BVFLFinancial Services · Banks - RegionalTicker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 83 of 100 as at 29 Oct 2026 — inside the top quartile.
Consensus tells you what everyone already believes. The model scores BV Financial, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (99): The share count has been shrinking and the company is not leaning on new borrowing.
Revisions (25): Analysts have, on balance, been cutting their forecasts.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on BVFL, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
BVFL appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 29 Oct 2026, BV Financial, Inc. returned +34.6% against +13.1% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 47% of US stocks
Cheaper than 27% of US stocks
Cheaper than 73% of US stocks
Higher than 13% of US stocks
Higher than 28% of US stocks
Higher than 95% of US stocks
Higher than 89% of US stocks
Higher than 56% of US stocks
Higher than 54% of US stocks
Higher than 66% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
BV Financial, Inc. has a market value of $187.7M and an enterprise value of $128.3M.
Revenue in the twelve months to 30 June 2026: $40.4M. The latest quarter shrank 13.6% year on year.
Net income over the same four quarters: $13.1M, a 32.4% net margin.
Diluted earnings per share, trailing twelve months: $1.52.
Free cash flow in the twelve months to 30 June 2026: $17.9M.
BV Financial, Inc. spent $31.4M on share buybacks in the twelve months to 30 June 2026.
Trailing P/E: 14.4×.
Forward dividend yield: 0.59%, paying out 0% of earnings.
BV Financial, Inc. employs 99 people — $408K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own BV Financial, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
BV Financial’s Q3 earnings per share improved year over year, supported by lower operating expenses and improved efficiency. Results came despite declining net interest income and higher credit costs.
Why it matters — BVFL watchers may want to note that lower operating costs supported earnings even as net interest income declined and credit costs increased.
BV Financial reported quarterly net income of $3.4 million, or $0.42 per diluted share, for the quarter ended September 30, 2026, compared with $3.7 million and $0.41 a year earlier. For the first nine months of 2026, net income was $8.0 million, or $0.97 per diluted share, versus $8.7 million and $0.88 for the same period in 2025.
Why it matters — The results show lower net income but higher diluted earnings per share for both the quarter and nine-month period compared with the year-earlier periods.
The Zacks Investment Research item says BV Financial has rising net interest income, lower funding costs, improved loan delinquencies and aggressive buybacks, which it describes as strengthening the company’s growth prospects.
Why it matters — These operating and capital-return developments are relevant to BVFL watchers assessing the company’s financial performance and outlook.
BV Financial's second-quarter earnings rose year over year, supported by higher net interest income, improved margins, and lower borrowing costs. These gains were partly offset by lower loan balances and softer noninterest income.
Why it matters — The earnings improvement, driven by lower funding costs and expanding margins, signals a potentially more profitable operating environment for BVFL despite headwinds from shrinking loan volumes.
BV Financial, Inc. reported its financial results for the quarter and six-month period ended June 30, 2026. Net income rose to $3.5 million ($0.42 per diluted share) for the quarter from $2.9 million ($0.29 per diluted share) a year earlier, while six-month net income was $4.6 million ($0.55 per diluted share) compared to $5.0 million ($0.50 per diluted share) in the prior-year period.
Why it matters — The quarterly earnings improvement signals a potential upward trend in profitability for BVFL, while the six-month comparison provides a fuller picture of the company's recent financial performance.
As at 29 Oct 2026, BV Financial, Inc. ranks 83 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (99 of 100).
No analyst covering BV Financial, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for BVFL are extrapolating price history, which says nothing about the business.
BV Financial, Inc. returned +34.6% over the 12 months to 29 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
BV Financial, Inc. is a bank holding company that serves as the parent of BayVanguard Bank, a community-focused financial institution providing traditional banking services to individuals and businesses.
The most recent item we track (Zacks Investment Research, 29 Oct 2026): "BV Financial Q3 Earnings Rise Y/Y on Lower Operating Costs". BV Financial’s Q3 earnings per share improved year over year, supported by lower operating expenses and improved efficiency. Results came despite declining net interest income and higher credit costs.
BV Financial, Inc. is a bank holding company that serves as the parent of BayVanguard Bank, a community-focused financial institution providing traditional banking services to individuals and businesses. Through its banking subsidiary, BV Financial offers deposit products, checking and savings accounts, certificates of deposit, and a range of lending solutions, including residential real estate, commercial real estate, construction, consumer, farm, and marine loans. The company focuses on serving customers across Maryland, supporting both household banking needs and the credit requirements of local businesses. Headquartered in Baltimore, Maryland, BV Financial operates as a commercial banking franchise centered on relationship-based financial services and community lending.
CEO Mr. Timothy L. Prindle · 99 employees · United States · https://www.bayvanguard.com
