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Upturn AI SWOT - About
BV Financial, Inc. Common Stock (BVFL)
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Upturn Advisory Summary
08/28/2025: BVFL (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 88.28% | Avg. Invested days 68 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 160.35M USD | Price to earnings Ratio 14.37 | 1Y Target Price - |
Price to earnings Ratio 14.37 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.1 | 52 Weeks Range 11.96 - 18.19 | Updated Date 06/29/2025 |
52 Weeks Range 11.96 - 18.19 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.06 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.4% | Operating Margin (TTM) 31.85% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 5.63% |
Valuation
Trailing PE 14.37 | Forward PE - | Enterprise Value 130717848 | Price to Sales(TTM) 4.19 |
Enterprise Value 130717848 | Price to Sales(TTM) 4.19 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA - | Shares Outstanding 10528700 | Shares Floating 7832882 |
Shares Outstanding 10528700 | Shares Floating 7832882 | ||
Percent Insiders 19.39 | Percent Institutions 43.62 |
Upturn AI SWOT
BV Financial, Inc. Common Stock
Company Overview
History and Background
BV Financial, Inc. operates as the bank holding company for BayVanguard Bank. Founded in 1884, BayVanguard Bank provides community banking services in the Baltimore-Washington Metropolitan area. It started as a savings bank and has evolved into a full-service commercial bank.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals.
- Mortgage Lending: Originates residential mortgage loans for purchase or refinance.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments such as lending, retail banking, and operations, all reporting to the executive team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate Loans account for a significant portion of the loan portfolio. Market share data is not readily available at the individual product level. Competitors include other regional and national banks such as PNC and M&T Bank.
- Residential Mortgages: Offerings includes fixed-rate and adjustable-rate mortgages. Market share data is not readily available. Competitors include national mortgage lenders such as Rocket Mortgage and local credit unions.
- Deposit Accounts: Including checking, savings, and money market accounts. Market share data is difficult to obtain at the micro-regional level BV operates in. Competitors include Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focusing on customer service and local relationships to differentiate themselves.
Positioning
BV Financial, Inc. is a community bank focused on serving the Baltimore-Washington Metropolitan area. Its competitive advantage lies in its local focus and personalized service.
Total Addressable Market (TAM)
The TAM for community banking in the Baltimore-Washington Metropolitan area is estimated at billions of dollars. BV Financial, Inc. has a small percentage of this TAM, positioning it for growth but also indicating significant competition.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Lower technology investment compared to bigger players
Opportunities
- Expansion into new markets within the region
- Increased demand for community banking services
- Adoption of new technologies to improve efficiency
- Partnerships with fintech companies
Threats
- Competition from larger banks
- Economic downturn affecting loan demand
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- PNC (PNC)
- M&T Bank (MTB)
- Bank of America (BAC)
Competitive Landscape
BV Financial, Inc. faces competition from larger banks with greater resources. Its advantage lies in its local focus and personalized service, but it needs to invest in technology to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: BV Financial, Inc. has experienced moderate growth in recent years, driven by loan growth and deposit growth.
Future Projections: Future growth projections are not readily available and depend on economic conditions and strategic initiatives.
Recent Initiatives: Recent initiatives have included expanding into new markets and investing in technology to improve customer service.
Summary
BV Financial, Inc. is a small community bank with a strong local presence. It benefits from personalized service and a solid asset base but faces challenges from larger competitors and the need to invest in technology. Its growth potential depends on its ability to expand into new markets and adapt to changing industry dynamics. Overall, BV Financial, Inc. is performing adequately but needs to focus on innovation and efficiency to thrive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BV Financial, Inc. Common Stock
Exchange NASDAQ | Headquaters Baltimore, MD, United States | ||
IPO Launch date 2016-01-13 | Co-President, Co-CEO & Director Mr. David M. Flair | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 109 | Website https://www.bayvanguard.com |
Full time employees 109 | Website https://www.bayvanguard.com | ||
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; personal credit cards; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
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