BVFL · BV Financial, Inc.
$21.63
+0.02 (+0.09%)
At close · Aug 20
Market Cap
$185.34M
Shares
8.47M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.63
Open$21.39
Day$21.39–21.73
52W close$14.63–21.88
Avg vol 30d14K
Short int107K · 1.3% float · 6.6d
Short vol80%
DataJan 2020–Aug 2026
Filing10-Q · Aug 12
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 12, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
+3%
above
RSI (14)
56
neutral
MACD trend
Positive
52-week position
97%
near high
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+16%
trailing
YTD return
+19%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $21 › 200d $19 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$618.8K over 90 days · 100% sells
Short interest
Falling
1.26% of float · ▼ -1.1% MoM · 6.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
68 holders — near 3-yr high, broad support
Squeeze score
47
elevated · 0–100
Fundamentals
Revenue growth
+2%
Y/Y
EPS growth
+31%
Y/Y
Free cash flow
$18.8M
Valuation
P/E 14.8
rich
Balance sheet
$20.7M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
56
Neutral
MACD trend
Positive
Bullish
52-week position
97%
Bullish
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $21 › 200d $19 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$618.8K over 90 days · 100% sells
Short interest
Falling
1.26% of float · ▼ -1.1% MoM · 6.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
68 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $15
Now $22 · 97%
Range high $22
vs 200-day avg +11%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted net income non-GAAP | $7.1M | the six-month period ended June 30, 2026 | — |
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| Adjusted Net Income per diluted share non-GAAP | $0.86 | Six Months ended June 30 | — |
| Adjusted Net Income per Share non-GAAP | $0.88 | Six Months ended June 30 | — |
| Allowance for credit losses as a percentage of non-performing loans | 182.1% | At June 30, 2026 | — |
| Allowance for credit losses as a percentage of total loans | 0.87% | At June 30, 2026 | — |
| Average interest-earning assets to interest-bearing liabilities | 148.83% | Six Months ended June 30 | — |
| Common shares outstanding | 8,520,225 | As of June 30 | — |
| Efficiency ratio | 66.62% | the six months ended June 30, 2026 | — |
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| Ending Balance- ACL for Loans | 6.21M | As of June 30 | — |
| Net interest margin | 4.47% | the six months ended June 30, 2026 | — |
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| Net interest rate spread | 3.82% | Six Months ended June 30 | — |
| Non-performing loans as a percentage of total loans | 0.48% | At June 30, 2026 | — |
| Operating Pre-Provision Net Revenue (OPPNR) non-GAAP | $10.1M | the six months ended June 30, 2026 | — |
| OPPNR per diluted share non-GAAP | $1.22 | Six Months ended June 30 | — |
| OPPNR per share non-GAAP | $1.26 | Six Months ended June 30 | — |
| Return on average assets | 1.54% | the three months ended June 30, 2026 | — |
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| Return on average equity | 7.56% | the three months ended June 30, 2026 | — |
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| Shares repurchased | 230,000 | the quarter ended June 30, 2026 | — |
| Tangible book value per common share non-GAAP | $19.74 | At June 30, 2026 | — |
| Tangible equity non-GAAP | 168.22M | As of June 30 | — |
| Total ACL | 6.34M | As of June 30 | — |
| Net interest spread | 3.68% | the quarter ended March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BVFL
this stock
BV Financial, Inc.
|
$185.34M | +19.2% | +2.4% | 14.8 | 1.3% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BVFL | +1.6% | +4.6% | +15.8% | +5.3% | +19.2% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +3.5% | +1.3% | +4.6% | +3.2% | +7.4% |
Key facts
CIK
1302387
CUSIP
05603E208
13F (30d)
60 filings
59 filers
Visit website
Investor relations