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Stocks · Financials · Savings Institution, Federally Chartered

BV Financial, Inc.

BVFL Clue Score54
United States Fiscal year ends December CIK 0001302387
$21.24 -1.53% Close, 9 Oct 2026
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Price $21.24 +6.36% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 17 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2022Net income10.5EPS, diluted1.32Fiscal year 2023Net income13.7 +30.2%EPS, diluted1.47 +11.4%Fiscal year 2024Net income11.7 −14.5%EPS, diluted1.09 −25.9%Fiscal year 2025Net income13.5 +15.1%EPS, diluted1.43 +31.2%
FY2022FY2023FY2024FY2025
Net income 10.5 13.7 11.7 13.5
Growth +30.2% −14.5% +15.1%
EPS, diluted 1.32 1.47 1.09 1.43
Growth +11.4% −25.9% +31.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2022Operating cash flow9.7Capital expenditure−0.5Free cash flow9.2Fiscal year 2023Operating cash flow15.2Capital expenditure−0.2Free cash flow15.0 +63.3%Fiscal year 2024Operating cash flow16.1Capital expenditure−0.6Free cash flow15.5 +2.7%Buybacks−17.7Fiscal year 2025Operating cash flow19.0Capital expenditure−0.2Free cash flow18.8 +21.6%Buybacks−30.0
FY2022FY2023FY2024FY2025
Operating cash flow 9.7 15.2 16.1 19.0
Capital expenditure −0.5 −0.2 −0.6 −0.2
Free cash flow 9.2 15.0 15.5 18.8
Growth +63.3% +2.7% +21.6%
Buybacks n/a n/a −17.7 −30.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2022Cash68.7Total debt49.0Net cash (debt)19.6Shareholders’ equity97.8Debt to equity0.50Fiscal year 2023Cash73.7Total debt37.3Net cash (debt)36.5Shareholders’ equity199.1Debt to equity0.19Fiscal year 2024Cash70.5Total debt49.9Net cash (debt)20.6Shareholders’ equity195.5Debt to equity0.26Fiscal year 2025Cash55.7Total debt35.0Net cash (debt)20.7Shareholders’ equity183.8Debt to equity0.19
FY2022FY2023FY2024FY2025
Cash 68.7 73.7 70.5 55.7
Total debt 49.0 37.3 49.9 35.0
Net cash (debt) 19.6 36.5 20.6 20.7
Shareholders’ equity 97.8 199.1 195.5 183.8
Debt to equity 0.50 0.19 0.26 0.19

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
14.6 18.6 16.4 18.9
4.0 4.9 4.7 5.4
10.5 13.7 11.7 13.5
Growth +30.2% −14.5% +15.1%
Per share
1.32 1.47 1.10 1.44
1.32 1.47 1.09 1.43
Growth +11.4% −25.9% +31.2%
8.0 9.3 10.7 9.4
8.0 9.3 10.7 9.5
Growth +17.2% +14.7% −11.7%

Five years in brief

Worked out from the figures above, not from a press release
  • Profitable in every one of the 4 years on file.