BV Financial, Inc.
BVFLOther · <br>Emerging growth company · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $13.5M | $11.7M | $13.7M | $10.5M |
| Total assets | $912.2M | $911.8M | $885.3M | $845.0M |
| Total liabilities | $728.4M | $716.3M | $686.2M | $747.2M |
| Equity | $183.8M | $195.5M | $199.1M | $97.8M |
| EPS (diluted) | $1.43 | $1.09 | $1.47 | $1.32 |
| Shares out. | 10.6M | 11.4M | 11.4M | 8.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.3%
- Return on assets
- 1.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 79.9%
- Debt / equity
- 3.96×
- Book value / share
- $17.35
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 15.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Galli Joseph SDirector | May 28, 2026 | Sell | 3,404 | $19.94 |
| Galli Joseph SDirector | May 27, 2026 | Sell | 1,921 | $19.90 |
| Galli Joseph SDirector | May 26, 2026 | Sell | 1,067 | $19.90 |
| Galli Joseph SDirector | May 11, 2026 | Sell | 169 | $20.00 |
| Galli Joseph SDirector | May 8, 2026 | Sell | 4,999 | $20.00 |
| Galli Joseph SDirector | May 8, 2026 | Sell | 4,601 | $20.00 |
| Galli Joseph SDirector | Apr 28, 2026 | Sell | 4,648 | $20.11 |
| Galli Joseph SDirector | Feb 26, 2026 | Sell | 72 | $19.60 |
| Searcy Rose M.Officer — EVP, Human Resources | Dec 17, 2025 | Option exercise | 5,230 | $5.65 |
| Flair David M.Officer — Co-President, Co-CEO | Dec 12, 2025 | Option exercise | 21,433 | $5.65 |
| Dee Michael JOfficer — EVP and CFO | Dec 12, 2025 | Option exercise | 18,371 | $5.65 |
| Galli Joseph SDirector | Jul 22, 2025 | Sell | 5,000 | $16.07 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 111,132 | 9.9 | -8.1% |
| Apr 30, 2026 | 120,890 | 11.1 | -5.9% |
| Apr 15, 2026 | 128,428 | 6.6 | -11.4% |
| Mar 31, 2026 | 145,023 | 5.3 | -7.8% |
| Mar 13, 2026 | 157,270 | 10.6 | +15.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventJun 1, 2026
- Shareholder voteMay 8, 2026
- Other material eventMay 6, 2026
- Results of operationsApr 24, 2026
- Changed auditorFeb 23, 2026
- Results of operationsJan 23, 2026
- Director / officer changeJan 23, 2026
- Results of operationsOct 20, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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