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Upturn AI SWOT - About
BV Financial, Inc. Common Stock (BVFL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/20/2025: BVFL (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 78.39% | Avg. Invested days 79 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/20/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BV Financial, Inc. Common Stock
Company Overview
History and Background
BV Financial, Inc. (BVFL) is the holding company for Bay-Vanguard Bank. Founded to serve its community with banking and other services.
Core Business Areas
- Community Banking: Focuses on providing traditional banking products and services to individuals, families, and small businesses within its local market.
Leadership and Structure
The leadership team comprises experienced banking professionals. The organizational structure is typical of a community bank, with departments focusing on lending, deposits, operations, and compliance.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share varies by location. Competitors include other local banks and credit unions.
- Loans: Includes residential mortgages, commercial real estate loans, and small business loans. Competitors include other banks, credit unions, and mortgage companies.
Market Dynamics
Industry Overview
The community banking industry is highly competitive, with numerous institutions vying for market share. Factors such as interest rates, economic conditions, and regulatory changes significantly impact the industry.
Positioning
BV Financial, Inc. is a community bank focused on serving local customers with personalized service. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM consists of the total deposit and loan volume within its operating area. BV Financial, Inc. aims to capture a greater share of this market through its customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Partnerships with fintech companies
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- Local and regional banks (no public symbol)
Competitive Landscape
BV Financial, Inc. faces competition from larger banks and credit unions, requiring a focus on customer relationships and community engagement.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be evaluated based on revenue, asset size, and market share growth.
Future Projections: Future projections are best obtained from analyst reports and company guidance.
Recent Initiatives: Recent initiatives can be identified through company press releases and investor presentations.
Summary
BV Financial, Inc. is a small community bank which can focus on local customer relationships. Its limited size creates a struggle with its overall competition in the market. To continue to grow it can focus on digitizing its banking platform and grow organically by expanding into other markets. If it doesn't it may have trouble continuing to expand the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice.
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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