Reading BVFL? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BVFL free→Reading BVFL? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BVFL free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral. Earnings quality is also neutral. Management's recent track record has been fairly steady. Risk is moderate, and the sector backdrop is a headwind. Compared with sector peers, BVFL is typical. Peer multiples imply a price about 9% below where it trades (it looks expensive on this basis); the read is fair. If sector bellwethers like HDB, IBN, and PNC keep beating earnings, that could help BVFL. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 5 valuation methods, at three horizons. Current price $20.11. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $20 BVFL trades at 15× p/e, in line with its 12× p/e peer median. Our $19 fair value reflects that, high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 9% of near-term growth above a flat-multiple fair value; not enough history to forecast a comparison. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
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 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.43x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
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.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
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.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$93.
How much price usually moves either way.
On a bad day, this stock has moved -$220.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,343.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
Valuation rose by 10.3 points (from 47.9 to 58.2).
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The FOMC's interest rate decision can affect borrowing costs and financial sector performance. It may impact BV Financial's outlook.
Confirms one read:FOMC raises interest rates by 25 basis points.
Confirms the other:FOMC keeps interest rates unchanged or lowers them.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for BVFL yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
No upside scenarios in the latest snapshot.
No downside scenarios in the latest snapshot.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Other Events. On May 5, 2026, BV Financial, Inc. (the “Company”) received the non-objection of the Federal Reserve Bank of Richmond to initiate, a stock repurchase program for up to 10% of the Company’s outstanding shares of common stock (approximately 861,000 shares). Repurchases are expected to commence after the Company completes its current repurchase program, which has approximately 45,000 shares remaining. Shares of the Company’s common stock may be repurchased pursuant to the program i…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
BVFL BV Financial, Inc. | Typical Show detailsSector percentile: 60 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
4 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-16.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
BV Financial plans to initiate a stock repurchase program for up to 10% of its outstanding shares after completing the current program.
Newly stated in 2026-Q2. BV Financial announced plans to initiate a stock repurchase program for up to 10% of its outstanding shares, pending completion of the current program. This reflects a strategic capital allocation decision, but no financial impact is yet visible in the financials as the program has not commenced.
“BV Financial received non-objection from the Federal Reserve to initiate a stock repurchase program for up to 10% of its shares.”
BV Financial aims to sustain its revenue growth, as evidenced by its financial performance over recent quarters.
Stated in 4 of last 4 quarters. Revenue decreased slightly from $12.266 million in 2025-Q2 to $12.082 million in 2026-Q1, indicating a slight decline in growth trajectory. Despite the decrease, management continues to emphasize revenue growth as a priority.
“BV Financial reported revenue of $12.082 million in 2026-Q1.”
Why it matters: Retail sales data can impact consumer spending and financial performance. A strong report may support growth.
Confirms one read:Retail sales increase by more than 0.5% month over month.
Confirms the other:Retail sales decrease by more than 0.5% month over month.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could impact investor confidence in BV Financial.
Confirms:Q2 revenue growth falls below the median of 15%.
Disproves:Q2 revenue growth stays above the median of 15%.
Results of Operations and Financial Condition. On April 24, 2026, BV Financial, Inc. (the “Company”), the holding company for BayVanguard Bank, issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the Company's press release is attached as Exhibit 99.1 and is furnished herewith.
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…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers On January 22, 2026, BayVanguard Bank (the “Bank”), and its holding company BV Financial, Inc. (the “Company”), entered into a Separation, Consulting and Release Agreement (the “Agreement”) with David M. Flair. Under the Agreement, Mr. Flair resigned from his roles as Co-President and Co-Chief Executive Officer and as a director of the Company and t…
Results of Operations and Financial Condition. On January 23, 2026, BV Financial, Inc. (the “Company”), the holding company for BayVanguard Bank, issued a press release announcing its financial results for the quarter ended December 31, 2025. A copy of the Company's press release is attached as Exhibit 99.1 and is furnished herewith.
“BV Financial reported revenue of $13.033 million in 2025-Q4.”
“BV Financial reported revenue of $12.527 million in 2025-Q3.”
“BV Financial reported revenue of $12.266 million in 2025-Q2.”