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BV Financial, Inc. Common Stock (BVFL)
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Upturn Advisory Summary
12/01/2025: 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 88.85% | Avg. Invested days 61 | 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 12/01/2025 |
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 BayVanguard Bank, a community bank providing financial services in the Baltimore-Washington Metropolitan area. Founded to serve its local market, the company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products to individuals, businesses, and organizations.
- Commercial Lending: Provides commercial real estate loans, construction loans, and commercial and industrial loans to businesses.
- Residential Lending: Offers mortgage loans and home equity lines of credit.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant portion of their lending portfolio. The bank competes with other regional and national banks in this sector.
- Residential Mortgage Loans: Residential mortgage loans are another important product. Competitors include large national mortgage lenders, other community banks and credit unions.
- Deposit Accounts: Deposit accounts including checking, savings, and money market accounts are a core offering, competing with local and national financial institutions.
Market Dynamics
Industry Overview
The community banking industry is facing increasing competition from larger banks and fintech companies. Regulatory burdens and low interest rate environments can also impact profitability.
Positioning
BV Financial positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its relationship-based approach and understanding of the local market.
Total Addressable Market (TAM)
The TAM includes all potential customers within the Baltimore-Washington Metropolitan area seeking banking services. BV Financial aims to capture a portion of this market by focusing on specific niches and providing superior customer service.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-based customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on net interest income
- Less technological innovation compared to national competitors
Opportunities
- Expansion into new markets within the Baltimore-Washington region
- Increased adoption of digital banking solutions
- Strategic acquisitions of smaller banks
- Growing demand for personalized banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturn in the Baltimore-Washington region
Competitors and Market Share
Key Competitors
- Sandy Spring Bancorp (SASR)
- Eagle Bancorp, Inc. (EGBN)
- First National Corporation (FXNC)
Competitive Landscape
BV Financial faces competition from larger regional banks and smaller community banks. Its smaller size limits its resources, but it aims to differentiate itself through personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is not available at this time.
Future Projections: Future projections are not available at this time.
Recent Initiatives: Recent initiatives are not available at this time.
Summary
BV Financial, Inc. is a community bank operating in a competitive market. Its strengths lie in local knowledge and customer relationships. It needs to be aware of the challenges like competition from bigger banks and rising interest rates and technological advancements. Overall, this is a smaller bank that needs to find it's place in the market and look out for external risks.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may be estimated.
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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