BVFL BV Financial Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: BVFL

Price (delayed)

$14.66

Market cap

$170.03M

P/E Ratio

12.53

Dividend/share

N/A

EPS

$1.17

Enterprise value

$110.81M

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
The EPS is down by 25% year-on-year
BVFL's price to earnings (P/E) is 23% higher than its last 4 quarters average of 10.2
Sector: Financial Services
Industry: Banks - Regional
Website: https://www.bayvanguard.com
Peers: PNC MTB FITB KEY

Key stats

What are the main financial stats of BVFL
Market
Shares outstanding
11.6M
Market cap
$170.03M
Enterprise value
$110.81M
Valuations
Price to earnings (P/E)
12.53
Price to book (P/B)
0.8
Price to sales (P/S)
4.39
EV/EBIT
6.3
EV/EBITDA
5.96
EV/Sales
2.91
Earnings
Revenue
$38.03M
Gross profit
$38.03M
Operating income
$17.58M
Net income
$12.78M
EBIT
$17.58M
EBITDA
$18.6M
Free cash flow
$15.18M
Per share
EPS
$1.17
EPS diluted
$1.18
Free cash flow per share
$1.33
Book value per share
$18.42
Revenue per share
$3.34
TBVPS
$77.05
Balance sheet
Total assets
$892.71M
Total liabilities
$682.98M
Debt
$34.85M
Equity
$209.73M
Working capital
N/A
Liquidity
Debt to equity
0.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.18
Margins
EBITDA margin
48.9%
Gross margin
100%
Net margin
33.6%
Operating margin
46.2%
Efficiency
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
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
-0.68%
1 week
-4.81%
1 month
-1.28%
1 year
19.67%
YTD
-14.87%
QTD
-14.87%

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
BVFL's gross profit is down by 2.9% year-on-year
BV Financial's operating margin has decreased by 2.5% YoY

Growth

What is BV Financial's growth rate over time

Valuation

What is BV Financial stock price valuation
BVFL P/E details
P/E
12.53
P/B
0.8
P/S
4.39
EV/EBIT
6.3
EV/EBITDA
5.96
EV/Sales
2.91
The EPS is down by 25% year-on-year
BVFL's price to earnings (P/E) is 23% higher than its last 4 quarters average of 10.2
The price to book (P/B) is 14% 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 13% 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.