BV FINANCIAL INC (BVFL)
Financials · regional banks · NASDAQ
BV Financial is a Maryland-based community bank holding company focused on commercial and residential real estate lending.
What BV FINANCIAL INC does
BV Financial, Inc. is the bank holding company for BayVanguard Bank, a community-oriented financial institution. The company provides a variety of deposit and loan products, with a significant concentration in commercial real estate and residential mortgage lending across the Baltimore metropolitan area and various regions in Maryland.
Recent developments
In the second quarter of 2026, the company paid off $35.0 million in FHLB borrowings, utilizing liquidity from a shrinking loan portfolio. The company also repurchased 230,000 shares of common stock during the same period.
From BV FINANCIAL INC's filing of 2026-08-12.
Themes: community banking, real estate lending, commercial banking, mortgage lending
Fundamentals
- Price$21.57 as of 2026-10-08 close
- Market cap$183M as of 2026-08-07 (share count; price 2026-10-08)
- 1-year return+40.1% 2025-10-08 close $15.40 → 2026-10-08 close $21.57
- P/E15.40 as of 2026-10-08
- ROE+7.3% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Beta0.50 as of 2026-09-03
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
How BVFL compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 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 7.6% 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 278 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 14, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive). It made a new 20-day high about 2 trading days ago. It is 2.7% below its 52-week high (its highest price of the past year).
Trend
8
| Distance from the 200-day | it is trading 7.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +7.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $21.27 | $21.27 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.05 | $20.05 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 20.34. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 278 trading days ago — a "golden cross", a bullish long-term signal | 278 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 14, below the 25 that marks a real trend) | 14.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 54.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($20.34 to $21.94) — its "stochastic" reading is 77 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. | 76.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive) | 6 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 2.7% below its 52-week high (its highest price of the past year) | -2.7% |
| Above the 52-week low | it is 47.7% above its 52-week low (its lowest price of the past year) | +47.7% |
| Below the 52-week high | it is 2.7% below its highest point of the past year | 2.7% |
| Since a 20-day breakout | it made a new 20-day high about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 37 trading days ago | 37 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 — 4% 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. | 4.3% |
| From the all-time high | it is 5.7% below its all-time high | -5.7% |
| Nearest price level | it is trading 1.0% below a resistance level at $21.78 — a price it turned at five times since 2026-07-17, most recently on 2026-09-22. Since 2024-10-08 it has 9 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. | +1.0% |
| 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 1367.6% above its all-time low | +1,368% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 47th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.534 between its high and its low — about 2.5% 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 | $0.534 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $20.55 and $21.78 — 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 | $20.55 – $21.16 – $21.78 |
| Typical daily range (% of price) | its price moves about 2.5% 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 | 2.5% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (7.6% 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 | 2.8 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 | 0.58× |
|---|
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bullish engulfing | 2 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 2 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 1.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | -1.4% |
|---|---|---|
| Gap filled | a 2.1% gap down opened on 2026-09-23 has been "filled" 4 sessions ago — price traded back through the level the gap left behind, and it took 7 sessions to close | 4 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 lagged the market by 0.4 percentage points (the stock gained 0.7% while the market gained 1.0%) | -0.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.6 percentage points (the stock gained 1.3% while the market gained 3.8%) | -2.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 5.3 percentage points (the stock gained 12.2% while the market gained 17.5%) | -5.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 25.1 percentage points (the stock gained 40.1% while the market gained 15.0%) | +25.1% |
Signal agreement
2
| Bullish technical signals | 5 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, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 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 2.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 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. | +2.0% |
|---|
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 $20.21 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | +6.7% |
|---|
Rectangle, either side — forming · entry $21.80 · 65 sessions in
Price levels it has turned at before
BVFL last closed at $21.57 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $21.78 | Resistance | 1.0% above the last close | turned there five times · 2026-07-17 to 2026-09-22 |
| $20.34 | Support | 5.7% below the last close | turned there 9 times · 2026-04-17 to 2026-09-29 |
| $19.81 | Support | 8.2% below the last close | turned there twice · 2025-12-17 to 2026-02-06 |
| $19.40 | Support | 10.1% 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 three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $20.34.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 3 trading days, since 2026-10-06.
Read from daily closes as of 2026-10-08.
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 · Near the 52-week high · Broke out to a new 20-day high · trendless / choppy (low ADX) · lagging the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Significant concentration in commercial real estate loans, which carry higher credit risk than residential mortgages.","Geographic concentration in Maryland increases vulnerability to local economic downturns and real estate market fluctuations.","Potential for insufficient allowance for credit losses if economic forecasts or assumptions prove inaccurate."]
What changed in the latest 10-Q
AI-assisted comparison of BVFL's 10-Q filed 2026-08-12 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing adds 'within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934' after 'forward-looking statements' in the Cautionary Note.
- Newer filing adds a risk factor bullet: 'risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors'.
- Newer filing adds a risk factor bullet: 'the operational risks associated with the adoption of artificial intelligence and other emerging technologies' to the technology enhancement bullet.
- Removed:
- Older filing includes the word 'intend' twice in the list of forward-looking identifying words; newer filing lists it once.
- Older filing contains a separate risk factor bullet: 'system failure or cyber-security breaches of our information technology infrastructure'; newer filing removes this bullet and replaces it with an expanded cybersecurity-related bullet.
- Older filing contains the phrase 'Investor CRE loans are made nationwide' with the abbreviation 'CRE'; newer filing uses the fuller phrase 'Investor commercial real estate loans are made nationwide' instead.
- Reworded:
- Older filing risk factor bullet 'the imposition of tariffs or other domestic or international governmental policies and retaliatory responses' is changed in newer filing to 'the imposition of tariffs or other domestic or international governmental policies, trade restrictions and retaliatory measures impacting our borrowers and the broader economy'.
- Older filing risk factor bullet 'our ability to retain key employees' is changed in newer filing to 'our ability to attract and retain key employees'.
- Older filing risk factor bullet 'the failure to maintain current technologies and/or successfully implement future information technology enhancements' is changed in newer filing to 'the failure to maintain current technologies and/or successfully implement future information technology enhancements and the operational risks associated with the adoption of artificial intelligence and other emerging technologies'.
- Older filing text 'The ACL includes quantitative estimates of losses for collectively and individually evaluated loans. The quantitative estimate for collectively evaluated loans (other than investor commercial real estate loans) is determined using the average charge-off method that utilizes historical losses for all Maryland banks with assets less than $1 billion beginning in March 2000. The investor commercial real estate portfolio utilizes the national loss history...' is changed in newer filing to 'The ACL includes [line break] quantitative estimates of losses for collectively and individually evaluated loans. The quantitative estimate for collectively evaluated loans (other than investor commercial real estate loans) is determined using the average charge-off method that utilizes historical losses for all Maryland banks with assets less than $1 billion beginning in March 2000. The investor commercial real estate portfolio utilizes the national loss history for banks with assets less than $1 billion over the same time period. Investor commercial real estate loans are made nationwide, therefore, management deems it appropriate to utilize national loss rates when evaluating this portf' (older filing text continues with 'portfolio. Adjustments are made...' while newer filing provided text is truncated at 'portf').
- Notes:
- The newer filing text provided ends mid-word at 'portf' in the Allowance for Credit Losses section, so the remainder of that section cannot be compared.
- Only the portions of the MD&A supplied in the prompt were compared; if either filing contains additional MD&A content beyond the excerpt, it was not evaluated.
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)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 180 days · read to 2026-10-040 buys · 88 sells ($1M) — 1 selling insider
Most recent open-market transaction: 2026-06-12. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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)
4 institutional 13F filers reported holding BVFL as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 732,120
- Reported value $15,506,298
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 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.
Ask about BVFL's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BVFL had 128,445 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BVFL had 1.52% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.31 days to cover at the same settlement.
- Reported short interest (shares) 128,445
- Short interest (% of shares outstanding) 1.52%
- Prior settlement (shares) 153,544
- Reported change -16.35%
- Days to cover (reported) 7.31
Reported to FINRA as of the 2026-09-15 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
- M&T Bank (MTB)
- Sandy Spring Bancorp (SASR)
- Fulton Financial (FULT)
- TowneBank (TOWN)
- Eagle Bancorp (EGBN)
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 the bank holding company for BayVanguard Bank, a community-oriented financial institution. The company provides a variety of deposit and loan products, with a significant concentration in commercial real estate and residential mortgage lending across the Baltimore metropolitan area and various regions in Maryland.
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 M&T Bank, Sandy Spring Bancorp, Fulton Financial, TowneBank and Eagle Bancorp. 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 55, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BVFL come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.