Valuation dashboard for BV Financial, Inc. (BVFL) with P/E 14.04, P/B 0.98, EV/EBITDA 10.66 and dividend yield 0.00%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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.
Analysis Summary
BV Financial, Inc. reported revenue of $52.4M in the most recent fiscal year, growing at a 5-year CAGR of 21.4%. Net income reached $13.5M, with a 12.0% 5-year CAGR.
Trailing-twelve-month margins: gross margin 79.0%, operating margin 32.0%, net margin 25.3%.
At the current price of $20.93, BVFL trades at a P/E of 14.04 and an ROE of 7.07%. Market capitalisation stands at $181M.
Balance sheet quality for BVFL: current ratio of 0.1. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.04 |
| Price / Book | 0.98 |
| EV / EBITDA | 10.66 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $26.77 |
| vs Current Price | +27.9% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BVFL | BV Financial, Inc. | $181M | 14.04 | 0.98 | 7.1% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price
| Price | $20.93 |
| Market Cap | $181M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 7.07% |
| Return on Invested Capital | 1.30% |
| Return on Assets | 1.49% |
| Gross Margin | 79.03% |
| Operating Margin | 32.05% |
| Net Margin | 25.27% |
Related companies: CZWI · FCAP · FNWD · HNVR · INBK · MRBK · NKSH
Explore sector: Financial Services · Banks - Regional
More sections of BVFL: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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