BV Financial, Inc. (BVFL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$21.82-2.06%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · BVFL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.1% |
| Our one-year growth estimate | diamond | 8.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 11.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
BVFL — legal / regulatory event — Changes in Registrant’s Certifying Accountant
Dated 2026-02-23
Changes in Registrant’s Certifying Accountant. On February 20, 2026, the Audit Committee of the Board of Directors (the “Audit Committee”) of BV Financial, Inc. (the “Company”) approved the dismissal of Forvis Mazars, LLP (“Forvis Mazars”) as the Company's independent registered public accounting firm effective upon completion by Forvis Mazars of its audit of the Company's consolidated financial statements for the fiscal year ended December 31, 2025 and the filing of the Company's 2025 Annual…
Why it matters: Non-accrual loans rose from $2.3 million at year-end to $3.2 million in September. A further rise would point to weaker loan health.
Worry ifThe next quarterly report shows non-accrual loans above $3.2 million.
Less concerning ifThe next quarterly release reports non-accrual loans at or below $3.2 million.
Why it matters: Net loans fell about 3% from year-end through September. More shrinkage may limit interest income.
Worry ifNet loans fall below $726.34 million in the next quarterly release.
Less concerning ifNet loans rise above $726.34 million in the next quarterly release.
Why it matters: Third-quarter costs fell year over year, but nine-month costs rose. A lower total would show the recent cost cuts are lasting.
Supportive ifThe next nine-month report shows costs outside interest below $18.1 million.
Worry ifThe next nine-month report shows costs outside interest above $18.1 million.
Why it matters: BVFL bought back shares in all three reported quarters. Further buybacks would show this plan remains active.
Supportive ifThe next quarterly report shows another share buyback under the approved plan.
Worry ifThe next quarterly release reports no share repurchases, or says the program has ended.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$102 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $260 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $852 loss on $10,000 · 8.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.