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BVFL BV Financial Inc
Price (delayed)
$15.59
Market cap
$177.53M
P/E Ratio
13.32
Dividend/share
N/A
EPS
$1.17
Enterprise value
$121.7M
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,
Highlights
BV Financial's equity has surged by 97% YoY
BVFL's debt has dropped by 53% year-on-year
BVFL's net income is down by 3.8% since the previous quarter but it is up by 2.5% year-on-year
BVFL's price to earnings (P/E) is 57% higher than its last 4 quarters average of 8.5
The EPS is down by 25% year-on-year and by 13% since the previous quarter
Key stats
What are the main financial stats of BVFL
Market
Valuations
Earnings
Shares outstanding
11.39M
Market cap
$177.53M
Enterprise value
$121.7M
Price to earnings (P/E)
13.32
Price to book (P/B)
0.86
Price to sales (P/S)
4.74
EV/EBIT
6.99
EV/EBITDA
6.63
EV/Sales
3.25
Revenue
$37.41M
EBIT
$17.42M
EBITDA
$18.36M
Free cash flow
-$39.6M
Per share
Balance sheet
Liquidity
EPS
$1.17
Free cash flow per share
-$3.48
Book value per share
$18.06
Revenue per share
$3.29
TBVPS
$77.52
Total assets
$897.16M
Total liabilities
$691.69M
Debt
$34.81M
Equity
$205.47M
Working capital
N/A
Debt to equity
0.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.04
Margins
Efficiency
Dividend
EBITDA margin
49.1%
Gross margin
100%
Net margin
33.9%
Operating margin
46.6%
Return on assets
1.4%
Return on equity
6.3%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
46.6%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
BVFL stock price
How has the BV Financial stock price performed over time
Intraday
2.43%
1 week
2.23%
1 month
4.91%
1 year
55.12%
YTD
9.94%
QTD
1.56%
Financial performance
How have BV Financial's revenue and profit performed over time
Revenue
$37.41M
Gross profit
$37.41M
Operating income
$17.42M
Net income
$12.67M
Gross margin
100%
Net margin
33.9%
BVFL's net income is down by 3.8% since the previous quarter but it is up by 2.5% year-on-year
BVFL's net margin is down by 3.4% since the previous quarter but it is up by 2.4% year-on-year
BVFL's operating income is down by 2.8% since the previous quarter
BV Financial's operating margin has decreased by 2.3% from the previous quarter
Growth
What is BV Financial's growth rate over time
Valuation
What is BV Financial stock price valuation
P/E
13.32
P/B
0.86
P/S
4.74
EV/EBIT
6.99
EV/EBITDA
6.63
EV/Sales
3.25
BVFL's price to earnings (P/E) is 57% higher than its last 4 quarters average of 8.5
The EPS is down by 25% year-on-year and by 13% since the previous quarter
BV Financial's equity has surged by 97% YoY
The price to book (P/B) is 23% higher than the last 4 quarters average of 0.7
The P/S is 35% more than the last 4 quarters average of 3.5
Efficiency
How efficient is BV Financial business performance
BV Financial's return on equity has decreased by 47% YoY and by 16% QoQ
The company's return on assets rose by 8% YoY but it fell by 7% QoQ
BV Financial's return on invested capital has increased by 5% YoY
The ROS is down by 2.3% since the previous quarter
Dividends
What is BVFL's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for BVFL.
Financial health
How did BV Financial financials performed over time
BV Financial's total assets is 30% higher than its total liabilities
BV Financial's total liabilities has decreased by 15% YoY
BV Financial's total assets has decreased by 2.6% YoY
BVFL's debt is 83% smaller than its equity
BV Financial's equity has surged by 97% YoY
The company's debt to equity has shrunk by 76% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.