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BV Financial, Inc. (BVFL)

Financial Services | Banks - Regional | Baltimore, United States | NasdaqCM
20.11 USD -0.22 (-1.058%) ⇩ (April 20, 2026, 4 p.m. EDT)

Short-term: ★★★★★ | Long-term: ★★★★☆ | Dividends: ☆☆☆☆☆
Hot Take | April 19, 2026, 12:01 a.m. EDT

Strong short-term bullish momentum driven by loan growth, rising stock prices relative to 52-week lows, and a technical uptrend above key moving averages. The stock is fundamentally sound with healthy margins despite high short interest, but as a high-yield defensive small-cap, the total return thesis relies almost entirely on capital appreciation rather than income.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.024492
AutoETS0.030688
AutoARIMA0.030688
MSTL0.030892

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 80%
H-stat 0.36
Ljung-Box p 0.000
Jarque-Bera p 0.243
Excess Kurtosis -1.20
Attribute Value
Sector Financial Services
Ex Dividend Date 2018-12-27
Last Dividend Date 2018-12-27
Revenue per Share 4.483
Market Cap 179,013,456
Trailing P/E 14.06
Beta 0.09
Profit Margins 32.09%
Website https://www.bayvanguard.com

Dividend Data

Dividend History
Date Dividend Yield %
2018-12-28 0.032661 0.358428
2018-10-30 0.032661 0.352144
2018-08-07 0.032661 0.508659
2010-03-03 0.032661 1.533724
2009-12-04 0.032661 1.868784
2009-09-02 0.032661 1.453980
2009-06-03 0.032661 2.049442
2009-03-04 0.032661 1.866394
2008-12-04 0.032661 1.380326
2008-09-04 0.032661 1.112389
2008-06-03 0.032661 0.866039
2008-03-04 0.032661 0.872700
2007-12-04 0.032661 0.816194
2007-09-05 0.032661 0.681002
2007-06-06 0.032661 0.677043
2007-03-06 0.032661 0.646975
2006-11-28 0.032661 0.633005
Additional Data
exDividendDate 2018-12-28
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.032661
lastDividendDate 2018-12-28
dividendDate 2019-01-07

Info Dump

Attribute Value
52 Week Change 0.3265171
Address1 7,114 North Point Road
All Time High 22.86237
All Time Low 1.469724
Ask 25.97
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 22,280
Average Daily Volume3 Month 17,924
Average Volume 17,924
Average Volume10Days 22,280
Beta 0.092
Bid 14.58
Bid Size 2
Board Risk 8
Book Value 22.452
City Baltimore
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 20.105
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 20.29
Day Low 20.07
Display Name BV Financial
Dividend Date 1,546,819,200
Earnings Growth 2.186
Earnings Quarterly Growth 1.462
Earnings Timestamp 1,769,198,400
Earnings Timestamp End 1,777,057,200
Earnings Timestamp Start 1,777,057,200
Ebitda Margins 0.0
Enterprise To Revenue 3.391
Enterprise Value 142,583,008
Eps Trailing Twelve Months 1.43
Esg Populated 0
Ex Dividend Date 1,545,955,200
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 410 477 1020
Fifty Day Average 19.319
Fifty Day Average Change 0.7859993
Fifty Day Average Change Percent 0.0406853
Fifty Two Week Change Percent 32.65171
Fifty Two Week High 20.48
Fifty Two Week High Change -0.375
Fifty Two Week High Change Percent -0.018310547
Fifty Two Week Low 14.05
Fifty Two Week Low Change 6.0549994
Fifty Two Week Low Change Percent 0.4309608
Fifty Two Week Range 14.05 - 20.48
Financial Currency USD
First Trade Date Milliseconds 1,108,650,600,000
Float Shares 6,905,458
Full Exchange Name NasdaqCM
Full Time Employees 99
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 42,050,000
Has Pre Post Market Data 1
Held Percent Insiders 0.24837999
Held Percent Institutions 0.39831
Implied Shares Outstanding 8,903,927
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,023-08-01
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,545,955,200
Last Dividend Value 0.032661
Last Fiscal Year End 1,767,139,200
Long Business Summary 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 noninterest-bearing and interest-bearing checking accounts 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.
Long Name BV Financial, Inc.
Market us_market
Market Cap 179,013,456
Market State PRE
Max Age 86,400
Message Board Id finmb_11782379
Most Recent Quarter 1,767,139,200
Net Income To Common 13,495,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 176,327,350
Open 20.24
Operating Cashflow 19,024,000
Operating Margins 0.57785
Overall Risk 10
Payout Ratio 0.0
Phone 410 477 5000
Pre Market Change -0.22500038
Pre Market Change Percent -1.1191266
Pre Market Price 19.88
Pre Market Time 1,776,769,212
Previous Close 20.32
Price Hint 2
Price To Book 0.89546585
Price To Sales Trailing12 Months 4.2571573
Profit Margins 0.32092997
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.215
Regular Market Change Percent -1.05807
Regular Market Day High 20.29
Regular Market Day Low 20.07
Regular Market Day Range 20.07 - 20.29
Regular Market Open 20.24
Regular Market Previous Close 20.32
Regular Market Price 20.105
Regular Market Time 1,776,715,201
Regular Market Volume 22,298
Return On Assets 0.0148
Return On Equity 0.07116
Revenue Growth 0.373
Revenue Per Share 4.483
Sand P52 Week Change 0.34445214
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 8,750,737
Shares Percent Shares Out 0.0166
Shares Short 145,023
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 136,105
Short Name BV Financial, Inc.
Short Percent Of Float 0.019199999
Short Ratio 6.66
Source Interval 15
State MD
Symbol BVFL
Total Cash 55,705,000
Total Cash Per Share 6.89
Total Debt 35,751,000
Total Revenue 42,050,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 1.43
Trailing P E 14.059441
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 17.6063
Two Hundred Day Average Change 2.4986992
Two Hundred Day Average Change Percent 0.14192075
Type Disp Equity
Volume 22,298
Website https://www.bayvanguard.com
Zip 21,219