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Upturn AI Summary - About
BV Financial, Inc. Common Stock(BVFL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BVFL
09/25/2026: BVFL (3-star) is currently NOT-A-BUY. Pass it for now.
BV Financial, Inc. is a community-focused regional bank holding company operating through Bay-Vanguard Bank. The firm is recognized for its stable, relationship-based approach to retail and business banking in Maryland. Its primary growth story revolves around organic market share gains and ongoing digital transformation to remain competitive against larger peers. However, investors must monitor risks related to interest rate volatility, competitive pricing pressures, and the rising cost of regulatory compliance. The stock may best suit conservative, income-oriented investors, while those focused on high-growth technology sectors may find the steady, slow-growth nature of this regional bank less aligned with their primary objectives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth industry focused on stability rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock generally lacks the high-volatility, high-volume trading characteristics typically sought by momentum investors. |
| Value investor | Mixed fit | The stock may offer value if trading at a significant discount to tangible book value, but requires careful fundamental analysis. |
| Dividend investor | Mixed fit | Income-focused investors may find the dividend stability attractive, but should verify current payout ratios and yield. |
| Low-risk investor | Strong fit | As a regulated community bank, it provides a more conservative profile compared to growth or technology sector equities. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap banking stocks can experience lower liquidity and higher price swings based on regional news. |
| Valuation risk | Medium | Market pricing of regional banks is highly sensitive to prevailing interest rate cycles. |
| Competition risk (Banking) | High | Intense competition from larger regional and national banks puts pressure on margins. |
| Business quality | Medium | The business model is steady but limited by the local economic geography. |
| Dividend income | Medium | Dividends are subject to regulatory capital requirements and earnings health. |
| Execution risk | Medium | Management's ability to maintain loan quality while growing the portfolio is essential for long-term success. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 96.3% | Avg. Invested days 69 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 176.78M USD | Price to earnings Ratio 14.1 | 1Y Target Price - |
Price to earnings Ratio 14.1 | 1Y Target Price - | ||
Volume (30-day avg) 17.5K shares | Beta 0.07 | 52 Weeks Range 14.60 - 22.17 | Updated Date 09/25/2026 |
52 Weeks Range 14.60 - 22.17 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank earns most of its money from the 'spread' between what it charges on loans and pays on savings accounts. |
| Fee-Based Services | Service charges on deposit accounts and other banking fees. | This provides a steady, non-interest stream of revenue that helps diversify the bank's income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.1 | Forward PE - | Enterprise Value 98.96M | Price to Sales(TTM) 4.08 |
Enterprise Value 98.96M | Price to Sales(TTM) 4.08 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 8.47M | Shares Floating 6.71M |
Shares Outstanding 8.47M | Shares Floating 6.71M | ||
Percent Insiders 25.66 | Percent Institutions 38.49 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About BV Financial, Inc. Common Stock
Exchange NASDAQ | Headquarters Baltimore, MD, United States | ||
IPO Launch date 2016-01-13 | President, CEO & Chairman Mr. Timothy L. Prindle | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 99 | Website https://www.bayvanguard.com |
Full time employees 99 | 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 noninterest-bearing and interest-bearing checking accounts 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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