XNASBVFL
Market cap194mUSD
Jan 17, Last price
17.14USD
1D
1.24%
1Q
10.01%
Jan 2017
167.77%
IPO
73.48%
Name
BV Financial Inc
Chart & Performance
P/E
14.22
P/S
4.17
EPS
1.21
Div Yield, %
0.00%
Shrs. gr., 5y
25.55%
Rev. gr., 5y
45.50%
Revenues
47m
+20.72%
Net income
14m
+30.25%
CFO
15m
+56.40%
Earnings
Jan 24, 2025
Profile
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑06 | 2017‑06 | 2016‑06 | |
| Income | ||||||||
Revenues | 46,802 20.72% | 38,769 22.11% | ||||||
Cost of revenue | 12,636 | 10,372 | ||||||
Unusual Expense (Income) | ||||||||
NOPBT | 34,166 | 28,397 | ||||||
NOPBT Margin | 73.00% | 73.25% | ||||||
Operating Taxes | 4,915 | 4,029 | ||||||
Tax Rate | 14.39% | 14.19% | ||||||
NOPAT | 29,251 | 24,368 | ||||||
Net income | 13,707 30.25% | 10,524 11.47% | ||||||
Dividends | ||||||||
Dividend yield | ||||||||
Proceeds from repurchase of equity | 97,990 | 1,000 | ||||||
BB yield | ||||||||
| Debt | ||||||||
Debt current | 171 | |||||||
Long-term debt | 38,170 | 49,513 | ||||||
Deferred revenue | ||||||||
Other long-term liabilities | 307,959 | 331,670 | ||||||
Net debt | (51,117) | 5,463 | ||||||
| Cash flow | ||||||||
Cash from operating activities | 15,194 | 9,715 | ||||||
CAPEX | (155) | (502) | ||||||
Cash from investing activities | (35,173) | (27,762) | ||||||
Cash from financing activities | 25,069 | (24,491) | ||||||
FCF | 31,712 | 65,612 | ||||||
| Balance | ||||||||
Cash | 44,041 | (12,704) | ||||||
Long term investments | 45,246 | 56,925 | ||||||
Excess cash | 86,947 | 42,283 | ||||||
Stockholders' equity | 95,928 | 82,345 | ||||||
Invested Capital | 457,328 | 436,348 | ||||||
ROIC | 6.55% | 6.02% | ||||||
ROCE | 6.28% | 5.93% | ||||||
| EV | ||||||||
Common stock shares outstanding | 9,341 | 7,431 | ||||||
Price | ||||||||
Market cap | ||||||||
EV | ||||||||
EBITDA | 35,218 | 29,440 | ||||||
EV/EBITDA | ||||||||
Interest | 9,190 | 3,430 | ||||||
Interest/NOPBT | 26.90% | 12.08% | ||||||