Stocks · Financial Services · Banks - Regional
BV Financial, Inc. BVFL
$21.23 +0.14% Close, Oct 2, 2026 · NASDAQ · Market cap $183.8M
High qualityStrong trend
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 14.9% in a year, mainly through buybacks.
- Diluted EPS over the last four quarters was $1.48, up 43.7% year over year.
- The stock is in an uptrend: above its 200-day average for 240 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 32%
- EPS growth (TTM, YoY)Top 23%
- FCF growth (TTM, YoY)Top 48%
- Revenue growth, 3-year CAGRBottom 33%
- Revenue growth accelerationBottom 34%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 50%
- Gross marginTop 17%
- Operating marginTop 25%
- Cash conversion (OCF / net income)Top 29%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Top 22%
- Interest coverTop 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 47%
- Free-cash-flow yieldTop 30%
- EBITDA / enterprise valueTop 31%
- Sales / enterprise valueBottom 46%
- P/E vs own 5-year history (lower is better)Top 40%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 42%
- 1-year return vs S&P 500Top 18%
- Distance from 52-week highTop 20%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 30%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Top 37%
- Net debt / EBITDA (lower is better)Top 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.2% | 2.0% | ↓ |
| EPS growth (YoY) | 28.3% | 43.7% | ↑ |
| Gross margin | 75.5% | 79.0% | ↑ |
| Operating margin | 29.0% | 32.0% | ↑ |
| FCF margin | 32.8% | 38.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.0% | 4.2% | ↓ | Bottom 32% |
| EPS growth (TTM, YoY) | 43.7% | 28.3% | ↑ | Top 23% |
| Gross margin | 79.0% | 75.5% | ↑ | Top 17% |
| Operating margin | 32.0% | 29.0% | ↑ | Top 25% |
| Net margin | 25.3% | 21.1% | ↑ | — |
| Free-cash-flow margin | 38.8% | 32.8% | ↑ | — |
| Return on invested capital | 1.3% | — | Top 50% | |
| Revenue growth, 3-year CAGR | 10.6% | — | Bottom 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.53×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 6.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -8.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.47×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 17.06%
- Shareholder yield
- 17.06%
- Share count change, 1 year
- -14.9%
- Share count change, 3-year CAGR
- +4.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | — | -1.0% | +0.3% | +4.6% | — |
| Apr 24, 2026 | — | +1.2% | -2.3% | -1.7% | +4.4% |
| Jan 23, 2026 | — | -0.8% | -0.4% | +2.4% | +6.0% |
| Oct 17, 2025 | — | +0.5% | +11.7% | +15.9% | +26.5% |
| Jul 17, 2025 | — | +2.0% | +5.6% | +7.5% | +0.1% |
| Apr 17, 2025 | — | +1.2% | +8.6% | +10.6% | +8.3% |
| Mar 27, 2025 | — | +1.0% | -1.3% | -0.3% | -7.3% |
| Oct 21, 2024 | — | -0.3% | -0.5% | +2.4% | +8.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.47 | — | — | $12.7M |
| Apr 24, 2026 | $0.40 | — | — | $12.1M |
| Jan 23, 2026 | $0.65 | — | — | $13.8M |
| Oct 17, 2025 | $0.49 | — | — | $13.2M |
| Jul 17, 2025 | $0.38 | — | — | $13.0M |
| Apr 17, 2025 | $0.30 | — | — | $12.4M |
| Mar 27, 2025 | $0.18 | — | — | $12.6M |
| Oct 21, 2024 | $0.35 | — | — | $12.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.3× | 14.6× | 43th | Top 47% |
| EV / EBITDA | 10.4× | — | — | Top 31% |
| EV / Sales | 3.39× | — | — | Bottom 46% |
| Free-cash-flow yield | 10.94% | — | — | Top 30% |
| Earnings yield | 6.97% | — | — | Top 47% |
P/E over the past five years
Range 6.2× – 18.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +32.6%
- Earnings per share growth (TTM)
- +43.7%
- Change in P/E multiple
- -10.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 240
- 50-day average slope (20 days)
- -0.3%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- +0.0%
- Distance from 200-day average
- +6.1%
- RSI (14)
- 51.2
- Relative volume
- 1.05×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 28.9%
- Volatility vs own 5-year history
- 69th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.55
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -3.0%
- Maximum drawdown, 3 years
- -30.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 22, 2023 | Aug 24, 2023 | -72.3% | 127 days | Not yet recovered |
| Mar 23, 2021 | Jun 29, 2021 | -17.3% | 68 days | 30 days (Aug 11, 2021) |
| Oct 13, 2020 | Oct 14, 2020 | -16.1% | 1 days | 9 days (Oct 27, 2020) |
| Apr 13, 2022 | Jun 16, 2022 | -16.0% | 44 days | 127 days (Dec 16, 2022) |
| Nov 17, 2020 | Nov 18, 2020 | -14.9% | 1 days | 63 days (Feb 22, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $183.8M
- P/E (TTM)
- 14.3
- EPS, diluted (TTM)
- $1.48
- Revenue (TTM)
- $51.8M
- 52-week range
- $14.60 – $22.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $31.7M | $38.8M | $47.0M | $49.2M | $52.4M |
| Gross profit | $27.4M | $34.3M | $37.8M | $37.9M | $40.2M |
| Operating income | $12.8M | $14.6M | $18.6M | $16.4M | $17.0M |
| Net income | $9.4M | $10.5M | $13.7M | $11.7M | $13.5M |
| EPS (diluted) | $1.32 | $1.32 | $1.47 | $1.10 | $1.43 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $12.8M | $12.6M | $12.4M | $13.0M | $13.2M | $13.8M | $12.1M | $12.7M |
| Net income | $3.8M | $2.0M | $2.1M | $2.9M | $3.7M | $4.8M | $1.1M | $3.5M |
| EPS (diluted) | $0.35 | $0.18 | $0.21 | $0.29 | $0.38 | $0.56 | $0.13 | $0.41 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $10.6M | $9.7M | $15.2M | $16.1M | $19.0M |
| Capital expenditure | -$415,000 | -$502,000 | -$155,000 | -$611,000 | -$237,000 |
| Free cash flow | $10.2M | $9.2M | $15.0M | $15.5M | $18.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $36,000 | $1,000 | $98.0M | -$17.7M | -$30.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $40.9M
- Total assets
- $878.0M
- Total liabilities
- $694.8M
- Total debt
- $633,000
- Net debt
- -$8.0M
- Shareholders’ equity
- $183.2M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Dec 28, 2018 | $0.03 | Jan 7, 2019 |
| Oct 30, 2018 | $0.03 | — |
| Aug 7, 2018 | $0.03 | — |
| Mar 3, 2010 | $0.03 | — |
| Dec 4, 2009 | $0.03 | — |
| Sep 2, 2009 | $0.03 | — |
| Jun 3, 2009 | $0.03 | — |
| Mar 4, 2009 | $0.03 | — |
Short interest
- Shares sold short
- 128,445
- Days to cover
- 7.31
- Change vs previous report
- -16.4%
FINRA short interest, settlement date Sep 15, 2026.