Yahoo Finance report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Why BVFL Stock slipped -1.93% Today — RQD Quant Desk Flash
BV Financial Inc. (BVFL) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is BVFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, BV Financial Inc. (NASDAQ: BVFL) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $21.90 (-1.93% 1D, market cap $189.1M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BVFL ranks #165 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does BVFL compare to FNWD and FCAP in the Financials sector?
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Within the Financials sector (Savings Institutions), BVFL carries a Roarable C+ (69/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 7.3%. By comparison, FNWD (Finward Bancorp) holds a C+ grade (66/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M) and FCAP (First Capital Inc.) posts a C+ grade (67/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for BVFL?
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Per BVFL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001302387), BV Financial Inc. generated $0 in revenue, $13.5M in net income, and $18.8M in free cash flow against $912.2M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
FRED Regime × Technicals: 88% of 52W Range • RSI-14 at 58.1 (BULLISH MOMENTUM)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
⚔️ Adversarial Opposing Case: Why the BVFL Bull Thesis Could Fail
Even with a 69/100 (C+) score, BVFL faces multiple-compression risk if 14.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.47) or 200D SMA ($20.36) invalidates the momentum regime and cuts Target Base ($22.98) toward Bear Floor ($17.92).
Why BVFL Stock slipped -1.93% Today — RQD Quant Desk Flash
BV Financial Inc. (BVFL) slipped -1.93% to $21.90, trading at 88% of its 52-week range ($16.13 – $22.7). Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 88% of its 52-week range ($16.13 – $22.7) with RSI-14 at 58.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $21.90 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $18.8M annual free cash flow.
Yahoo! Finance Canada report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
BV Financial (NASDAQ:BVFL) reported quarterly earnings of $0.42 per share. This is a 2.44 percent increase over earnings of $0.41 per share from the same period last year. The company reported $9.758 million in sales
BV Financial's rising net interest income, lower funding costs, improved loan delinquencies and aggressive buybacks strengthen its growth prospects.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (BVFL Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
BVFL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BVFL today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BVFL. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BVFL)
1. Head-to-Head Financials Peer Comparison (BVFL vs. FNWD, FCAP, FGBI, CZWI)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, BV Financial Inc. (BVFL) ranks #165 by composite RQD confidence (69/100, grade C+) and #896 by equity capitalization ($189.1M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. BVFL currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BVFL
ACTIVE
BV Financial Inc. | C+ | 69/100 | 14.0x | — | 7.3% | -1.93% | $189.1M | Benchmark Subject |
| FNWD Finward Bancorp | C+ | 66/100 | 23.5x | — | 4.6% | -1.34% | $190.2M | /fnwd-vs-bvfl → |
| FCAP First Capital Inc. | C+ | 67/100 | 13.0x | — | 11.9% | -1.89% | $213.4M | /fcap-vs-bvfl → |
| FGBI First Guaranty Bancshares Inc. | D- | 40/100 | — | — | -16.1% | -1.84% | $161.6M | /fgbi-vs-bvfl → |
| CZWI Citizens Community Bancorp Inc. | C | 62/100 | 15.8x | — | 7.7% | -1.01% | $228.4M | /czwi-vs-bvfl → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001302387In its most recent audited fiscal period (FY2025, filed 2025-12-31), BV Financial Inc. (BVFL) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $13.5M, operating cash flow of $19.0M, and free cash flow of $18.8M (+21.6% YoY). On the balance sheet, BVFL closed FY2025 with $912.2M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $13.5M | $19.0M | $18.8M | $912.2M | — |
| FY2024 (FY) | 2024-12-31 | $0 | $11.7M | $16.1M | $15.5M | $911.8M | — |
| FY2023 (FY) | 2023-12-31 | $0 | $13.7M | $15.2M | $15.2M | — | — |
3. BVFL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs BVFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, BV Financial Inc. (NASDAQ: BVFL) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $21.90 (-1.93% 1D, market cap $189.1M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BVFL ranks #165 in composite RQD confidence.
How does BVFL compare to FNWD and FCAP in the Financials sector?
Within the Financials sector (Savings Institutions), BVFL carries a Roarable C+ (69/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 7.3%. By comparison, FNWD (Finward Bancorp) holds a C+ grade (66/100 RQD, P/E 23.5x, ROIC 4.6%, cap $190.2M) and FCAP (First Capital Inc.) posts a C+ grade (67/100 RQD, P/E 13.0x, ROIC 11.9%, cap $213.4M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for BVFL?
Per BVFL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001302387), BV Financial Inc. generated $0 in revenue, $13.5M in net income, and $18.8M in free cash flow against $912.2M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is BVFL trading relative to its 50-day, 200-day, and 52-week technical levels?
BVFL last traded at $21.90 (-1.93% on volume of 18,006 shares), positioning the stock +2.00% above its 50-day simple moving average ($21.47) and +7.56% above its 200-day simple moving average ($20.36). Across its 52-week range of $16.13 to $22.70, BVFL sits at the 87.8% percentile with a 14-day RSI of 58.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($20.94 to $22.86).
BVFL Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is BVFL stock moving today?
Why BVFL Stock slipped -1.93% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
BVFL — BV Financial Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, BVFL scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:
- Fundamental Cash Engine: 13 / 20. Per the Roarable RQD rating, this reflects an ROIC of 7.3% and an FCF yield of 9.93%. For an investor, a 9.93% FCF yield is a meaningful cash-generation signal relative to a $189.1M market cap, but the 7.3% ROIC is modest, so the pillar is held back from a higher score.
- Whale 13F Flow: 13 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The detailed 13F and options inputs are not itemized in the source data, so the score is best read as moderate institutional interest rather than a strong accumulation signal.
- Insider Conviction: 16 / 20. Per the Roarable RQD rating, this is the highest-scoring pillar and reflects SEC Form 4 and Congressional PTR cluster flow. The individual transactions are not itemized in the source data, so the score signals supportive insider activity without specifying direction or magnitude.
- Macro Regime Fit: 14 / 20. Per the Roarable RQD rating, beta is 1.0 and sector sensitivity is noted. A beta of 1.0 implies the stock tracks broad market movement; it neither amplifies nor dampens market swings.
- Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 5/9, and Debt/Equity is 0.5. These are middling forensic readings: not a distress signal, but not a clean bill of health either.
Valuation context: per the market data, the stock trades at 14x trailing and 13x forward earnings on EPS of 1.59. The 52-week range of $16.13–$22.7 places the $22.33 price near the upper end of that band. Upside drivers include the cash-generation and insider signals; the main valuation tradeoff is that the price already sits near the top of its range while the rating is a Hold rather than a Buy. The "Watch for Breakout" label implies the investment case depends on a directional move the current data does not yet confirm.
Business
Per the company profile, BV Financial Inc. (BVFL) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry. Per the same profile, it carries a market capitalization of $0.2B. The source data does not describe its specific products, customer base, or revenue model. Per the SEC financials, reported revenue for each period is $0.0M, so the source data does not show how revenue is generated.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $13.5M | N/A | $18.8M | $55.7M | N/A |
| FY 2024 | $0.0M | $0.0M | $11.7M | N/A | $15.5M | $70.5M | N/A |
| FY 2023 | $0.0M | $0.0M | $13.7M | N/A | $15.2M | N/A | N/A |
Per the SEC financials, net income was $13.5M in FY 2025, $11.7M in FY 2024, and $13.7M in FY 2023, and free cash flow was $18.8M, $15.5M, and $15.2M across the same periods. Per the market data, gross, operating, and net margins are each reported as 0%, and the source data does not provide meaningful margin figures. Per the market data, ROIC is 7.3%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 5/9. Cash declined from $70.5M in FY 2024 to $55.7M in FY 2025, and debt is not available in source data.
Recent Catalysts & News Wire Analysis
- Earnings softness (YELLOW): Multiple headlines describe Q3 results with softer or pressured revenue, including one noting the stock "cools" after the report.
- Lower operating costs (YELLOW): A TradingView headline states Q3 earnings rose year over year on lower operating costs.
- Buyback catalyst (GREEN): A Stock Titan headline reports a $9.3 million stock buyback over nine months alongside a $3.4 million quarterly profit.
- Risk watch (RED): A Quiver Quantitative headline reports Q3 net income fell to $3.4 million with EPS of $0.42.
- Butterfly signals: Per the Butterfly Supply-Chain Graph, the supply chain is "NONE," with no butterfly links and no proprietary signals.
Open Questions
- What drives revenue, given that reported revenue is $0.0M across all periods?
- What is the total debt level, and how does it reconcile with the reported Debt/Equity of 0.5?
- Why did cash decline from $70.5M to $55.7M, and does the $9.3M buyback explain part of it?
- What are the direction and size of the insider and Congressional transactions behind the Insider Conviction score?
- What specific revenue and cost drivers explain the Q3 headlines, which conflict on whether revenue softened or costs improved?
BVFL Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for BV Financial Inc. (BVFL) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Yahoo! Finance Canada report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering BV Financial Inc. (BVFL) market action, institutional positioning, and fundamental catalysts.
BVFL Bull vs. Bear Conversation Board — What's Your Call at $21.90?
🔥 Official Bull vs. Bear Debate: Is BVFL (C+ • RQD 69/100) a Buy at $22.33?
Welcome to the BVFL (BV Financial Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on BVFL — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on BVFL, but look at what you are paying: 14.0x trailing P/E with tightening sector spreads. Unless BV Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
BVFL cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on BVFL, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $22.33 (52-wk range $16.13 - $22.70), any beat on forward guidance forces shorts and underweight funds to chase.