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Upturn AI SWOT - About
BV Financial, Inc. Common Stock (BVFL)
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Upturn Advisory Summary
10/30/2025: BVFL (2-star) is currently NOT-A-BUY. Pass it for now.
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 76.48% | Avg. Invested days 74 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/30/2025 |
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. Founded in 1884, BayVanguard Bank provides banking services to individuals and businesses in the Baltimore-Washington Metropolitan area. The bank has evolved from a savings and loan association to a full-service commercial bank.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and other financial services to small and medium-sized businesses.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Offers investment and financial planning services to individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, Chief Credit Officer, and other senior executives. The organizational structure is hierarchical, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. Market share data is not readily available. Competitors include other regional and national banks offering commercial real estate lending (e.g., M&T Bank, PNC Financial Services).
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data is not readily available. Competitors include other regional and national mortgage lenders (e.g., Wells Fargo, Bank of America).
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not readily available. Competitors include other regional and national banks offering deposit accounts (e.g., Citizens Bank, Capital One).
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory scrutiny, and technological advancements. Interest rate environment and economic conditions significantly impact profitability.
Positioning
BV Financial, Inc. is a community-focused bank with a strong presence in the Baltimore-Washington Metropolitan area. Its competitive advantages include local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market includes the entire banking and financial services sector in the Baltimore-Washington Metropolitan area. BV Financial, Inc. holds a small portion of this TAM, with opportunities for growth through expanding its customer base and product offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Baltimore-Washington Metropolitan area
- Experienced management team
- Customer-focused approach
- Established reputation
Weaknesses
- Smaller size compared to larger national banks
- Limited geographic diversification
- Reliance on traditional banking services
- Lower brand recognition outside its primary market
Opportunities
- Expansion into new geographic markets
- Development of new digital banking products and services
- Acquisition of smaller community banks
- Increased lending activity due to economic growth
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- PNC
- CFG
Competitive Landscape
BV Financial, Inc. faces competition from larger national and regional banks. Its competitive advantages include local market knowledge and customer relationships. Disadvantages include smaller size and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth Unavailable
Future Projections: Future Projections Unavailable
Recent Initiatives: Recent Initiatives Unavailable
Summary
BV Financial, Inc. is a community bank with a strong local presence and customer-focused approach. While it faces competition from larger banks and potential economic downturns, it has opportunities to expand its reach through strategic acquisitions and the development of digital banking products. The company needs to be aware of how rising interest rates may affect profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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