BV Financial

NAQ:BVFL · US05603E2081

BanksX-Small

360

Medium confidence — indicative

Value54

Profit price34

Cash yield1

Sales & asset price48

Price/Sales23

EV / Gross Profit48

Price/Book72

Quality71

Returns on capital57

Profit margins—

Cash backing74

Cash Conversion63

Accruals76

Owner Earnings Margin83

Growth31

Sales growth11

Profit growth39

Profit Growth21

Owner Earnings Growth57

Reinvestment44

Price momentum71

Safety72

Debt load74

Debt serviceability37

Liquidity95

Sentiment63

Analyst ratings—

Expectations trend—

Market mood1

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

BV Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2019

Websitebayvanguard.com/about-us/investor-relations

ISINUS05603E2081

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

Banking

Description

BV Financial, Inc. (‘BV Financial’) operates as a bank holding company for BayVanguard Bank (the ‘bank’) that provides a full-service of finance for consumers and businesses. The company is a full-service, community-oriented financial institution de…

Analysis

Quality compounder

BV Financial, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare BV Financial with its peers

Mercantile Bank

NSQ:MBWM

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Mid Penn

NMQ:MPB

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Bank First National

NAQ:BFC

CountryUSA

IndustryBanks

SizeSmall

Full Stock Analysis →

Investar

NMQ:ISTR

CountryUSA

IndustryBanks

SizeX-Small

Full Stock Analysis →

Cadence Bank

NYQ:CADE

CountryUSA

IndustryBanks

SizeMedium

Full Stock Analysis →

HBT Financial

NSQ:HBT

CountryUSA

IndustryBanks

SizeX-Small

Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →