BVFL BV Financial Inc
Price (delayed)
$14.6
Market cap
$154.67M
P/E Ratio
13.27
Dividend/share
N/A
EPS
$1.1
Enterprise value
$134.06M
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
BVFL's debt is up by 43% since the previous quarter and by 34% year-on-year
The EPS is down by 25% year-on-year and by 6% since the previous quarter
Key stats
What are the main financial stats of BVFL
Market
Valuations
Earnings
Shares outstanding
10.59M
Market cap
$154.67M
Enterprise value
$134.06M
Price to earnings (P/E)
13.27
Price to book (P/B)
0.87
Price to sales (P/S)
4.47
EV/EBIT
8.17
EV/EBITDA
7.7
EV/Sales
3.54
Revenue
$37.9M
Gross profit
$37.9M
Operating income
$16.41M
Net income
$11.72M
EBIT
$16.41M
EBITDA
$17.41M
Free cash flow
$15.45M
Per share
Balance sheet
Liquidity
EPS
$1.1
EPS diluted
$1.09
Free cash flow per share
$1.33
Book value per share
$16.86
Revenue per share
$3.27
TBVPS
$77.3
Total assets
$911.82M
Total liabilities
$716.32M
Debt
$49.88M
Equity
$195.5M
Working capital
N/A
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.18
Margins
Efficiency
Dividend
EBITDA margin
45.9%
Gross margin
100%
Net margin
30.9%
Operating margin
43.3%
Return on assets
1.3%
Return on equity
5.8%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
43.3%
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
2.03%
1 week
4.14%
1 month
-6.35%
1 year
41.47%
YTD
-15.21%
QTD
-4.33%
Financial performance
How have BV Financial's revenue and profit performed over time
Revenue
$37.9M
Gross profit
$37.9M
Operating income
$16.41M
Net income
$11.72M
Gross margin
100%
Net margin
30.9%
BVFL's net income is down by 14% year-on-year and by 8% since the previous quarter
BVFL's net margin is down by 14% year-on-year and by 8% since the previous quarter
BV Financial's operating margin has decreased by 12% YoY and by 6% from the previous quarter
BVFL's operating income is down by 12% year-on-year and by 7% since the previous quarter
Growth
What is BV Financial's growth rate over time
Valuation
What is BV Financial stock price valuation
P/E
13.27
P/B
0.87
P/S
4.47
EV/EBIT
8.17
EV/EBITDA
7.7
EV/Sales
3.54
The EPS is down by 25% year-on-year and by 6% since the previous quarter
BVFL's price to earnings (P/E) is 11% higher than its last 4 quarters average of 11.7
BV Financial's equity has decreased by 7% QoQ
The price to book (P/B) is 6% higher than the last 4 quarters average of 0.8
The P/S is 4.3% more than the last 4 quarters average of 4.2
Efficiency
How efficient is BV Financial business performance
BV Financial's return on equity has decreased by 36% YoY and by 8% QoQ
The company's return on assets fell by 13% YoY and by 7% QoQ
The ROS is down by 12% year-on-year and by 6% since the previous quarter
BV Financial's return on invested capital has decreased by 9% YoY and by 4.8% QoQ
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 27% higher than its total liabilities
BV Financial's total liabilities has increased by 4.9% from the previous quarter and by 4.4% YoY
BV Financial's total assets has increased by 3% YoY and by 2.1% QoQ
BVFL's debt is 74% smaller than its equity
The company's debt to equity has surged by 53% QoQ and by 37% YoY
BVFL's debt is up by 43% since the previous quarter and by 34% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.