BV Financial (BVFL) financial statements
BV Financial reported revenue of $40M in fiscal 2025, up 3.6% a year over 3 years.
Net income was $13M.
Free cash flow was $19M, and the company returned $30M in net buybacks.
The diluted share count rose 19% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from BV Financial's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $36M | $38M | $38M | $40M |
| Interest expense | $3M | $9M | — | — |
| Pre-tax income | $15M | $19M | $16M | $19M |
| Income tax | $4M | $5M | $5M | $5M |
| Net income | $11M | $14M | $12M | $13M |
| EPS (diluted) | $1.32 | $1.47 | $1.09 | $1.43 |
| Diluted shares | 8M | 9M | 11M | 9M |
| Net margin | 29.6% | 36.1% | 31.1% | 34.1% |
Balance sheet
Fiscal years, from BV Financial's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Cash and short-term investments | $69M | $74M | $70M | $56M |
| Property, plant and equipment | $15M | $14M | $13M | $12M |
| Goodwill | $14M | $14M | $14M | $14M |
| Total assets | $845M | $885M | $912M | $912M |
| Total liabilities | $747M | $686M | $716M | $728M |
| Shareholders' equity | $98M | $199M | $195M | $184M |
| Net debt | -$69M | -$74M | -$70M | -$56M |
Cash flow
Fiscal years, from BV Financial's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Operating cash flow | $10M | $15M | $16M | $19M |
| Capital spending | $502,000 | $155,000 | $611,000 | $237,000 |
| Free cash flow | $9M | $15M | $15M | $19M |
| Stock-based compensation | $258,000 | $357,000 | $2M | $4M |
| Share buybacks (net) | — | — | -$18M | -$30M |
| Free cash flow margin | 25.9% | 39.6% | 41.0% | 47.4% |
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Open BVFL in InvestinglyQuestions
What was BV Financial's revenue in 2025?
$40M in fiscal 2025, from its 10-K filing.
How much free cash flow does BV Financial generate?
$19M in fiscal 2025 (operating cash flow minus capital spending).
From BV Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.