BVFL on Nasdaq
BV Financial, Inc.
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Debit Card brought in 60% of the revenue BV Financial, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Debit Card | $706.0K | $706.0K |
| Deposit Account | $426.0K | $462.0K |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $45.6M | $41.0M |
| Investment securities available for sale | $1.3M | $1.3M |
| Investment securities held to maturity | $185.0K | $314.0K |
| Other interest income | $2.6M | $4.0M |
| Total interest income | $49.7M | $46.7M |
| Interest on deposits | $10.7M | $9.0M |
| Interest on FHLB borrowings | $279.0K | $2.0K |
| Interest on subordinated debentures | $1.8M | $2.5M |
| Total interest expense | $12.8M | $11.5M |
| Net interest income | $36.9M | $35.2M |
| Recovery of credit losses | -$2.4M | -$203.0K |
| Net interest income after (recovery of) provision for credit losses | $39.3M | $35.4M |
| Income from investment in life insurance | $383.0K | $400.0K |
| Gain on foreclosed real estate | $26.0K | |
| Loss on sale of fixed assets | -$32.0K | |
| Other income | $1.2M | $982.0K |
| Total noninterest income | $2.7M | $2.5M |
| Compensation and related benefits | $16.2M | $14.0M |
| Occupancy | $1.6M | $1.6M |
| Data processing | $1.5M | $1.5M |
| Advertising | $37.0K | $23.0K |
| Professional fees | $933.0K | $1.0M |
| Equipment | $370.0K | $396.0K |
| Foreclosed real estate and holding costs | $5.0K | $13.0K |
| Amortization of intangible assets | $180.0K | $181.0K |
| FDIC insurance premiums | $330.0K | $326.0K |
| Other | $1.9M | $2.5M |
| Total noninterest expense | $23.2M | $21.5M |
| Net income before tax | $18.9M | $16.4M |
| Income tax expense | $5.4M | $4.7M |
| Net income | $13.5M | $11.7M |
| Basic earnings per share | $1.44 | $1.10 |
| Diluted earnings per share | $1.43 | $1.09 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash | $5.6M | $5.8M | |
| Interest-bearing deposits in other banks | $50.1M | $64.7M | |
| Cash and cash equivalents | $55.7M | $70.5M | |
| Equity Investment | $404.0K | $391.0K | |
| Securities available for sale | $33.2M | $37.3M | |
| Securities held to maturity (fair value of $5,101 and $5,171, ACL of $2 and $4) | $5.7M | $6.0M | |
| Loans held for maturity | $754.9M | $737.8M | |
| Allowance for credit losses | -$6.4M | -$8.5M | -$8.6M |
| Net loans | $748.5M | $729.2M | |
| Other real estate owned | $0 | $159.0K | $170.0K |
| Premises and equipment, net | $12.5M | $13.2M | |
| Federal Home Loan Bank of Atlanta stock, at cost | $2.3M | $1.4M | |
| Investment in life insurance | $20.4M | $20.1M | |
| Accrued interest receivable | $3.1M | $3.2M | |
| Goodwill | $14.4M | $14.4M | |
| Intangible assets, net | $651.0K | $831.0K | |
| Deferred tax assets, net | $7.6M | $8.9M | |
| Other assets | $7.6M | $6.3M | |
| Total assets | $912.2M | $911.8M | |
| Noninterest-bearing deposits | $138.4M | $129.7M | |
| Interest-bearing deposits | $537.7M | $521.8M | |
| Total deposits | $676.1M | $651.5M | |
| FHLB borrowings | $35.0M | $15.0M | |
| Subordinated Debentures | $0 | $34.9M | |
| Other liabilities | $17.3M | $14.9M | |
| Total liabilities | $728.4M | $716.3M | |
| Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued or outstanding | $0 | $0 | |
| Common stock, $0.01 par value; 45,000,000 shares authorized at December 31, 2025 and December 31, 2024; 8,852,813 shares issued and outstanding as of December 31, 2025 and 10,645,284 shares issued and outstanding as of December 31, 2024 | $88.0K | $106.0K | |
| Paid-in capital | $68.8M | $94.7M | |
| Unearned common stock held by employee stock ownership plan | -$7.0M | -$7.2M | |
| Retained earnings | $123.0M | $109.5M | |
| Accumulated other comprehensive loss | -$1.1M | -$1.6M | |
| Total stockholders' equity | $183.8M | $195.5M | $199.1M |
| Total liabilities and stockholders' equity | $912.2M | $911.8M | |
| Securities held to maturity, fair value | $5.1M | $5.2M | |
| Securities held to maturity, ACL | $2.0K | $4.0K | $6.0K |
| Preferred stock, par value | $0.01 | $0.01 | |
| Preferred stock, shares authorized | 1.0M shares | 1.0M shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Preferred stock, shares outstanding | 0 shares | 0 shares | |
| Common stock, par value | $0.01 | $0.01 | |
| Common Stock, Shares Authorized | 45.0M shares | 45.0M shares | |
| Common stock, shares issued | 8.9M shares | 10.6M shares | |
| Common stock, shares outstanding | 8.9M shares | 10.6M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $13.5M | $11.7M |
| Net accretion of discounts and premiums | $72.0K | -$57.0K |
| Recovery of credit losses | -$2.4M | -$203.0K |
| Proceed payments received on foreclosed real estate | $11.0K | |
| Amortization of deferred loan fees/costs | $48.0K | $415.0K |
| Amortization of intangible assets | $180.0K | $181.0K |
| Amortization of debt issuance costs | $117.0K | $155.0K |
| Write off fair market value of subordinated debt | $566.0K | |
| Depreciation of premises and equipment | $633.0K | $822.0K |
| Loss on sale of assets | $32.0K | |
| Deferred tax expense (benefit) | $1.1M | -$58.0K |
| Increase in cash surrender value of life insurance | -$383.0K | -$400.0K |
| Stock-based compensation expense | $4.2M | $1.9M |
| ESOP compensation expense | $182.0K | $168.0K |
| Increase in accrued interest and other assets | $673.0K | $2.2M |
| Increase (decrease) increase in other liabilities | $1.1M | -$1.4M |
| Net cash provided by operating activities | $19.0M | $16.1M |
| Increase in equity trading account | -$13.0K | $7.0K |
| Proceeds from maturities and principal payments of investment securities available for sale | $20.6M | $12.1M |
| Purchases of investment securities available for sale | -$16.0M | -$14.5M |
| Proceeds from maturities and principal payments of investment securities held to maturity | $244.0K | $4.2M |
| Net increase in loans | -$17.0M | -$33.0M |
| Purchase of premises and equipment | -$237.0K | -$611.0K |
| Proceeds from sale of Federal Home Loan Bank Stock | $1.0M | |
| Purchase of Federal Home Loan Bank of Atlanta stock | -$2.0M | -$740.0K |
| Net cash used in investing activities | -$13.3M | -$32.5M |
| (Decrease) increase in official checks | -$376.0K | $181.0K |
| Net increase in deposits | $24.6M | $17.5M |
| Increase in advance payments by borrowers for taxes and insurance | $270.0K | $1.4M |
| Advances from the Federal Home Loan Bank of Atlanta | $35.0M | $15.0M |
| Repayments of advances from Federal Home Loan Bank of Atlanta | -$15.0M | |
| Repayments of subordinated debt | -$35.0M | -$3.1M |
| Repurchase of shares | -$30.0M | -$17.7M |
| Net cash (used in) provided by financing activities | -$20.5M | $13.2M |
| Net increase (decrease) in cash and cash equivalents | -$14.8M | -$3.2M |
| Interest paid | $12.7M | $11.3M |
| Income taxes paid | $3.0M | $5.9M |
| Net change on equity and available for sale securities | -$677.0K | $37.0K |
| Net change on loans | -$159.0K | -$200.0K |
| Net change in foreclosed real estate | $159.0K | |
| Transfers from property plant and equipment to other assets | $303.0K | $815.0K |
| Deferred tax assets | $186.0K | $128.0K |
| Net change in adjusted other comprehensive income | $491.0K | $337.0K |
Recent filings
- Aug 14, 2026SCHEDULE 13G/A
- Aug 12, 202610-Q
- Jul 24, 20268-K
- Jul 7, 202611-K
- Jun 30, 2026NT 11-K
- Jun 15, 20264
- Jun 11, 20264
- Jun 10, 20264
- Jun 8, 20264
- Jun 4, 20264
- Jun 1, 2026144
- Jun 1, 20268-K
- May 29, 20264
- May 29, 20264
- May 27, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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