BV FINANCIAL INC (BVFL)
Financials · regional banks · NASDAQ
A community-focused bank holding company specializing in commercial and residential real estate lending.
What BV FINANCIAL INC does
BV Financial, Inc. is a bank holding company that operates through its subsidiary, BayVanguard Bank. The bank provides a variety of community banking services, focusing on real estate lending—including commercial, residential, and investment real estate—alongside traditional deposit services for consumers and businesses.
Themes: commercial real estate lending, residential mortgage lending, community banking, regional banking
Fundamentals
- Price$21.42 as of 2026-08-21 close
- Market cap$181M as of 2026-08-21
- 1-year return+30.4% 2025-08-21 close $16.43 → 2026-08-21 close $21.42
- P/E14.77 as of 2026-08-24
- ROE+6.6% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Beta-0.15 as of 2026-08-24
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
How BVFL compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How BV FINANCIAL INC looks technically
BV FINANCIAL INC (BVFL) is trading 9.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 245 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It made a new 20-day high about 4 trading days ago. It is 3.4% below its 52-week high (its highest price of the past year).
Trend
8
| Distance from the 200-day | it is trading 9.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $21.10 | $21.10 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $19.50 | $19.50 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 21.8. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 245 trading days ago — a "golden cross", a bullish long-term signal | 245 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend) | 15.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 52.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($20.64 to $21.94) — its "stochastic" reading is 60 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 60.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $22.17 | $22.17 |
|---|---|---|
| From the 52-week high | it is 3.4% below its 52-week high (its highest price of the past year) | -3.4% |
| Above the 52-week low | it is 46.7% above its 52-week low (its lowest price of the past year) | +46.7% |
| Below the 52-week high | it is 3.4% below its highest point of the past year | 3.4% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day high about 4 trading days ago | 4 sessions |
| All-time high | its highest closing price on record is $22.86 (set on 2023-02-15) | $22.86 |
| Given back of the 52-week move | over the past year its closes ranged ($14.63 to $21.88), and it has given back only a small part of its rise from last year’s low — 6% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $17.17 to $17.40. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.3% |
| From the all-time high | it is 6.3% below its all-time high | -6.3% |
| Nearest price level | it is trading 1.9% below a resistance level at $21.82 — a price it turned at twice since 2026-07-17, most recently on 2026-08-04. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.9% |
| All-time low | its lowest closing price on record is $1.47 (set on 2011-10-19) | $1.47 |
| Above the all-time low | it is 1357.4% above its all-time low | +1,357% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 41st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5765 between its high and its low — about 2.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5765 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $20.64 and $21.93 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $20.64 – $21.29 – $21.93 |
| Typical daily range (% of price) | its price moves about 2.7% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.7% |
| Stretch from the 200-day average | it is trading 3.3 daily ranges above its 200-day average price (9.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.33× |
|---|
Candlestick patterns
1
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Gap filled | a 3.1% gap down opened on 2026-08-07 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 10 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock has tracked the market almost exactly (the stock gained 2.3% while the market gained 2.3%) | +0.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 5.7 percentage points (the stock gained 8.8% while the market gained 3.1%) | +5.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 0.9 percentage points (the stock gained 10.2% while the market gained 11.1%) | -0.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 9.9 percentage points (the stock gained 30.4% while the market gained 20.5%) | +9.9% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.4% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.3% of the share price, which is taken to mean a barrier that gives way easily. | +3.4% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $19.97 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +7.3% |
|---|
Price levels it has turned at before
BVFL last closed at $21.42 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $21.82 | Resistance | 1.9% above the last close | turned there twice · 2026-07-17 to 2026-08-04 |
| $20.30 | Support | 5.2% below the last close | turned there six times · 2026-04-17 to 2026-08-03 |
| $19.81 | Support | 7.5% below the last close | turned there twice · 2025-12-17 to 2026-02-06 |
| $19.40 | Support | 9.4% below the last close | turned there three times · 2026-05-04 to 2026-07-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $21.80.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $18.11 and $19.52 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $21.80.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) · Trading above the Ichimoku cloud · Elliott wave 3 candidates · Elliott counts at their invalidation level | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Concentration of credit risk in commercial real estate loans, which account for over half of the loan portfolio.","Sensitivity to local economic downturns and fluctuations in real estate values impacting collateral quality.","Increased risk associated with non-owner occupied properties where repayment depends on tenant rental income."]
What changed in the latest 10-Q
AI-assisted comparison of BVFL's 10-Q filed 2026-05-11 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to '2025 Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 27, 2026' in General section (newer filing)
- Added 'financial condition and' to first forward-looking statements bullet point: 'statements of our goals, financial condition and performance, intentions and expectations' (newer filing)
- Added bullet point: 'the impact of a potential government shutdown' (newer filing)
- Added bullet point: 'the current or anticipated impact of military conflict, terrorism or other geopolitical events' (newer filing)
- Removed:
- Removed reference to '2024 Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 27, 2025' in General section (older filing)
- Removed bullet point: 'changes in the quality or composition of our loan or investment portfolios' as standalone item (older filing had this; newer filing reorganized but retained as 'changes in the quality or composition of our loan or investment portfolios')
- Reworded:
- Changed first forward-looking statements bullet from 'statements of our goals, financial performance, intentions and expectations' to 'statements of our goals, financial condition and performance, intentions and expectations' (added 'financial condition and', removed 'financial performance' placement)
- Notes:
- Text truncation in both filings makes full comparison of 'Allowance for Credit Losses' section incomplete; substantive changes in that section cannot be fully assessed
- Page number differs between filings (33 vs 36), suggesting document length/structure differences not fully visible in provided excerpts
Risk Factors
- Added:
- Newer filing (2026-05-11) presents consolidated balance sheet as of March 31, 2026 and December 31, 2025
- Newer filing (2026-05-11) includes consolidated statements of income for three months ended March 31, 2026 and 2025
- Newer filing (2026-05-11) includes consolidated statements of changes in stockholders' equity for three months ended March 31, 2026 and 2025
- Newer filing (2026-05-11) includes consolidated statements of cash flows for three months ended March 31, 2026 and 2025
- Removed:
- Older filing (2025-11-13) presented consolidated balance sheet as of September 30, 2025 and December 31, 2024
- Older filing (2025-11-13) included consolidated statements of income for three months and nine months ended September 30, 2025 and 2024
- Older filing (2025-11-13) included consolidated statements of comprehensive income for three months and nine months ended September 30, 2025 and 2024
- Older filing (2025-11-13) included consolidated statements of changes in stockholders' equity for three months and nine months ended September 30, 2025 and 2024
- Older filing (2025-11-13) included consolidated statements of comprehensive income data
- Reworded:
- Balance sheet period changed from September 30, 2025 to March 31, 2026 as current quarter-end in newer filing (2026-05-11)
- Comparison period in balance sheet changed from December 31, 2024 to December 31, 2025 in newer filing (2026-05-11)
- Income statement comparison period changed from three months and nine months ended September 30 to three months ended March 31 in newer filing (2026-05-11)
- Subordinated debentures line item removed from balance sheet liabilities in newer filing (2026-05-11); appears in older filing (2025-11-13) as $35,000 thousand
- FHLB borrowings changed from $0 in older filing (2025-11-13) to $35,000 in newer filing (2026-05-11)
- Interest on subordinated debentures line item removed from interest expense in newer filing (2026-05-11); older filing (2025-11-13) shows $466 thousand for three months and $1,396 thousand for nine months
- Notes:
- The two filings represent different quarterly periods (Q1 2026 vs Q3 2025), making direct financial comparison limited
- Older filing provided nine-month year-to-date data; newer filing provides only three-month quarterly data
- Balance sheet dates differ (March 31, 2026 vs September 30, 2025), affecting comparability of asset and liability balances
- The removal of subordinated debentures and addition of FHLB borrowings suggests a potential debt restructuring between the two periods
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 53 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 53 sells ($597568) — 1 selling insider
- Last 180 days0 buys · 88 sells ($1M) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-12. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BVFL's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
3 institutional 13F filers reported holding BVFL as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 3
- Reported shares held 673,775
- Reported value $12,896,049
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
BVFL had 106,884 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
BVFL had 1.26% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.55 days to cover at the same settlement.
- Reported short interest (shares) 106,884
- Short interest (% of shares outstanding) 1.26%
- Prior settlement (shares) 108,060
- Reported change -1.09%
- Days to cover (reported) 6.55
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Sandy Spring Bancorp (SASR)
- Eagle Bancorp (EGBN)
- Fulton Financial (FULT)
- OceanFirst Financial (OCFC)
- Provident Financial Services (PFS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BV FINANCIAL INC (BVFL) do?
BV Financial, Inc. is a bank holding company that operates through its subsidiary, BayVanguard Bank. The bank provides a variety of community banking services, focusing on real estate lending—including commercial, residential, and investment real estate—alongside traditional deposit services for consumers and businesses.
What sector is BV FINANCIAL INC (BVFL) in?
BV FINANCIAL INC (BVFL) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Who are BV FINANCIAL INC's (BVFL) competitors?
Notable peers of BV FINANCIAL INC (BVFL) include Sandy Spring Bancorp, Eagle Bancorp, Fulton Financial, OceanFirst Financial and Provident Financial Services. This peer set is informational only — not financial advice.
Is BV FINANCIAL INC (BVFL) overbought or oversold right now?
BV FINANCIAL INC (BVFL) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BVFL come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.