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
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 recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.1% |
| 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.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 8.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
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: Finishing the buyback may show trust in the company's finances.
Supportive ifNews will come out about the end of the stock buyback program.
Worry ifNo news about finishing the stock buyback program.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could impact investor confidence in BV Financial.
Worry ifQ2 revenue growth falls below the median of 15%.
Less concerning ifQ2 revenue growth stays above the median of 15%.
Why it matters: Going over the 10% repurchase limit may show good capital management. This can help share price.
Supportive ifRepurchases are over 861,000 shares. This is 10% of the authorized shares.
Worry ifRepurchases fall short of the 10% limit.
Why it matters: A drop in revenue may show growth problems. This can affect investor confidence.
Worry ifReported revenue falls below $12 million, which was stable in Q1 and Q2 2026.
Less concerning ifRevenue remains at or above $12 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$99 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 | $1,266 loss on $10,000 · 12.7% | 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.
Why it matters: If noninterest income drops, it may show weak revenue from sources other than loans.
Worry ifNoninterest income was less than $467,000.
Less concerning ifNoninterest income was more than $467,000.
Why it matters: If revenue growth stays steady or improves, it shows the company is still growing. This is important even with recent drops.
Supportive ifQ2 revenue shows growth year over year, reversing the recent decline.
Worry ifQ2 revenue continues to decline year over year.
Why it matters: Keeping the loan portfolio stable is key. It helps maintain income and manage credit risk.
Supportive ifNet loans stabilize or grow from $711.6 million reported in Q2 2026.
Worry ifNet loans decrease further from $711.6 million.
Why it matters: If sector revenue growth drops, it could impact BV Financial's growth and investor sentiment.
Worry ifSector revenue growth falls below its median for the first time in three years.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Finishing the current buyback may show the company is ready for a new program.
Supportive ifThe company is done buying back about 45,000 shares.
Worry ifThe company puts off finishing the current buyback program.
Why it matters: A drop in net income shows problems after the leadership change and rising bad loans.
Worry ifQ3 net income reported below $3 million.
Less concerning ifQ3 net income exceeds $3 million.
Why it matters: More bad loans mean worse credit quality. This could hurt future earnings.
Worry ifBad loans reported are over $4 million.
Less concerning ifBad loans stay below $3.4 million.
Why it matters: Starting a stock buyback program shows trust in the company's value and spending plans.
Supportive ifAnnouncement of a stock repurchase program for up to 10% of shares.
Worry ifNo announcement of a stock repurchase program by the next earnings call.
Why it matters: A big drop in the loan portfolio raises worries about the company's growth and credit care.
Worry ifLoan portfolio declines more than 6% compared to the previous quarter.
Less concerning ifLoan portfolio decline remains below 5.9%.