See more : IR Japan Holdings, Ltd. (6035.T) Income Statement Analysis – Financial Results
Complete financial analysis of BV Financial, Inc. (BVFL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of BV Financial, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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BV Financial, Inc. (BVFL)
About BV Financial, Inc.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 46.80M | 38.77M | 31.75M | 23.17M | 12.65M | 7.18M | 7.30M | 7.26M | 7.47M | 7.96M | 6.64M | 6.82M | 4.22M | 4.01M | 3.64M | 4.01M | 3.67M | 3.17M | 5.06M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.47M | 7.96M | 6.64M | 6.82M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.06M |
| Gross Profit | 46.80M | 38.77M | 31.75M | 23.17M | 12.65M | 7.18M | 7.30M | 7.26M | 0.00 | 0.00 | 0.00 | 0.00 | 4.22M | 4.01M | 3.64M | 4.01M | 3.67M | 3.17M | 0.00 |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | 0.00% | 0.00% | 0.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% |
| Research & Development | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 12.59M | 10.35M | 587.00K | 876.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.83M | 2.25M | 2.04M | 1.88M | 1.54M | 1.33M | 0.00 |
| Selling & Marketing | 43.00K | 23.00K | 23.00K | 20.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 110.00K | 115.00K | 104.00K | 124.00K | 77.00K | 72.00K | 0.00 |
| SG&A | 12.64M | 10.37M | 610.00K | 896.00K | 0.00 | 0.00 | 0.00 | 0.00 | 4.54M | 3.06M | 2.42M | 2.74M | 2.94M | 2.37M | 2.14M | 2.00M | 1.61M | 1.41M | 1.29M |
| Other Expenses | 25.16M | -6.65M | -4.57M | -3.19M | -2.15M | -1.76M | -1.79M | -2.03M | -2.27M | -1.53M | -1.21M | -1.37M | -7.49M | -6.96M | -5.62M | -5.31M | -4.41M | -3.75M | -644.00K |
| Operating Expenses | 37.80M | 6.65M | 4.57M | 3.19M | 2.15M | 1.76M | 1.79M | 2.03M | 2.27M | 1.53M | 1.21M | 1.37M | -4.55M | -4.59M | -3.48M | -3.31M | -2.80M | -2.35M | 644.00K |
| Cost & Expenses | 37.80M | 24.20M | 19.77M | 14.17M | 9.32M | 6.00M | 6.22M | 7.48M | 6.63M | 6.80M | 5.53M | 5.82M | -4.55M | -4.59M | -3.48M | -3.31M | -2.80M | -2.35M | 4.43M |
| Interest Income | 43.42M | 33.35M | 29.38M | 18.23M | 12.15M | 6.76M | 6.91M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 8.49M | 8.84M | 7.64M | 7.18M | 5.66M | 4.69M | 0.00 |
| Interest Expense | 9.19M | 3.43M | 3.73M | 2.90M | 112.00K | 42.00K | 45.00K | 46.00K | 46.00K | 48.00K | 4.00K | 0.00 | 4.37M | 5.14M | 4.29M | 3.46M | 2.24M | 1.87M | 0.00 |
| Depreciation & Amortization | 1.05M | 1.04M | 1.02M | 696.00K | 399.00K | 212.00K | 235.00K | 241.00K | 245.00K | 279.00K | 227.00K | 166.00K | 259.00K | 278.00K | 77.00K | 272.00K | 174.00K | 31.00K | 0.00 |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | -2.00K | 0.00 | 0.00 | 241.00K | 1.27M | 1.42M | 1.18M | 1.73M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 855.00K | 628.00K |
| EBITDA Ratio | 0.00% | 2.69% | 3.22% | 3.00% | 3.15% | 2.95% | 3.22% | 3.32% | 16.96% | 17.79% | 17.72% | 25.35% | -1.66% | 120.60% | 124.36% | 110.49% | 89.52% | 26.98% | 12.41% |
| Operating Income | 0.00 | 814.51K | 786.44K | 489.70K | 0.00 | 0.00 | 1.00 | 0.00 | 845.00K | 1.16M | 1.11M | 993.00K | -329.00K | -584.00K | 157.00K | 704.00K | 866.00K | 824.00K | 628.00K |
| Operating Income Ratio | 0.00% | 2.10% | 2.48% | 2.11% | 0.00% | 0.00% | 0.00% | 0.00% | 11.31% | 14.54% | 16.73% | 14.57% | -7.80% | -14.57% | 4.32% | 17.54% | 23.63% | 26.00% | 12.41% |
| Total Other Income/Expenses | 18.62M | -14.00K | 847.00K | -3.60M | 0.00 | -991.00K | -53.00K | -175.00K | 177.00K | -21.00K | -161.00K | 569.00K | -4.37M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 18.62M | 14.55M | 12.82M | 8.99M | 3.34M | 1.18M | 1.02M | -221.00K | 1.02M | 1.14M | 950.00K | 1.56M | -4.70M | -584.00K | 157.00K | 704.00K | 866.00K | 824.00K | 628.00K |
| Income Before Tax Ratio | 39.79% | 37.54% | 40.39% | 38.83% | 26.38% | 16.40% | 14.04% | -3.04% | 13.68% | 14.28% | 14.31% | 22.92% | -111.36% | -14.57% | 4.32% | 17.54% | 23.63% | 26.00% | 12.41% |
| Income Tax Expense | 4.92M | 4.03M | 3.38M | 1.35M | 865.00K | 1.09M | 372.00K | -101.00K | 309.00K | 447.00K | 462.00K | 489.00K | -1.98M | -254.00K | 66.00K | 265.00K | 304.00K | 282.00K | 234.00K |
| Net Income | 13.71M | 10.52M | 9.44M | 7.65M | 2.47M | 91.00K | 653.00K | -120.00K | 713.00K | 689.00K | 488.00K | 1.07M | -2.72M | -330.00K | 91.00K | 439.00K | 562.00K | 542.00K | 394.00K |
| Net Income Ratio | 29.29% | 27.15% | 29.74% | 33.00% | 19.54% | 1.27% | 8.95% | -1.65% | 9.54% | 8.66% | 7.35% | 15.74% | -64.44% | -8.23% | 2.50% | 10.94% | 15.33% | 17.10% | 7.79% |
| EPS | 1.47 | 1.42 | 1.33 | 1.08 | 0.38 | 0.03 | 0.22 | -0.04 | 0.24 | 0.26 | 0.20 | 0.46 | -1.15 | -0.14 | 0.04 | 0.17 | 0.21 | 0.24 | 0.00 |
| EPS Diluted | 1.47 | 1.42 | 1.32 | 1.07 | 0.38 | 0.03 | 0.22 | -0.04 | 0.24 | 0.26 | 0.20 | 0.46 | -1.15 | -0.14 | 0.04 | 0.17 | 0.21 | 0.24 | 0.00 |
| Weighted Avg Shares Out | 9.30M | 7.41M | 7.12M | 7.10M | 6.44M | 2.99M | 2.98M | 2.97M | 2.98M | 2.61M | 2.41M | 2.35M | 2.37M | 2.37M | 2.42M | 2.58M | 2.65M | 2.55M | 0.00 |
| Weighted Avg Shares Out (Dil) | 9.34M | 7.43M | 7.14M | 7.13M | 6.46M | 2.99M | 2.99M | 2.97M | 2.98M | 2.61M | 2.42M | 2.35M | 2.37M | 2.37M | 2.42M | 2.58M | 2.65M | 2.55M | 0.00 |
BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program
BALTIMORE, MD / ACCESSWIRE / July 30, 2024 / BV Financial, Inc. (the "Company") (NASDAQ:BVFL), the holding company for BayVanguard Bank (the "Bank"), announced today that the Company has adopted, and received the non-objection of the Federal Reserve Bank of...
BV Financial, Inc. Announces Financial Results
BALTIMORE, MD / ACCESSWIRE / July 18, 2024 / BV Financial, Inc. (NASDAQ:BVFL), the holding company for BayVanguard Bank (the "Bank"), today reported net income of $3.4 million, or $0.32 per diluted share, for the quarter ended June 30, 2024...
BV Financial, Inc Announces Financial Results
BALTIMORE, MD / ACCESSWIRE / April 22, 2024 / BV Financial, Inc. (NASDAQ:BVFL), (the "Company") the holding company for BayVanguard Bank (the "Bank"), reported net income of $2.6 million or $0.24 per diluted share for the quarter ended March 31,...
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BV Financial, Inc. Announces Financial Results
BALTIMORE, MD / ACCESSWIRE / January 22, 2024 / BV Financial, Inc. ( NASDAQ:BVFL), (the "Company") the holding company for BayVanguard Bank (the "Bank"), reported net income of $13.7 million or $1.47 per diluted share compared to net income of...
BV Financial, Inc. Announces Financial Results
BALTIMORE, MD / ACCESSWIRE / October 23, 2023 / BV Financial, Inc. (NASDAQ:BVFL), (the "Company") the holding company for BayVanguard Bank (the "Bank"), reported net income of $3.7 million, or $0.35 per diluted share, for the quarter ended September 30,...
BV Financial, Inc. Announces Completion of Conversion and Related Stock Offering
BALTIMORE, MD / ACCESSWIRE / July 31, 2023 / BV Financial, Inc. (the "Company") (OTC Pink:BVFL), the holding company for BayVanguard Bank, announced that Bay-Vanguard, M.H.C., Inc. (the "MHC"), has completed its conversion from the mutual holding company to the...
BV Financial, Inc. Announces Financial Results
BALTIMORE, MD / ACCESSWIRE / July 26, 2023 / BV Financial, Inc. (OTC PINK:BVFL), the holding company for BayVanguard Bank (the "Bank"), today reported net income of $3.9 million, or $0.52 per diluted share, for the quarter ended June 30,...
BV Financial, Inc. Announces Expected Closing Date of Conversion Transaction
BALTIMORE, MD / ACCESSWIRE / July 25, 2023 / BV Financial, Inc. (the "Company") (OTC PINK:BVFL), the holding company for BayVanguard Bank, announced today that all regulatory approvals have been received to close the conversion of Bay-Vanguard, M.H.C., Inc. (the...
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