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Upturn AI SWOT - About
BV Financial, Inc. Common Stock (BVFL)
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Upturn Advisory Summary
09/16/2025: 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 87.27% | Avg. Invested days 71 | 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 09/16/2025 |
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. is the holding company for Bay-Vanguard Federal Savings Bank. Founded in 1884, the bank has served the Baltimore-Washington metropolitan area for over a century, growing through organic expansion and strategic acquisitions.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers banking services to businesses, including commercial loans, lines of credit, and treasury management services.
- Wealth Management: Provides wealth management and financial planning services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with various departments responsible for different areas of the business.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgages to individuals purchasing homes. Competitors include large national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as other regional banks and mortgage companies. Market share data not readily available.
- competitors: JPM,WFC
- market_share:
- revenue:
- Commercial Loans: Offers loans to businesses for various purposes. Competitors include Bank of America (BAC) and smaller regional banks. Market share data not readily available.
- competitors: BAC
- market_share:
- revenue:
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include online banks and credit unions. Market share data not readily available.
- competitors:
- market_share:
- revenue:
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and interest rate fluctuations. Community banks face challenges from larger national banks and fintech companies.
Positioning
BV Financial, Inc. focuses on serving the Baltimore-Washington metropolitan area, emphasizing personalized service and community involvement. Competitive advantages include its long-standing presence and strong local relationships.
Total Addressable Market (TAM)
The TAM for community banking in the Baltimore-Washington area is estimated to be in the billions of dollars. BV Financial, Inc. is positioned to capture a portion of this market through its local presence and focus on customer service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Long-standing history
- Personalized customer service
- Experienced management team
- Established client base
Weaknesses
- Limited geographic reach
- Smaller asset size compared to larger banks
- Dependence on local economy
- Limited product diversification
Opportunities
- Expand into new markets within the region
- Increase commercial lending activity
- Enhance wealth management services
- Adopt new technologies to improve efficiency
Threats
- Competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
Competitive Landscape
BV Financial, Inc. faces intense competition from larger national banks with greater resources. Its strengths lie in its local focus and personalized service, which can differentiate it from larger institutions. However, it must adapt to technological changes to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends not available in this response. Needs to be populated with information from financial statements.
Future Projections: Future projections not available in this response. Needs to be populated with analyst estimates.
Recent Initiatives: Recent initiatives not available in this response. Needs to be populated with company news and announcements.
Summary
BV Financial, Inc. is a community bank with a strong local presence and a long history. It benefits from personalized customer service but faces challenges from larger banks and economic fluctuations. Adapting to technological advancements and expanding its service offerings are key to future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data may be outdated. Market share estimates are approximate.
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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