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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
10/23/2026: BVFL (3-star) is a STRONG-BUY. BUY for 7 days. Simulated Profits (1.38%). Updated daily EoD!
BV Financial, Inc. is a community-focused bank holding company based in Maryland, operating through BayVanguard Bank. The firm has a long history and strong capital base, which support its core real estate and commercial lending activities. Its primary growth story involves capitalizing on local economic development in the Baltimore area, while returning capital to shareholders through stock repurchases. Risks include significant concentration in real estate lending and exposure to interest rate volatility. The stock may best suit value-oriented investors who prioritize capital stability and local market expertise over immediate dividend income, though they should monitor loan asset quality and regional real estate trends closely.
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 | Mixed fit | The company shows steady growth but is limited by its regional scope and micro-cap nature. |
| Momentum investor | Strong fit while signal remains positive | The stock has demonstrated strong relative performance, making it attractive when positive price trends persist. |
| Value investor | Strong fit | The stock often trades at attractive P/E multiples relative to its sector peers. |
| Dividend investor | Weak fit | The company currently does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While capital ratios are strong, small-cap bank stocks inherently carry risks related to interest rate and economic volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a micro-cap stock, it can experience significant price swings on low trading volume. |
| Valuation risk | Medium | Trading near the top of its 52-week range requires investors to be mindful of entry points. |
| Competition risk (Regional Banking) | Medium / high | The bank faces constant pressure from both larger institutions and local peers. |
| Business quality | Medium | The business is stable but highly concentrated in a single geographic market and product type. |
| Dividend income | Low / none | The absence of a dividend removes a primary stabilizer for many bank stock investors. |
| Execution risk | Medium | Management must effectively manage loan quality in a varying interest rate environment. |
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 93.69% | Avg. Invested days 59 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 186.78M USD | Price to earnings Ratio 14.51 | 1Y Target Price - |
Price to earnings Ratio 14.51 | 1Y Target Price - | ||
Volume (30-day avg) 20.6K shares | Beta 0.04 | 52 Weeks Range 15.84 - 22.70 | Updated Date 10/24/2026 |
52 Weeks Range 15.84 - 22.70 | Updated Date 10/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on real estate, commercial, and consumer loans minus interest paid on deposits. | The bank profits primarily from the spread between loan interest income and deposit interest costs. |
| Fee-based Services | ATM fees, merchant services, and other banking transaction charges. | Non-interest income provides a smaller but steady stream of supplemental revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When Before Market | Estimate - | Actual 0.47 |
Profitability
Profit Margin 30.57% | Operating Margin (TTM) 48.39% |
Management Effectiveness
Return on Assets (TTM) 1.43% | Return on Equity (TTM) 6.83% |
Valuation
Trailing PE 14.51 | Forward PE - | Enterprise Value 140.02M | Price to Sales(TTM) 4.46 |
Enterprise Value 140.02M | Price to Sales(TTM) 4.46 | ||
Enterprise Value to Revenue 4.94 | Enterprise Value to EBITDA - | Shares Outstanding 8.47M | Shares Floating 7.02M |
Shares Outstanding 8.47M | Shares Floating 7.02M | ||
Percent Insiders 25.66 | Percent Institutions 38.67 |
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.
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