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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 0.5% FCF Margin ($18.8M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
BV Financial Inc. (BVFL) advanced +1.00% to $22.33, trading at 94% of its 52-week range ($16.25 – $22.7). Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
BVFL's Q3 earnings per share improve year over year as lower operating expenses and improved efficiency support results, despite declining net interest income and higher credit costs.
BV Financial stepped out of its Q3 2026 earnings release with the stock down 2.3% on the day, even though the bank reported another solid profit quarter. Basic earnings per share came in at about US$0.44, with net income
BALTIMORE, MD / ACCESS Newswire / October 23, 2026 / (NASDAQ:BVFL), the holding company for BayVanguard Bank (the "Bank"), today reported net income of $3.42 per diluted share, for the quarter ended September 30, 2026 co
BV Financial (NASDAQ:BVFL) reported quarterly earnings of $0.42 per share. This is a 2.44 percent increase over earnings of $0.41 per share from the same period last year. The company reported $9.758 million in sales
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BVFL today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BVFL. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why BVFL Stock advanced +1.00% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
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