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BV Financial, Inc (BVFL) Fair Value & Analysis

Financial Services · US · Market cap $176M

Price$21.62
Fair Value$20.26
Upside-6.3%
Quality95/100
Evidence: High Range $15.19 – $25.32

Fair value as of: Jun 26, 2026

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Analysis

BV Financial, Inc (BVFL) currently trades at $21.62, while our model-based Fair Value estimate is $20.26 — implying the stock looks roughly 6.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States. 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.

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Frequently asked questions

Is BV Financial, Inc (BVFL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $20.26 versus a price of $21.62 — about −6% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BVFL?
Our 21-model fair value for BV Financial, Inc is $20.26 (as of Jun 26, 2026), built from audited fundamentals. The current price is $21.62.
What is the quality score of BVFL?
BV Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.