BV Financial, Inc. BVFL
Last close
21.58
2026-09-04
Market cap
$182.8M
2026-06-30 share count
52-week range
14.60 - 22.17
Valuation FY2025 figures against the last close
P/S—
P/E15.1x
P/FCF9.7x
EV/EBITDA—
Dividend yield—
Diluted EPS1.43
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Interest expense | $36.9M | $35.2M | $34.2M | $3.4M | — |
| Pre-tax income | $18.9M | $16.4M | $18.6M | $14.6M | — |
| Income tax | $5.4M | $4.7M | $4.9M | $4.0M | — |
| Net income | $13.5M | $11.7M | $13.7M | $10.5M | — |
| EPS, basic | 1.44 | 1.10 | 1.47 | 1.32 | — |
| EPS, diluted | 1.43 | 1.09 | 1.47 | 1.32 | — |
| Shares, diluted (wtd. avg.) | $9.5M | $10.7M | $9.3M | $8.0M | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Cash and equivalents | $55.7M | $70.5M | $73.7M | $68.7M | — |
| Property, plant and equipment | $12.5M | $13.2M | $14.2M | $15.2M | — |
| Goodwill | $14.4M | $14.4M | $14.4M | $14.4M | — |
| Other intangibles | $651.0K | $831.0K | $1.0M | $1.2M | $1.3M |
| Total assets | $912.2M | $911.8M | $885.3M | $845.0M | — |
| Long-term debt | $35.0M | $49.9M | $37.3M | $49.0M | — |
| Total liabilities | $728.4M | $716.3M | $686.2M | $747.2M | — |
| Retained earnings | $123.0M | $109.5M | $97.8M | $84.6M | — |
| Total equity | $183.8M | $195.5M | $199.1M | $97.8M | $83.4M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Operating cash flow | $19.0M | $16.1M | $15.2M | $9.7M | — |
| Depreciation and amortisation | $793.0K | $822.0K | $860.0K | $860.0K | — |
| Stock-based compensation | $4.2M | $1.9M | $357.0K | $258.0K | — |
| Capital expenditure | $237.0K | $611.0K | $155.0K | $502.0K | — |
| Investing cash flow | -$13.3M | -$32.5M | -$35.2M | -$27.8M | — |
| Financing cash flow | -$20.5M | $13.2M | $25.1M | -$24.5M | — |
| Buybacks | $30.0M | $17.7M | — | — | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-128285.
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