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BVFL BV Financial Inc
Price (delayed)
$16.78
Market cap
$194.61M
P/E Ratio
14.34
Dividend/share
N/A
EPS
$1.17
Enterprise value
$135.39M
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 has dropped by 53% year-on-year
BV Financial's equity has increased by 8% YoY and by 2.1% QoQ
BVFL's price to earnings (P/E) is 41% higher than its last 4 quarters average of 10.2
The EPS is down by 25% year-on-year
Key stats
What are the main financial stats of BVFL
Market
Valuations
Earnings
Shares outstanding
11.6M
Market cap
$194.61M
Enterprise value
$135.39M
Price to earnings (P/E)
14.34
Price to book (P/B)
0.91
Price to sales (P/S)
5.02
EV/EBIT
7.7
EV/EBITDA
7.28
EV/Sales
3.56
Revenue
$38.03M
EBIT
$17.58M
EBITDA
$18.6M
Free cash flow
$15.18M
Per share
Balance sheet
Liquidity
EPS
$1.17
Free cash flow per share
$1.33
Book value per share
$18.42
Revenue per share
$3.34
TBVPS
$77.05
Total assets
$892.71M
Total liabilities
$682.98M
Debt
$34.85M
Equity
$209.73M
Working capital
N/A
Debt to equity
0.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.18
Margins
Efficiency
Dividend
EBITDA margin
48.9%
Gross margin
100%
Net margin
33.6%
Operating margin
46.2%
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
46.2%
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
3.64%
1 week
5.2%
1 month
8.19%
1 year
45.66%
YTD
18.34%
QTD
9.32%
Financial performance
How have BV Financial's revenue and profit performed over time
Revenue
$38.03M
Gross profit
$38.03M
Operating income
$17.58M
Net income
$12.78M
Gross margin
100%
Net margin
33.6%
BVFL's net income is down by 4.8% year-on-year
BVFL's operating income is down by 5% year-on-year
BV Financial's operating margin has decreased by 2.5% YoY
BVFL's revenue is down by 2.9% year-on-year
Growth
What is BV Financial's growth rate over time
Valuation
What is BV Financial stock price valuation
P/E
14.34
P/B
0.91
P/S
5.02
EV/EBIT
7.7
EV/EBITDA
7.28
EV/Sales
3.56
BVFL's price to earnings (P/E) is 41% higher than its last 4 quarters average of 10.2
The EPS is down by 25% year-on-year
The price to book (P/B) is 30% higher than the last 4 quarters average of 0.7
BV Financial's equity has increased by 8% YoY and by 2.1% QoQ
The P/S is 29% more than the last 4 quarters average of 3.9
BVFL's revenue is down by 2.9% year-on-year
Efficiency
How efficient is BV Financial business performance
BV Financial's return on equity has decreased by 42% YoY
The company's return on assets fell by 7% YoY
BV Financial's return on invested capital has decreased by 4.5% YoY
The ROS is down by 2.5% year-on-year
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 31% higher than its total liabilities
BV Financial's total liabilities has decreased by 7% YoY
BV Financial's total assets has decreased by 4.2% YoY
BVFL's debt is 83% smaller than its equity
The company's debt to equity has shrunk by 55% YoY
BVFL's debt has dropped by 53% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.