BV FINANCIAL INC (BVFL)

What BV FINANCIAL INC does

BV Financial, Inc. is a community bank holding company that originates and holds residential mortgage loans, commercial real estate loans, and other consumer and commercial loans. As of December 31, 2025, the company had total assets of approximately $912 million and total deposits of approximately $673 million. The bank operates through its subsidiary and generates revenue primarily from net interest income on its loan portfolio and deposits, supplemented by noninterest income from deposit service fees, debit card fees, and investment income.

Fundamentals

• Price$21.54 as of 2026-07-09 close
• Market cap$187M as of 2026-07-10
• 1-year return+33.6% as of 2026-07-09 close
• P/E14.94 as of 2026-07-10
• ROE+6.6% as of 2026-07-10
• Debt / equity0.00 as of 2026-07-10
• Beta-0.11 as of 2026-07-10

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Key risks (from latest filing)

["Commercial real estate lending concentration: 53.2% of loan portfolio ($401.4 million) was commercial real estate loans as of December 31, 2025, which carry greater credit risk due to dependence on successful business operation and local economic conditions.","Non-owner occupied property risk: 42.6% of total loan portfolio ($321.7 million) consisted of non-owner occupied commercial real estate loans, which depend on tenant rental income and expose the bank to greater risk of non-payment and loss.","Geographic concentration and collateral value risk: Loans originated by the investment real estate group are secured by collateral located outside Maryland, and declines in real estate values could cause residential and commercial mortgages to be inadequately collateralized."]

See BVFL's biggest risks from its latest 10-Q →

Competitors & peers

• First National Corporation (FNC)
• Sandy Spring Bancorp (SASR)
• Eagle Bancorp Maryland (EGBN)
• Stifel Financial (SF)
• Fidelity D&D Bancorp (FDBC)

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