BVFL
BV Financial, Inc.
BVFL's fundamentals are strong: its operating margin rose 9 points to 47% and earnings per share grew 44%. At 14x earnings, it's trading below its usual 16x.
BVFL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BVFL's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BVFL.
BVFL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $20.61 | -2.1% |
| Current | 14x | $21.05 | — |
| Fair | 16x | $23.67 | +12% |
| Expensive | 19x | $28.33 | +35% |
Historical ranges are pointers, not guarantees.
BVFL's PE is in its cheap range at 14x.
BVFL Forward outlook
There aren't enough analyst estimates for BVFL to show an outlook.
BVFL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.48 | +44% |
| Q1 2026 | $1.35 | +27% |
| Q4 2025 | $1.43 | +31% |
| Q3 2025 | $1.09 | 0% |
| Q2 2025 | $1.03 | -5.5% |
| Q1 2025 | $1.06 | -18% |
| Q4 2024 | $1.09 | -26% |
BVFL earned $1.48 per share over the past year, up 44% from the year before.
BVFL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $10M | +1.4% |
| Q1 2026 | $9.6M | +5.1% |
| Q4 2025 | $10.5M | +9.2% |
| Q3 2025 | $10M | +0.4% |
| Q2 2025 | $9.9M | +3.8% |
| Q1 2025 | $9.2M | +7.4% |
| Q4 2024 | $9.7M | +0.5% |
| Q3 2024 | $10M | +2.5% |
BVFL's revenue has grown year over year for eight quarters in a row: $10M last quarter, up 1.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 47% | +7.4 points |
| Q1 2026 | 21% | -8.1 points |
| Q4 2025 | 67% | +38 points |
| Q3 2025 | 52% | -0.9 points |
| Q2 2025 | 40% | -9.8 points |
| Q1 2025 | 29% | -13 points |
| Q4 2024 | 29% | -12 points |
| Q3 2024 | 52% | +0.3 points |
BVFL's operating margin was 47% last quarter, up 7.4 points from the same quarter a year ago.
BVFL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.3M | +68% |
| Q1 2026 | $3.7M | -13% |
| Q4 2025 | $3.6M | -8.8% |
| Q3 2025 | $8.4M | +41% |
| Q2 2025 | $2.6M | +78% |
| Q1 2025 | $4.2M | +2.1% |
| Q4 2024 | $3.9M | +13% |
| Q3 2024 | $6M | +$55.2M |
BVFL's free cash flow was $20M over the past year, up 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BVFL.
BVFL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +96K shares |
| 1 year | -16% | -1.6M shares |
BVFL has 8M diluted shares, down 16% from a year ago, with $31M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $4.6M |
| Q1 2026 | $2M |
| Q4 2025 | $12M |
| Q3 2025 | $12.8M |
| Q2 2025 | $4.3M |
| Q1 2025 | $981,000 |
BVFL spent $31M buying back its own shares over the past year.
BVFL Net Leverage
BVFL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.3 | Neutral |
| Stochastic | 50.3 | Neutral |
BVFL's weekly RSI is 51 (neutral) and its Stochastic is 50 (neutral).
BVFL PE vs Financial Services Sector
| Metric | BVFL | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 8.5% above |
| PE % | 21 | 63 | 42 pts below |
BVFL is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
BVFL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.5 | 1.9% below |
| 20 week MA | $21.3 | 1.2% below |
| 50 week MA | $20.2 | 4.4% above |
| 100 week MA | $18.0 | 17% above |
| 200 week MA | $16.8 | 25% above |
BVFL has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 25% above its 200-week average.
BVFL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.1 | $16.0 | -6.5% |
| 2021 | $16.0 | $20.5 | +28% |
| 2022 | $20.5 | $25.0 | +22% |
| 2023 | $25.0 | $14.2 | -43% |
| 2024 | $14.2 | $17.4 | +22% |
| 2025 | $17.4 | $18.3 | +5.3% |
| 2026 YTD | $18.3 | $21.1 | +15% |
BVFL has finished higher in four of the last six years. It's up 15% so far in 2026.