BV Financial, Inc. (BVFL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BV Financial, Inc. stock $24.30, price $21.57, upside +12.7%, quality 62 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $6.89 – $22.86 · fair‑value band $18.23 – $30.38 · the $21.57 price screens below the $24.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States.
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The company offers noninterest-bearing and interest-bearing checking accounts and money market accounts, savings accounts, and certificates of deposits.
Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; personal credit cards; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects.
It also provides ATM, overdraft, safe deposit, bill pay, positive pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
Stock analysis
BV Financial, Inc. (BVFL) currently trades at $21.57, while our model-based Fair Value estimate is $24.30, implying the stock looks roughly 11% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $24.30 per share, and 1 of the 4 models we run sit above the $21.57 price.
Bear case: the Asset-Based group reads lowest at $13.35, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $18.23 (bear) to $30.38 (bull), the price of $21.57 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BV Financial, Inc. Common Stock reported revenue of $52.4M in FY2025 versus $31.7M in FY2021, a compound +13.4%/yr. Reported net income was $13.5M in FY2025, compounding +9.3%/yr from FY2021.
Key figures
Market cap $181M Micro · P/E ratio 14.2 · P/S ratio 4.33 · EPS (TTM) $1.52 · Net margin 30.6% · Return on equity 6.8% · Return on assets (EBIT) 1.8% (5-year average) · Operating margin 48.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 13%, BVFL screens cheaper than that median.
Fair Value models
Bear$18.23Fair Value $24.30Bull$30.38
Price $21.57 · Upside +12.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.30 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director sold shares worth $622,188 and none bought.
SaleJoseph S GalliDirector14× since Feb 26, 2026: 53,841 shares, avg. $19.92$1.1MJun 12, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.4%
Start year 2020 (pandemic). Over 10 years: +21.9% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+8.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.0%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.0% vs 21.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.45% → 32%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.1%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −8.2% a year for the price.
Compare BV Financial, Inc. Common Stock with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside+12.7% · Top 25%
Profitability
Return on equity (12 months)6.8% · Bottom 25%
Return on assets1.5% · Top 25%
Net margin (12 months)30.6% · Above median
Operating margin (12 months)48.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)−13.6% · Bottom 25%
Balance sheet
Debt / equity0.19× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)14.2× · Pricier than median
P/B0.98× · Cheaper than median
P/S (12 months)4.33× · Pricier than median
Price / free cash flow (fiscal year)9.6× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BV Financial, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/BVFL
Frequently asked questions
Is BV Financial, Inc. (BVFL) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $24.30 versus a price of $21.57, about +13% upside (undervalued).
What is the fair value of BVFL?
Our model-based fair value for BV Financial, Inc. is $24.30 (as of Nov 8, 2026), built from audited fundamentals. The current price: $21.57.
What is the quality score of BVFL?
BV Financial, Inc. has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BV Financial, Inc. (BVFL)?
Our model-based price target is the fair value of $24.30 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $18.23, optimistic scenario $30.38. It is a calculation from audited fundamentals, not an analyst target.
What is the BV Financial, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $24.30, about +13% upside versus a price of $21.57 (undervalued). Cautious scenario $18.23, optimistic scenario $30.38. The calculation is refreshed regularly with new filings.
What is the revenue of BV Financial, Inc. (BVFL)?
BV Financial, Inc. reported trailing-twelve-month revenue of about $41.9M (latest available figure, as of Nov 8, 2026).
What growth is priced into BV Financial, Inc. (BVFL)?
For today's price to be fair in a discounted-cash-flow model, BV Financial, Inc. would have to grow free cash flow by -6.1 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.4 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of BVFL use?
Our models discount BV Financial, Inc. at 11.2 %: a base by market capitalisation (micro), damped by beta 0.04, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For BV Financial, Inc. that is -6.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has BV Financial, Inc. (BVFL) delivered so far?
Over the past 5 years revenue at BV Financial, Inc. grew +21.4 % a year. The price currently implies free-cash-flow growth of -6.1 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of BV Financial, Inc. (BVFL) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into BV Financial, Inc. (-6.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of BV Financial, Inc. (BVFL)?
The free-cash-flow yield on the price is 10.38 %: that much free cash flow BV Financial, Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BV Financial, Inc. (BVFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BV Financial, Inc. it is $24.30 per share (as of Nov 8, 2026), against a price of $21.57. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is BV Financial, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BVFL trades below its calculated fair value: price $21.57, fair value $24.30, a gap of about +13% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BVFL?
No. The price is what the market pays today ($21.57); the fair value is what the company's own numbers justify ($24.30). For BV Financial, Inc. the two are $2.73 per share apart. That gap is exactly why we show both numbers side by side.
How much is BV Financial, Inc. Common Stock worth?
The market values BV Financial, Inc. at about $181M (market capitalisation, as of Nov 8, 2026). Per share that is $21.57; our models calculate a fair value of $24.30 per share.
What do the bullish and bearish scenarios say about BVFL?
Our models span a range for BV Financial, Inc.: cautious scenario $18.23, base $24.30, optimistic $30.38 per share (as of Nov 8, 2026, price $21.57). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BVFL?
BV Financial, Inc. trades at a price-to-earnings ratio of 14.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $24.30 is built from several models across several years. Other multiples: P/B 1.0, P/S 4.3, EV/EBITDA 9.1.
How solid is the balance sheet of BV Financial, Inc. (BVFL)?
Balance-sheet figures for BV Financial, Inc. (as of Nov 8, 2026): return on equity 6.8%, debt of 0.19 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is BVFL from its 52-week high?
BV Financial, Inc. trades at $21.57, about 4% below its 52-week high of $22.57 and 28% above the low of $16.79 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $24.30 is for.
Which stocks are comparable to BV Financial, Inc. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BV Financial, Inc. Common Stock stock attractive at the current price?
The data as of Nov 8, 2026: price $21.57, calculated fair value $24.30 (+13%), Quality Score 62/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BVFL calculated?
We run BV Financial, Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $24.30 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. BV Financial, Inc. currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BV Financial, Inc. (BVFL)?
The closing price on Nov 6, 2026 was $21.57. Our model-based fair value is $24.30, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BV Financial, Inc. Common Stock right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of BV Financial, Inc. (BVFL) come from?
Earnings per share at BV Financial, Inc. grew +21.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.6 %, EBIT margin +12.0 %, tax rate +0.9 %, residual (interest, one-offs) −0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of BV Financial, Inc.
How large is the market capitalisation of BV Financial, Inc. (BVFL)?
The market capitalisation of BV Financial, Inc. is $181M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BV Financial, Inc. (BVFL)?
The price-to-sales ratio of BV Financial, Inc. is 4.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BV Financial, Inc. (BVFL)?
Earnings per share at BV Financial, Inc. are $1.52 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BV Financial, Inc. (BVFL)?
The net margin of BV Financial, Inc. is 30.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BV Financial, Inc. (BVFL)?
The return on equity (ROE) of BV Financial, Inc. is 6.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BV Financial, Inc. (BVFL)?
On an EBIT basis the return on assets of BV Financial, Inc. is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BV Financial, Inc. (BVFL)?
The operating margin of BV Financial, Inc. is 48.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BV Financial, Inc. (BVFL)?
Revenue at BV Financial, Inc. is growing −13.6% versus a year earlier (3y avg +10.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BV Financial, Inc. (BVFL)?
Earnings per share at BV Financial, Inc. are growing +2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does BV Financial, Inc. (BVFL) hold?
BV Financial, Inc. holds more cash than debt, $20.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 8, 2026