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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 Completion of the Community Offering
Bayvanguard Bank to Acquire North Arundel Savings Bank
BV Financial, Inc. Announces Financial Results
BV Financial, Inc. Announces Results of Annual Meeting
Source: https://incomestatements.info
Category: Stock Reports