Wall Street analyst estimates for BV Financial, Inc. (BVFL): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-10-16 | |||
| 2026-07-24 | $0.47 | ||
| 2026-04-24 | $0.40 | ||
| 2026-01-23 | $0.65 | ||
| 2025-10-17 | $0.49 | ||
| 2025-07-17 | $0.38 | ||
| 2025-04-17 | $0.30 | ||
| 2025-03-27 | $0.18 |
Valuation Ratios
| P/E Ratio | 13.30 |
| Price / Book | 0.93 |
| EV / EBITDA | 10.23 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.3M | $7.3M | $7.2M | $12.7M | $19.9M | $31.7M | $38.8M | $47.0M | $49.2M | $52.4M |
| Cost of Revenue | 0 | $1.2M | $893000 | $1.9M | $3.6M | $4.3M | $4.5M | $9.1M | $11.3M | $12.3M |
| Gross Profit | $7.3M | $6.1M | $6.3M | $10.8M | $16.3M | $27.4M | $34.3M | $37.8M | $37.9M | $40.2M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | 0 | $2.8M | $2.9M | $4.7M | $6.1M | $8.1M | $10.4M | $12.6M | $14.4M | $12.5M |
| Operating Expenses | $2.0M | $5.1M | $5.1M | $7.5M | $7.3M | $14.6M | $19.7M | $19.2M | $21.5M | $23.2M |
| Operating Income | 0 | $1.0M | $1.2M | $3.3M | $9.0M | $12.8M | $14.6M | $18.6M | $16.4M | $17.0M |
| EBITDA | $241000 | $1.3M | $1.4M | $3.7M | $9.7M | $13.8M | $15.6M | $19.7M | $17.4M | $17.6M |
| Interest Expense | $46000 | $784000 | $779000 | $1.7M | $2.9M | $3.7M | $3.4M | $9.2M | $11.5M | $12.8M |
| Pre-tax Income | -$221000 | $1.0M | $1.2M | $3.3M | $9.0M | $12.8M | $14.6M | $18.6M | $16.4M | $18.9M |
| Income Tax | -$101000 | $372000 | $1.1M | $865000 | $1.3M | $3.4M | $4.0M | $4.9M | $4.7M | $5.4M |
| Net Income | -$120000 | $653000 | $91000 | $2.5M | $7.6M | $9.4M | $10.5M | $13.7M | $11.7M | $13.5M |
| EPS | $-0.04 | $0.22 | $0.03 | $0.38 | $1.08 | $1.33 | $1.32 | $1.47 | $1.10 | $1.44 |
| EPS (Diluted) | $-0.04 | $0.22 | $0.03 | $0.38 | $1.07 | $1.32 | $1.32 | $1.47 | $1.10 | $1.43 |
| Shares Outstanding (Diluted) | $3.0M | $3.0M | $3.0M | $6.5M | $7.1M | $7.1M | $8.0M | $9.3M | $10.7M | $8.6M |
Price
| Price | $20.74 |
| Market Cap | $180M |
| Exchange | NASDAQ |
| Country | US |
Related companies: CZWI · FCAP · FNWD · HNVR · INBK · MRBK · NKSH
Explore sector: Financial Services · Banks - Regional
More sections of BVFL: Overview · Financials · Valuation · Statistics · Technical · Ownership · News · Events
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