BV Financial, Inc. Common Stock (BVFL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
BV Financial, Inc. Common Stock stock (BVFL) is currently trading at $19.05. BV Financial, Inc. Common Stock PE ratio is 16.00. BV Financial, Inc. Common Stock PS ratio (Price-to-Sales) is 4.01. WallStSmart rates BVFL as Hold.
- BVFL PE ratio analysis and historical PE chart
- BVFL PS ratio (Price-to-Sales) history and trend
- BVFL intrinsic value — DCF, Graham Number, EPV models
- BVFL stock price prediction 2025 2026 2027 2028 2029 2030
- BVFL fair value vs current price
- BVFL insider transactions and insider buying
- Is BVFL undervalued or overvalued?
- BV Financial, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- BVFL Piotroski F-Score and Altman Z-Score
- BVFL analyst price target and Smart Rating
BV Financial, Inc.
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BVFL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · BV Financial, Inc. Common Stock (BVFL)
BVFL trades at a significant discount to its Graham intrinsic value of $36.21, offering a 46% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
BV Financial, Inc. Common Stock (BVFL) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
BV Financial, Inc. Common Stock (BVFL) Key Strengths (4)
Keeps $48 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $28 of every $100 in revenue as net profit
50.35% held by institutions, strong professional interest
BV Financial, Inc. Common Stock (BVFL) Areas to Watch (5)
Revenue growing slowly at 3.10% annually
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Premium valuation at 4.0x annual revenue
Solid earnings growth at 17.10%
BV Financial, Inc. Common Stock (BVFL) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 3.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.91) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 48.00%, Profit Margin at 27.50%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (4.01) suggest expensive pricing. Growth concerns include Revenue Growth at 3.10%, EPS Growth at 17.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.32%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.32% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BVFL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BVFL's Price-to-Sales ratio of 4.01x sits near its historical average of 4.02x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 4.13x set in Feb 2026, and 2% above its historical low of 3.92x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for BV Financial, Inc. Common Stock (BVFL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
BV Financial, Inc. Common Stock operates as a stable business with moderate growth and solid fundamentals. Revenue reached 39M with 3% growth year-over-year. Profit margins are strong at 27.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.5% and operating margin of 48.0% demonstrate strong pricing power and operational efficiency.
Generating 8M in free cash flow and 8M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact BV Financial, Inc. Common Stock.
Bottom Line
BV Financial, Inc. Common Stock offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About BV Financial, Inc. Common Stock(BVFL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
BV Financial, Inc. is the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland.