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BV Financial Inc. (BVFL) — RQD Stock Rating Cockpit

$22.33 +1.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.33

BV Financial Inc. (BVFL) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $189.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.33 (-0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BVFL)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY BVFL SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($18.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$21.24+2% Next Q

Q2 (-2Q)

Grade C$21.67+1.8% Next Q

Q3 (-1Q)

Grade C$22.05+1.3% Next Q

Current

Grade C$22.33+0.7% Hist 90D α

Trajectory: C- (54) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BVFL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, BVFL faces multiple-compression risk if 14.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.45) or 200D SMA ($20.34) invalidates the momentum regime and cuts Target Base ($22.73) toward Bear Floor ($17.73).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BVFL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BVFL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

52.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE94% OF RANGE

L: $16$22.33H: $23

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BVFL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

7.3% ROIC with 42.0% gross margin and 9.93% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like BVFL

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BVFL Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BVFL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.04%📐 HORIZONTAL RANGE

2026-10-30O $22.31H $22.65L $21.90C $22.33VOL 18.0K

RES: $22.78SUP: $20.30SMA50: $21.45SMA200: $20.34

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BVFL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BVFL Butterfly Map → + Track BVFL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BVFL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BVFL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BVFL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BVFL)

Financials Rank #438 of 1096 ⚔️ FNWD vs BVFL Full Matrix →

1. Head-to-Head Financials Peer Comparison (BVFL vs. FNWD, FCAP, FGBI, CZWI)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, BV Financial Inc. (BVFL) ranks #438 by composite RQD confidence (62/100, grade C) and #896 by equity capitalization ($189.1M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. FNWD currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with BVFL at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BVFL ACTIVE BV Financial Inc.	C	62/100	14.0x	—	7.3%	+1.00%	$189.1M	Benchmark Subject
FNWD Finward Bancorp	C	65/100	23.5x	—	4.6%	+0.48%	$190.2M	/fnwd-vs-bvfl →
FCAP First Capital Inc.	D+	58/100	13.0x	—	11.9%	-1.39%	$213.4M	/fcap-vs-bvfl →
FGBI First Guaranty Bancshares Inc.	D-	39/100	—	—	-16.1%	+4.49%	$161.6M	/fgbi-vs-bvfl →
CZWI Citizens Community Bancorp Inc.	C-	60/100	15.8x	—	7.7%	-0.38%	$228.4M	/czwi-vs-bvfl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001302387

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BV Financial Inc. (BVFL) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $13.5M, operating cash flow of $19.0M, and free cash flow of $18.8M (+21.6% YoY). On the balance sheet, BVFL closed FY2025 with $912.2M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$13.5M	$19.0M	$18.8M	$912.2M	—
FY2024 (FY)	2024-12-31	$0	$11.7M	$16.1M	$15.5M	$911.8M	—
FY2023 (FY)	2023-12-31	$0	$13.7M	$15.2M	$15.2M	—	—

3. BVFL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BVFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, BV Financial Inc. (NASDAQ: BVFL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $22.33 (+1.00% 1D, market cap $189.1M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BVFL ranks #438 in composite RQD confidence.

How does BVFL compare to FNWD and FCAP in the Financials sector?

Within the Financials sector (Savings Institutions), BVFL carries a Roarable C (62/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 7.3%. By comparison, FNWD (Finward Bancorp) holds a C grade (65/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M) and FCAP (First Capital Inc.) posts a D+ grade (58/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BVFL?

Per BVFL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001302387), BV Financial Inc. generated $0 in revenue, $13.5M in net income, and $18.8M in free cash flow against $912.2M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BVFL trading relative to its 50-day, 200-day, and 52-week technical levels?

BVFL last traded at $22.33 (+1.00% on volume of 11,532 shares), positioning the stock +4.10% above its 50-day simple moving average ($21.45) and +9.78% above its 200-day simple moving average ($20.34). Across its 52-week range of $16.25 to $22.70, BVFL sits at the 94.3% percentile with a 14-day RSI of 52.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($21.30 to $23.36).

BVFL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BVFL stock right now?

BV Financial Inc. (BVFL) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is BVFL's 12-month price target and RQD AI Jury consensus?

BVFL's 12-month base price target is $22.73 (range $17.73 to $26.82), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: BVFL RQD Cockpit BVFL 12M Forecast BVFL Earnings & Move BVFL Dividends & DRIP BVFL Insiders & 13F BVFL Whale Options BVFL Profit Sankey BVFL News & Why