Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data BV Financial, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2023
FY2024
FY2025
Interest expense
3.43
9.19
Pre-tax income
14.6
18.6
16.4
18.9
Income tax
4.03
4.92
4.68
5.37
Net income
10.5
13.7
11.7
13.5
EPS, basic
1.32
1.47
1.10
1.44
EPS, diluted
1.32
1.47
1.09
1.43
Shares, basic (weighted)
7.95
9.3
10.7
9.38
Shares, diluted (weighted)
7.97
9.34
10.7
9.46
Balance sheet
FY2023
FY2023
FY2024
FY2025
Cash and equivalents
68.7
73.7
70.5
55.7
Property, plant and equipment
15.2
14.3
13.2
12.5
Lease right-of-use assets
0.62
1.13
0.93
0.71
Goodwill
14.4
14.4
14.4
14.4
Intangible assets
1.2
1.01
0.83
0.65
Total assets
845
885
912
912
Total liabilities
747
686
716
728
Total debt
49
37.3
49.9
35
Paid-in capital
15.4
110
94.7
68.8
Retained earnings
84.6
97.8
109
123
Other comprehensive income
-2.34
-1.96
-1.62
-1.13
Shareholders' equity
97.8
199
195
184
Total equity
97.8
199
195
184
Total liabilities and equity
845
885
912
912
Shares outstanding
7.96
11.4
10.6
8.85
Cash flow statement
FY2023
FY2023
FY2024
FY2025
Net income
10.5
13.7
11.7
13.5
Depreciation and amortization
0.86
0.86
0.82
0.79
Stock-based compensation
0.26
0.36
1.91
4.16
Deferred income tax
0.31
0.21
-0.06
1.15
Cash from operations
9.71
15.2
16.1
19
Capital expenditures
-0.5
-0.16
-0.61
-0.24
Purchases of investments
-5.08
-6.92
-14.5
-16
Sales and maturities of investments
7.86
5.46
12.1
20.6
Cash from investing
-27.8
-35.2
-32.5
-13.3
Stock issued
0
98
Share buybacks
-17.7
-30
Cash from financing
-24.5
25.1
13.2
-20.5
Net change in cash
-42.5
5.09
-3.24
-14.8
Free cash flow
9.21
15
15.5
18.8
Interest paid
3.43
9.19
11.3
12.7
Income taxes paid
4.03
4.92
5.89
3.01
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $20.87 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
31.2%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
7.1%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.5%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
15.1%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
8.6%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
31.2%
EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y
2.7%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow growth, 1y
18.4%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
25.1%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
21.6%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
26.8%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
-6.0%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
23.4%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
0.0%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
2.6%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-11.7%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
5.9%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
0.0%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$1.59
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$2.17
Free cash flow / diluted weighted shares.
Operating cash flow per share
$2.17
Cash from operations / diluted weighted shares.
Book value per share
$21.50
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Share buybacks / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$176.8M
Share price x shares outstanding.
Enterprise value
$107.9M
Market cap + total debt - cash - short-term investments.
P/E
13.5x
Market cap / net income. Only when net income is positive.
P/B
0.96x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.05x
Market cap / tangible book value, when positive.
P/FCF
9.86x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
9.86x
Market cap / cash from operations, when positive.
EV/FCF
6.01x
Enterprise value / free cash flow, when both are positive.
FCF yield
10.1%
Free cash flow / market cap.
Earnings yield
7.4%
Net income / market cap (the inverse of P/E).
Shareholder yield
17.7%
(Dividends paid + share buybacks) / market cap.
PEG
5.00x
P/E / EPS growth per year over 3 years (in percent). Only when both are positive.
Was BV Financial, Inc. profitable in fiscal 2025?
Yes. Net income was $13.5M, a net margin of -.
How much free cash flow did BV Financial, Inc. generate in fiscal 2025?
Cash from operations of $19.0M minus capital expenditures of $237.0K left free cash flow of $18.8M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.