BV Financial, Inc. (BVFL)
Operating cash flow minus capital spending left $18.8M of free cash flow in fiscal 2025. At June 30, 2026 it held $68.9M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 12, 2026.
Key facts about BV Financial, Inc.
- Net worth
- BV Financial, Inc. has a market value (market cap) of $185.7M at the latest share price, and shareholders' equity of $183.2M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $19M of cash; after $237K of capital spending, free cash flow was $18.8M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 12, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- BV Financial, Inc.'s next report is expected around January 22, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What BV Financial, Inc. does
BV Financial, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker BVFL.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $13.5M | $1.43 | $18.8M |
| 2024 | n/a | $11.7M | $1.09 | $15.5M |
| 2023 | n/a | $13.7M | $1.47 | $15M |
| 2023 | n/a | $10.5M | $1.32 | $9.2M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Latest SEC filings
What BV Financial, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 23, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 12, 2026
- July 24, 2026
- July 7, 2026
- June 30, 2026Form NT 11-K filing NT 11-K
- June 1, 2026Other event 8-K
- May 11, 2026
- May 8, 2026
- May 6, 2026Other event 8-K
Insider trades
What the people running BV Financial, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 579 | $11.5K |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 2,014 | $39.9K |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 100 | $2K |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 30 | $595.2 |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 2 | $39.7 |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 64 | $1.3K |
| June 12, 2026 | Galli Joseph SDirector | Soldindirect | 291 | $5.8K |
| June 11, 2026 | Galli Joseph SDirector | Soldindirect | 8,122 | $161.1K |
Who owns BVFL
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| BayVanguard Bank Employee Stock Ownership Plan Trust13G, passive | 9.6% | February 11, 2026 |
| AllianceBernstein L.P.13G, passive | 8.8% | August 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 69 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Alliancebernstein L.P. | 764,934 | -70,231 |
| BlackRock, Inc. | 593,526 | +26,181 |
| Vanguard Capital Management LLC | 305,938 | -65,519 |
| Geode Capital Management, LLC | 174,351 | +8,843 |
| Gendell Jeffrey L | 141,262 | 0 |
| Oppenheimer & Close, LLC | 134,533 | 0 |
| Dimensional Fund Advisors LP | 128,692 | +7,759 |
| Arrowstreet Capital, Limited Partnership | 115,248 | 0 |
| State Street Corp | 100,798 | -5,244 |
| Stilwell Value LLC | 80,000 | -10,000 |
| Beartown Capital Management, LLC | 60,616 | 0 |
| Northern Trust Corp | 52,896 | +2,428 |
| Goldman Sachs Group Inc | 51,050 | -11,702 |
| Vanguard Fiduciary Trust Co | 45,934 | +453 |
| Vanguard Portfolio Management LLC | 45,499 | +5,665 |
| Hsbc Holdings PLC | 39,888 | +1,965 |
| Panagora Asset Management Inc | 28,375 | +90 |
| Morgan Stanley | 26,775 | +4,968 |
| Bridgeway Capital Management, LLC | 25,149 | +1,578 |
| Barclays PLC | 22,779 | -299 |
Insiders
3 insiders reported holding 236,293 shares in total, about $5M at the last price.
| Holder | Shares |
|---|---|
| Flair David M.Co-President, Co-CEO, Director | 185,136 |
| Dee Michael JEVP and CFO | 45,926 |
| Searcy Rose M.EVP, Human Resources | 5,231 |
Questions about BVFL
What does BV Financial, Inc. do?
BV Financial, Inc. is a company in the Finance sector, listed on NASDAQ as BVFL. Its shares trade on NASDAQ under the ticker BVFL.
What is BV Financial, Inc.'s net worth?
BV Financial, Inc. has a market value (market cap) of $185.7M at the latest share price, and shareholders' equity of $183.2M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is BV Financial, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $13.1M.
When did BV Financial, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 12, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the quarterly results from October 23, 2026.
When is BV Financial, Inc.'s next earnings report?
BV Financial, Inc.'s next report is expected around January 22, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values BV Financial, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.