A Business at a Glance
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Forward Looking Statements This Annual Report on Form 10-K contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,” “will,” “would,” “should,” “could” or “may,” and words of similar meaning. These forward-looking statements include, but are not limited to: •statements of our goals, intentions and expectations; •statements regarding our business plans, prospects, growth and operating strategies and financial condition and results of operations; •statements regarding the quality of our loan and investment portfolios; and •estimates of our risks and future costs and benefits. These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control.
| Metric | TTM | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue | 39M | 38M | 38M | 36M |
| Net Income | 11M | 12M | 14M | 11M |
| EPS | $1.06 | $1.09 | $1.47 | $1.32 |
| Free Cash Flow | 19M | 15M | 15M | 9.2M |
| ROIC | 0.0% | 4.9% | 5.8% | 10.8% |
| Gross Margin | - | 99.5% | 99.9% | 97.1% |
| Debt/Equity | 0.00 | 0.26 | 0.19 | 7.64 |
| Dividends/Share | $0.00 | - | - | - |
| Operating Income | 0 | 16M | 19M | 15M |
| Operating Margin | 0.0% | 43.5% | 49.0% | 40.9% |
| ROE | 5.6% | 5.9% | 6.9% | 10.8% |
| Shares Outstanding | 9M | 11M | 9M | 8M |
| Metric | 2022 | |||
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | 36M | 38M | 38M | 39M |
| Gross Margin | 97.1% | 99.9% | 99.5% | N/A |
| R&D | N/A | N/A | N/A | N/A |
| SG&A | 10M | 12M | 14M | 24M |
| EBIT | 15M | 19M | 16M | 0 |
| Op. Margin | 40.9% | 49.0% | 43.5% | 0.0% |
| Net Income | 11M | 14M | 12M | 11M |
| Net Margin | 29.6% | 36.1% | 31.1% | 27.5% |
| Non-Recurring | 246K | 188K | 0 | -8K |
| Returns on Capital | ||||
| ROIC | 10.8% | 5.8% | 4.9% | 0.0% |
| ROE | 10.8% | 6.9% | 5.9% | 5.6% |
| ROA | 1.2% | 1.5% | 1.3% | 1.2% |
| Cash Flow | ||||
| Op. Cash Flow | 9.7M | 15M | 16M | 20M |
| Free Cash Flow | 9.2M | 15M | 15M | 19M |
| Owner Earnings | 8.6M | 14M | 13M | 14M |
| CapEx | 502K | 155K | 611K | 386K |
| Maint. CapEx | 860K | 869K | 822K | 801K |
| Growth CapEx | 0 | 0 | 0 | 0 |
| D&A | 860K | 869K | 822K | 801K |
| CapEx/OCF | 5.2% | 1.0% | 3.8% | 2.0% |
| Capital Allocation | ||||
| Dividends Paid | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 18M | 36M |
| Buyback Yield | N/A | N/A | 9.5% | 20.0% |
| Stock-Based Comp | 258K | 357K | 1.9M | 5.2M |
| Debt Repayment | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||
| Net Debt | N/A | -71M | -58M | -98M |
| Cash & Equiv. | 69M | 74M | 71M | 98M |
| Long-Term Debt | N/A | 37M | 50M | 50M |
| Debt/Equity | 7.64 | 0.19 | 0.26 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A |
| Equity | 98M | 199M | 195M | 190M |
| Total Assets | 845M | 885M | 912M | 909M |
| Total Liabilities | 747M | 686M | 716M | 719M |
| Intangibles | 1.2M | 1.0M | 831K | 696K |
| Retained Earnings | 85M | 98M | 109M | 118M |
| Working Capital | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A |
| Per Share Data | ||||
| EPS | 1.32 | 1.47 | 1.09 | 1.06 |
| Owner EPS | 1.08 | 1.50 | 1.24 | 1.52 |
| Book Value | 12.26 | 21.35 | 18.18 | 21.36 |
| Cash Flow/Share | 1.22 | 1.63 | 1.49 | 1.29 |
| Dividends/Share | N/A | N/A | N/A | 0.00 |
| Shares Out. | 8.0M | 9.3M | 10.8M | 8.9M |
| Valuation | ||||
| P/E Ratio | 12.4 | 9.7 | 15.9 | 19.0 |
| P/FCF | 14.1 | 8.8 | 12.1 | 9.4 |
| EV/EBIT | N/A | N/A | N/A | N/A |
| Price/Book | 1.3 | 0.7 | 1.0 | 0.9 |
| Price/Sales | 3.2 | 3.3 | 3.8 | 4.6 |
| FCF Yield | 7.1% | 11.4% | 8.3% | 10.7% |
| Market Cap | 130M | 132M | 187M | 179M |
| Avg. Price | 14.24 | 13.43 | 13.44 | 20.11 |
| Year-End Price | 16.33 | 14.20 | 17.36 | 20.11 |
BV Financial, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
BV Financial, Inc. trades at 19.0x trailing earnings, compared to its 15-year median P/E of 12.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 9.4x vs a median of 12.1x. The company's 5-year average ROIC is 7.1% with a gross margin of 98.8%. Total shareholder yield (buybacks) is 20.0%. At current prices, the estimated annualized return to fair value is +5.5%.
BV Financial, Inc. (BVFL) has a current P/E ratio of 19.0, compared to its historical median P/E of 12.4. The stock is currently considered Expensive based on its historical valuation range.
BV Financial, Inc. (BVFL) has a 5-year average return on invested capital (ROIC) of 7.1%. This is below average and may indicate limited pricing power.
BV Financial, Inc. (BVFL) has a market capitalization of $179M. It is classified as a small-cap stock.
BV Financial, Inc. (BVFL) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 19.95%.
Based on historical P/E analysis, BV Financial, Inc. (BVFL) appears expensive. The current P/E of 19.0 is 53% above its historical median of 12.4. The estimated fair value CAGR (P/E method) is -2.2%.
BV Financial, Inc. (BVFL) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
BV Financial, Inc. (BVFL) reported annual revenue of $38 million in its most recent fiscal year, based on SEC EDGAR filings.
BV Financial, Inc. (BVFL) has a net profit margin of 31.1%. This is a strong margin indicating high profitability.
BV Financial, Inc. (BVFL) generated $15 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BV Financial, Inc. (BVFL) has a debt-to-equity ratio of 0.26. This indicates a conservatively financed balance sheet.
BV Financial, Inc. (BVFL) reported earnings per share (EPS) of $1.09 in its most recent fiscal year.
BV Financial, Inc. (BVFL) has a return on equity (ROE) of 5.9%. This indicates moderate shareholder returns.
BV Financial, Inc. (BVFL) has a 5-year average gross margin of 98.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 3 years of financial data for BV Financial, Inc. (BVFL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BV Financial, Inc. (BVFL) has a book value per share of $18.18, based on its most recent annual SEC filing.
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