Jun 2026 |
| 10 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 1,176 | $19.75 | $23.2K | 15,026 | 11 Jun 2026 |
| 10 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 284 | $19.76 | $5.6K | 14,742 | 11 Jun 2026 |
| 10 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 24 | $19.77 | $474 | 14,718 | 11 Jun 2026 |
| 10 Jun 2026 | Galli Joseph S, Director | Sale outside a trading plan | 316 | $19.77 | $6.2K | 14,402 | 11 Jun 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 1 Jun 2026 | Galli Joseph S, Director | 21,500 | $423.8K | 22 May 2026 |
| 26 May 2026 | Galli Joseph S, Director | 9,672 | $189.8K | 26 May 2026 |
| 25 Feb 2026 | Galli Joseph S, Director | 48,841 | $931.9K | 25 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | AllianceBernstein L.P. | 13G amended | 8.8% | 764.9K |
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 11 Feb 2026 | BayVanguard Bank Employee Stock Ownership Plan Trust | 13G amended | 9.6% | 853.9K |
| 4 Dec 2025 | AllianceBernstein L.P. | 13G amended | 10.3% | 912.8K |
| 14 Nov 2025 | Fourthstone LLC | 13G amended | 2.99% | 297.6K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 90.4K | -20.76% | 4.69 |
| 30 Sep 2026 | 114.1K | -11.17% | 4.98 |
| 15 Sep 2026 | 128.4K | -16.35% | 7.31 |
| 31 Aug 2026 | 153.5K | +31.54% | 13.86 |
| 14 Aug 2026 | 116.7K | +9.21% | 10.56 |
| 31 Jul 2026 | 106.9K | -1.09% | 6.55 |
| 15 Jul 2026 | 108.1K | +4.49% | 9.03 |
| 30 Jun 2026 | 103.4K | -7.51% | 2.75 |
Funds that hold it
From each fund's latest Form 13F.
73 funds held it at 30 Jun 2026: 38 added and 16 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| AllianceBernstein L.P. | 764,934 | $14.6M | -70,231 |
| BlackRock, Inc. | 593,526 | $12.6M | +26,181 |
| Vanguard Capital Management LLC | 305,938 | $6.5M | -65,519 |
| Geode Capital Management, LLC | 174,351 | $3.7M | +8,843 |
| Gendell Jeffrey L | 141,262 | $3.0M | 0 |
| Oppenheimer & Close, LLC | 134,533 | $2.8M | 0 |
| Dimensional Fund Advisors LP | 128,692 | $2.7M | +7,759 |
| Arrowstreet Capital, Limited Partnership | 115,248 | $2.4M | 0 |
| State Street Corp. | 100,798 | $2.1M | -5,244 |
| Stilwell Value LLC | 80,000 | $1.7M | -10,000 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $293.3B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.1B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.1B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.6B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $774.2M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $589.6M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $543.9M