BV Financial, Inc. BVFL

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Price alert · BVFL

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21.90 USD -0.43 -1.93%

At close · Oct 30

21.90 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
21.80 × 2
Ask
22.04 × 2
21.90 Day range 22.65
16.30 52-week range 22.57
YTD
+20.73%
1 year
+32.73%
Open
22.31
Prev close
22.33
Mkt cap
185.51M
Vol
18.00K
Avg vol
16.48K
EPS
1.52
P/E
14.41
Div yield
0.00%
More statistics
Low
21.90
High
22.65
Forward P/E
0.00
Beta
0.62
Short ratio
0.24
Inst. own
36.91%
Dividend
0.00
Ex-div date
Dec 27, 2018
50-d avg
16.31
200-d avg
13.38
1y target
0.00

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Financial health

Altman Z-Score

0.58 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 4

Valuation

P/E 12.6×
FY 2015: -161×FY 2016: 35.9×FY 2017: 375×FY 2019: 45.4×FY 2020: 15.7×FY 2021: 15.1×FY 2022: 18.9×FY 2023: 9.6×FY 2024: 15.7×FY 2025: 12.6×
FY 2015 5y median 15.1× FY 2025
P/S 2.9×
FY 2015: 2.7×FY 2016: 3.2×FY 2017: 4.7×FY 2019: 8.8×FY 2020: 6.1×FY 2021: 4.5×FY 2022: 5.1×FY 2023: 2.8×FY 2024: 3.7×FY 2025: 2.9×
FY 2015 5y median 3.7× FY 2025
P/B 0.8×
FY 2015: 0.9×FY 2016: 1.1×FY 2017: 1.6×FY 2019: 1.7×FY 2020: 1.6×FY 2021: 1.7×FY 2022: 2.0×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 0.8×
FY 2015 5y median 0.9× FY 2025
P/FCF 8.1×
FY 2015: 19.9×FY 2016: 15.8×FY 2017: 18.1×FY 2019: 162×FY 2020: 26.0×FY 2021: 14.1×FY 2022: 21.6×FY 2023: 8.8×FY 2024: 11.9×FY 2025: 8.1×
FY 2015 5y median 11.9× FY 2025
EV/EBITDA 7.4×
FY 2015: 127×FY 2016: 13.1×FY 2017: 18.8×FY 2019: 24.8×FY 2020: 8.6×FY 2021: 5.0×FY 2022: 11.5×FY 2023: 4.9×FY 2024: 9.4×FY 2025: 7.4×
FY 2015 5y median 7.4× FY 2025
EV/Sales 2.5×
FY 2015: 4.2×FY 2016: 2.3×FY 2017: 3.6×FY 2019: 7.3×FY 2020: 4.2×FY 2021: 2.2×FY 2022: 4.6×FY 2023: 2.0×FY 2024: 3.3×FY 2025: 2.5×
FY 2015 5y median 2.5× FY 2025
FCF Yield 12.3%
FY 2015: 5.0%FY 2016: 6.3%FY 2017: 5.5%FY 2019: 0.6%FY 2020: 3.9%FY 2021: 7.1%FY 2022: 4.6%FY 2023: 11.4%FY 2024: 8.4%FY 2025: 12.3%
FY 2015 5y median 8.4% FY 2025

Profitability

Gross Margin 76.6%
FY 2015: 100.0%FY 2016: 83.8%FY 2017: 87.6%FY 2019: 85.4%FY 2020: 81.9%FY 2021: 86.4%FY 2022: 88.5%FY 2023: 80.5%FY 2024: 77.0%FY 2025: 76.6%
FY 2015 5y median 80.5% FY 2025
Operating Margin 32.4%
FY 2015: 0.0%FY 2016: 14.0%FY 2017: 16.4%FY 2019: 26.4%FY 2020: 45.2%FY 2021: 40.4%FY 2022: 37.5%FY 2023: 39.6%FY 2024: 33.3%FY 2025: 32.4%
FY 2015 5y median 37.5% FY 2025
Net Margin 25.7%
FY 2015: -1.7%FY 2016: 8.9%FY 2017: 1.3%FY 2019: 19.5%FY 2020: 38.5%FY 2021: 29.7%FY 2022: 27.1%FY 2023: 29.2%FY 2024: 23.8%FY 2025: 25.7%
FY 2015 5y median 27.1% FY 2025
ROE 7.3%
FY 2015: -0.6%FY 2016: 3.0%FY 2017: 0.4%FY 2019: 3.7%FY 2020: 10.3%FY 2021: 11.3%FY 2022: 10.8%FY 2023: 6.9%FY 2024: 6.0%FY 2025: 7.3%
FY 2015 5y median 7.3% FY 2025
ROIC 5.1%
FY 2015: 0.0%FY 2016: 2.3%FY 2017: 0.3%FY 2019: 3.2%FY 2020: 5.4%FY 2021: 7.0%FY 2022: 6.6%FY 2023: 5.5%FY 2024: 4.5%FY 2025: 5.1%
FY 2015 5y median 5.5% FY 2025
ROA 1.5%
FY 2015: -0.1%FY 2016: 0.4%FY 2017: 0.1%FY 2019: 0.8%FY 2020: 0.9%FY 2021: 1.2%FY 2022: 1.2%FY 2023: 1.5%FY 2024: 1.3%FY 2025: 1.5%
FY 2015 5y median 1.3% FY 2025

Growth (YoY)

Revenue 6.6%
FY 2015: -2.8%FY 2016: 0.6%FY 2017: -1.7%FY 2019: 0.0%FY 2020: 57.1%FY 2021: 59.7%FY 2022: 22.1%FY 2023: 21.2%FY 2024: 4.7%FY 2025: 6.6%
FY 2015 FY 2025
Operating Income 3.5%
FY 2015: -100.0%FY 2016: 0.0%FY 2017: 14.8%FY 2019: 0.0%FY 2020: 169.4%FY 2021: 42.6%FY 2022: 13.5%FY 2023: 28.0%FY 2024: -11.9%FY 2025: 3.5%
FY 2015 FY 2025
EPS (diluted) 30.0%
FY 2015: -116.8%FY 2016: 645.9%FY 2017: -86.4%FY 2019: 0.0%FY 2020: 181.6%FY 2021: 23.4%FY 2022: 0.0%FY 2023: 11.4%FY 2024: -25.2%FY 2025: 30.0%
FY 2015 FY 2025
Free Cash Flow 21.6%
FY 2015: -6.3%FY 2016: 53.6%FY 2017: 24.7%FY 2019: 0.0%FY 2020: 579.7%FY 2021: 118.6%FY 2022: -9.3%FY 2023: 63.2%FY 2024: 2.7%FY 2025: 21.6%
FY 2015 FY 2025

Financial Health

Current Ratio 0.1×
FY 2015: 0.3×FY 2016: 0.2×FY 2017: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2015 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2015: 0.3×FY 2016: 0.2×FY 2017: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2015 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.1×FY 2019: 0.1×FY 2020: 0.7×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.2×
FY 2015 5y median 0.3× FY 2025
Net Debt / EBITDA -1.2×
FY 2015: 46.9×FY 2016: -5.6×FY 2017: -5.4×FY 2019: -4.9×FY 2020: -3.9×FY 2021: -5.4×FY 2022: -1.3×FY 2023: -1.9×FY 2024: -1.2×FY 2025: -1.2×
FY 2015 5y median -1.3× FY 2025
Interest Coverage 1.3×
FY 2015: 0.0×FY 2016: 1.3×FY 2017: 1.5×FY 2019: 1.9×FY 2020: 3.1×FY 2021: 3.4×FY 2022: 4.2×FY 2023: 2.0×FY 2024: 1.4×FY 2025: 1.3×
FY 2015 5y median 2.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2015 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2015 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31