BV Financial, Inc.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $9.2M | $3.4M | — |
| Pretax income | $18.9M | $16.4M | $18.6M | $14.6M | — |
| Income tax expense | $5.4M | $4.7M | $4.9M | $4.0M | — |
| Net income | $13.5M | $11.7M | $13.7M | $10.5M | — |
| Balance Sheet | |||||
| Cash and equivalents | $55.7M | $70.5M | $73.7M | $68.7M | — |
| Total assets | $912.2M | $911.8M | $885.3M | $845.0M | — |
| Total liabilities | $728.4M | $716.3M | $686.2M | $747.2M | — |
| Total debt | $35.0M | $50.0M | $38.1M | $50.1M | — |
| Stockholders' equity | $183.8M | $195.5M | $199.1M | $97.8M | $83.4M |
| Cash Flow Statement | |||||
| Cash from operations | $19.0M | $16.1M | $15.2M | $9.7M | — |
| Depreciation and amortization | $793,000 | $822,000 | $860,000 | $860,000 | — |
| Stock-based compensation | $4.2M | $1.9M | $357,000 | $258,000 | — |
| Capital expenditure | $237,000 | $611,000 | $155,000 | $502,000 | — |
| Free cash flow | $18.8M | $15.5M | $15.0M | $9.2M | — |
| Share repurchases | $30.0M | $17.7M | — | — | — |
Shares outstanding 8.7M · Free float 73.6%
Annual filing data through FY ended December 31, 2025; float as of July 12, 2026.