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BVFL BV Financial Inc
- Stocks
- Financial Services
- NASDAQ: BVFL
Price (delayed)
$15.16
Market cap
$159.62M
P/E Ratio
14.17
Dividend/share
N/A
EPS
$1.07
Enterprise value
$138.72M
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 44% year-on-year
The EPS is down by 20% year-on-year and by 2.7% since the previous quarter
Key stats
What are the main financial stats of BVFL
Market
Valuations
Earnings
Shares outstanding
10.53M
Market cap
$159.62M
Enterprise value
$138.72M
Price to earnings (P/E)
14.17
Price to book (P/B)
0.81
Price to sales (P/S)
4.2
EV/EBIT
8.95
EV/EBITDA
8.41
EV/Sales
3.63
Revenue
$38.26M
Gross profit
$38.26M
Operating income
$15.5M
Net income
$11.25M
EBIT
$15.5M
EBITDA
$16.49M
Free cash flow
$15.54M
Per share
Balance sheet
Liquidity
EPS
$1.07
EPS diluted
$1.06
Free cash flow per share
$1.47
Book value per share
$18.7
Revenue per share
$3.61
TBVPS
$85.59
Total assets
$921.94M
Total liabilities
$723.87M
Debt
$49.92M
Equity
$198.07M
Working capital
N/A
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.27
Margins
Efficiency
Dividend
EBITDA margin
43.1%
Gross margin
100%
Net margin
29.4%
Operating margin
40.5%
Return on assets
1.2%
Return on equity
5.6%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
40.5%
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
2.4%
1 week
6.01%
1 month
-3.13%
1 year
28.69%
YTD
-11.96%
QTD
-0.66%
Financial performance
How have BV Financial's revenue and profit performed over time
Revenue
$38.26M
Gross profit
$38.26M
Operating income
$15.5M
Net income
$11.25M
Gross margin
100%
Net margin
29.4%
BVFL's net margin is down by 16% year-on-year and by 4.9% since the previous quarter
BVFL's net income is down by 15% year-on-year and by 4.1% since the previous quarter
BV Financial's operating margin has decreased by 15% YoY and by 6% from the previous quarter
BVFL's operating income is down by 13% year-on-year and by 5% since the previous quarter
Price vs fundamentals
How does BVFL's price correlate with its fundamentals
Growth
What is BV Financial's growth rate over time
Valuation
What is BV Financial stock price valuation
P/E
14.17
P/B
0.81
P/S
4.2
EV/EBIT
8.95
EV/EBITDA
8.41
EV/Sales
3.63
The EPS is down by 20% year-on-year and by 2.7% since the previous quarter
BVFL's price to earnings (P/E) is 7% higher than its last 4 quarters average of 13.3
The P/S is 4.5% less than the last 4 quarters average of 4.4
Efficiency
How efficient is BV Financial business performance
BV Financial's return on equity has decreased by 25% YoY and by 3.4% QoQ
The company's return on assets fell by 20% YoY and by 8% QoQ
The ROS is down by 15% year-on-year and by 6% since the previous quarter
BV Financial's return on invested capital has decreased by 14% YoY and by 10% 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 4.8% YoY
BV Financial's total assets has increased by 3.3% YoY
BVFL's debt is 75% smaller than its equity
The company's debt to equity rose by 47% YoY but it fell by 3.8% QoQ
BVFL's debt is up by 44% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.