BVFL

BV Financial, Inc.

Financial Services · $181M market cap

Verdict

Share price

$21.23

close of Oct 3, 2026

Fair value

$23.70

Sticker Price

Payback Price

$9.48

buy price

Undervalued

BVFL is Undervalued: at $21.23 it trades 10% below its fair value of $23.70. Its buy price (Payback Price) is $9.48, 55% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth20.4% a year✓
Equity per share growth5.5% a year✗
Sales growth10.4% a year✓
Free cash flow growth21.0% a year✓
Return on invested capital5.0%✗

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Insider activity

Since Jun 11, 2026: no open-market purchases and 8 sales worth $222K. Why purchases matter

Sales

About BV Financial, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

BVFL stock (BV Financial, Inc.): fair value $23.70, Undervalued — PaybackPrice