Financial Snapshot

Revenue
Gross Margin
Net Earnings
$9.771M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$209.7M
Q3 2024
Cash
Q3 2024
P/E
20.18
Nov 29, 2024 EST
Free Cash Flow
$4.132M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Revenue
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $869.0K $1.043M $1.030M $700.0K $490.0K $220.0K $240.0K $240.0K $250.0K $280.0K $230.0K $170.0K $170.0K $220.0K $260.0K $280.0K $150.0K
YoY Change -16.68% 1.26% 47.14% 42.86% 122.73% -8.33% 0.0% -4.0% -10.71% 21.74% 35.29% 0.0% -22.73% -15.38% -7.14% 86.67%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Interest Expense $9.190M $3.430M
YoY Change 167.93%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Pretax Income $18.62M $14.55M $12.82M $8.990M $3.840M $1.180M $1.030M -$220.0K $1.020M $1.140M $950.0K $1.560M $1.380M $330.0K -$4.700M -$580.0K $160.0K
YoY Change 27.96% 13.52% 42.6% 134.11% 225.42% 14.56% -568.18% -121.57% -10.53% 20.0% -39.1% 13.04% 318.18% -107.02% 710.34% -462.5%
Income Tax $4.915M $4.029M $3.380M $1.350M $970.0K $360.0K $370.0K -$100.0K $310.0K $450.0K $460.0K $490.0K $510.0K $150.0K -$1.980M -$250.0K $70.00K
% Of Pretax Income 26.39% 27.69% 26.37% 15.02% 25.26% 30.51% 35.92% 30.39% 39.47% 48.42% 31.41% 36.96% 45.45% 43.75%
Net Earnings $13.71M $10.52M $9.440M $7.650M $2.880M $90.00K $650.0K -$120.0K $710.0K $690.0K $490.0K $1.070M $870.0K $180.0K -$2.720M -$330.0K $90.00K
YoY Change 30.25% 11.48% 23.4% 165.63% 3100.0% -86.15% -641.67% -116.9% 2.9% 40.82% -54.21% 22.99% 383.33% -106.62% 724.24% -466.67%
Net Earnings / Revenue
Basic Earnings Per Share $1.47 $1.32
Diluted Earnings Per Share $1.47 $1.42 $1.322M $1.073M $542.4K $30.10K $217.4K -$40.40K $239.1K $263.4K $200.8K $455.3K $368.6K $81.82K -$1.177M -$139.2K $37.19K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $15.79M $16.30M $16.70M $6.100M $4.100M $4.300M $4.600M $4.700M $6.500M $6.600M $5.200M $4.500M $3.400M $3.100M $3.100M $2.400M
YoY Change -3.11% -2.4% 173.77% 48.78% -4.65% -6.52% -2.13% -27.69% -1.52% 26.92% 15.56% 32.35% 9.68% 0.0% 29.17%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $9.113M $8.300M $8.200M $3.000M $1.600M $2.600M $2.900M $2.900M $3.000M $3.200M $2.500M $2.700M $2.700M $2.400M $0.00
YoY Change 9.8% 1.22% 173.33% 87.5% -38.46% -10.34% 0.0% -3.33% -6.25% 28.0% -7.41% 0.0% 12.5%
Total Long-Term Assets
YoY Change
Total Assets $845.0M $815.1M $815.6M $294.2M $167.2M $171.1M $169.2M $169.5M $178.4M $185.7M $148.7M $146.6M $160.4M $154.6M $164.0M $134.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $645.0K $1.200M $1.200M $200.0K
YoY Change -46.25% 0.0% 500.0%
Deferred Revenue
YoY Change
Short-Term Debt $12.00M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $12.65M $1.200M $1.200M $200.0K
YoY Change 953.75% 0.0% 500.0%
Long-Term Debt $37.04M $36.80M $41.70M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.65% -11.75%
Other Long-Term Liabilities $12.91M $11.20M $9.000M $6.300M $3.400M $3.400M $3.500M $3.500M $3.600M $3.800M $3.100M $3.200M $3.000M $2.400M $2.500M $2.000M
YoY Change 15.27% 24.44% 42.86% 85.29% 0.0% -2.86% 0.0% -2.78% -5.26% 22.58% -3.13% 6.67% 25.0% -4.0% 25.0%
Total Long-Term Liabilities $49.95M $48.00M $50.70M $6.300M $3.400M $3.400M $3.500M $3.500M $3.600M $3.800M $3.100M $3.200M $3.000M $2.400M $2.500M $2.000M
YoY Change 4.06% -5.33% 704.76% 85.29% 0.0% -2.86% 0.0% -2.78% -5.26% 22.58% -3.13% 6.67% 25.0% -4.0% 25.0%
Total Liabilities $747.2M $731.7M $741.5M $228.2M $145.6M $149.5M $148.2M $148.4M $158.1M $166.2M $132.8M $131.9M $146.6M $140.9M $147.7M $115.8M
YoY Change 2.12% -1.32% 224.93% 56.73% -2.61% 0.88% -0.13% -6.14% -4.87% 25.15% 0.68% -10.03% 4.05% -4.6% 27.55%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Basic Shares Outstanding 9.303M 7.950M
Diluted Shares Outstanding 9.341M 7.972M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $197.17 Million

About BV Financial, Inc.

BV Financial, Inc. is a holding company, which engages in the provision of banking services. The company is headquartered in Baltimore, Maryland. The company went IPO on 2005-01-14. The Bank is headquartered in Baltimore, Maryland with fourteen branches in the Baltimore metropolitan area and the eastern shore of Maryland. The Bank is a full-service community-oriented financial institution dedicated to serving the financial service needs of consumers and businesses. The Bank is engaged primarily in the business of attracting deposits from the public and using such funds to originate one-to-four-family real estate, construction, multifamily, commercial real estate, farm, marine loans, commercial and consumer loans. The Bank’s personal and business banking services include checking and money market accounts, certificates of deposit, savings, online banking, personal and business credit cards, and other services. The Bank’s lending services include personal and commercial lending, which offers real estate, lines of credit, home equity, construction, auto, boat, lot, and other loan services.

Industry: Savings Institution, Federally Chartered Peers: Bogota Financial Corp. OP Bancorp Oconee Federal Financial Corp. Randolph Bancorp, Inc. Rocket Companies, Inc. SECURITY NATIONAL FINANCIAL CORP Territorial Bancorp Inc. Western New England Bancorp, Inc. William Penn Bancorporation