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BV Financial, Inc. (BVFL)

Financial Services | Banks - Regional | Baltimore, United States | NasdaqCM
21.35 USD -0.01 (-0.047%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 21.35
Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:☆☆☆☆☆
Hot Take ↕ | Aug. 22, 2026, 4:44 a.m. EDT

The short-term outlook remains neutral due to a lack of clear directional momentum; despite trading near its 52-week highs, the recent price action shows no significant breakout or breakdown, and the statistical forecast model offers only a modest bearish lean with moderate confidence, failing to provide a compelling trade setup for the immediate future. On a longer horizon, the business demonstrates solid resilience with a remarkable nine-year cumulative gain of nearly 300%, driven by eight out of nine years of positive annual growth, though the single year of sharp decline in 2023 serves as a reminder of the cyclical risks inherent in regional banking. Fundamentally, the company trades at an attractive discount to book value while boasting robust operating margins and accelerating earnings growth, suggesting a healthy underlying franchise currently undervalued by the market. However, the investment case is significantly weakened by the complete absence of any dividend history over the last five years, offering no income component to offset the equity risk.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.059904
AutoETS0.069431
AutoTheta0.069763
MSTL0.069872

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 58%
H-stat 2.50
Ljung-Box p 0.000
Jarque-Bera p 0.200
Excess Kurtosis -0.89
Attribute Value
Sector Financial Services
Ex Dividend Date 2018-12-27
Last Dividend Date 2018-12-27
Revenue per Share 5.113
Market Cap 180,847,392
Trailing P/E 14.33
Beta 0.06
Profit Margins 30.19%
Website https://www.bayvanguard.com

Dividend Data

Dividend History
Date Dividend Yield %
2018-12-28 0.032661 0.358428
2018-10-30 0.032661 0.350882
2018-08-07 0.032661 0.505058
2010-03-03 0.032661 1.515173
2009-12-04 0.032661 1.818208
2009-09-02 0.032661 1.388909
2009-06-03 0.032661 1.930530
2009-03-04 0.032661 1.724163
2008-12-04 0.032661 1.253151
2008-09-04 0.032661 0.998018
2008-06-03 0.032661 0.769242
2008-03-04 0.032661 0.769242
2007-12-04 0.032661 0.714296
2007-09-05 0.032661 0.591725
2007-06-06 0.032661 0.584804
2007-03-06 0.032661 0.555564
2006-11-28 0.032661 0.540548
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 0.27538824
Address1 7,114 North Point Road
All Time High 22.86237
All Time Low 1.469724
Ask 27.49
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 11,850
Average Daily Volume3 Month 20,263
Average Volume 20,263
Average Volume10Days 11,850
Beta 0.062
Bid 14.62
Bid Size 2
Board Risk 7
Book Value 22.863
City Baltimore
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 9
Country United States
Crypto Tradeable 0
Currency USD
Current Price 21.35
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 21.48
Day Low 21.35
Display Name BV Financial
Dividend Date 1,546,819,200
Earnings Growth 0.448
Earnings Quarterly Growth 0.21
Earnings Timestamp 1,784,896,200
Earnings Timestamp End 1,792,153,800
Earnings Timestamp Start 1,792,153,800
Ebitda Margins 0.0
Enterprise To Revenue 2.371
Enterprise Value 102,808,552
Eps Trailing Twelve Months 1.49
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 21.2268
Fifty Day Average Change 0.12319946
Fifty Day Average Change Percent 0.005803958
Fifty Two Week Change Percent 27.538824
Fifty Two Week High 22.17
Fifty Two Week High Change -0.8199997
Fifty Two Week High Change Percent -0.036986906
Fifty Two Week Low 14.6
Fifty Two Week Low Change 6.75
Fifty Two Week Low Change Percent 0.46232876
Fifty Two Week Range 14.6 - 22.17
Financial Currency USD
First Trade Date Milliseconds 1,108,650,600,000
Float Shares 6,706,801
Full Exchange Name NasdaqCM
Full Time Employees 99
Fullday Change -0.0100002
Fullday Change Percent -0.0468176
Fullday Price 21.35
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 43,354,000
Has Pre Post Market Data 1
Held Percent Insiders 0.25659
Held Percent Institutions 0.38489
Implied Shares Outstanding 8,470,604
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 180,847,392
Market State CLOSED
Max Age 86,400
Message Board Id finmb_11782379
Most Recent Quarter 1,782,777,600
Net Income To Common 13,088,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 178,983,862
Open 21.47
Operating Cashflow 17,936,000
Operating Margins 0.47579
Overall Risk 9
Payout Ratio 0.0
Phone 410 477 5000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 21.35
Post Market Time 1,787,947,804
Previous Close 21.36
Price Hint 2
Price To Book 0.93382317
Price To Sales Trailing12 Months 4.171412
Profit Margins 0.30189
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.0100002
Regular Market Change Percent -0.0468176
Regular Market Day High 21.48
Regular Market Day Low 21.35
Regular Market Day Range 21.35 - 21.48
Regular Market Open 21.47
Regular Market Previous Close 21.36
Regular Market Price 21.35
Regular Market Time 1,787,947,201
Regular Market Volume 10,753
Return On Assets 0.01465
Return On Equity 0.068670005
Revenue Growth 0.055
Revenue Per Share 5.113
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 8,470,604
Shares Percent Shares Out 0.0138
Shares Short 116,724
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 108,060
Short Name BV Financial, Inc.
Short Percent Of Float 0.0164
Short Ratio 8.43
Source Interval 15
State MD
Symbol BVFL
Total Cash 68,902,000
Total Cash Per Share 8.599
Total Debt 633,000
Total Revenue 43,354,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 1.49
Trailing P E 14.328859
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 19.6331
Two Hundred Day Average Change 1.7168999
Two Hundred Day Average Change Percent 0.087449245
Type Disp Equity
Volume 10,753
Website https://www.bayvanguard.com
Zip 21,219