BV Financial, Inc. (BVFL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$21.58-0.87%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BVFL
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Implement and complete a stock repurchase program authorized for up to 10% of outstanding shares to return capital to shareholders.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Sustain and grow revenue through ongoing banking operations despite portfolio adjustments and market conditions.
Stated as a priority in 2 of last 2 quarters. Revenue was stable at about $12.1M in 2026-Q1 and $12.2M in 2026-Q2, while net income increased from $1.1M to $3.5M, reflecting improved profitability. The trajectory shows delivering progress in maintaining revenue growth.
“Net income of $3.5 million for the quarter ended June 30, 2026 compared to $2.9 million for the same period in 2025.”
“Net income of $1.1 million for the quarter ended March 31, 2026 compared to $2.1 million for the same period in 2025, adjusted for executive transition costs.”
Focus on controlling credit losses and maintaining asset quality amid loan portfolio shrinkage and non-performing asset changes.
Stated as a priority in 2 of last 2 quarters. Net loans decreased from $735.6M in 2026-Q1 to $711.6M in 2026-Q2, while non-performing loans increased from $2.6M to $3.4M. The allowance for credit losses remained stable. The trajectory shows active management with some challenges in credit quality.
“Net loans decreased $44.3 million or 5.9% to $711.6 million; non-accrual loans increased to $3.4 million.”
“Loans decreased $19.3 million or 2.6% to $735.6 million; non-performing loans totaled $2.6 million.”
Over the trailing year it converted 1.84x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
4 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.