US · BVFL
BV Financial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Baltimore, MD 21219
- Website
- bayvanguard.com
Price · as of 2024-12-31
$19.56
Market cap 166.33M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $40.79 | +108.54% |
| Intrinsic Value(DCF) | $17.76 | -9.2% |
| Graham-Dodd Method(GD) | $22.45 | +14.75% |
| Graham Formula(GF) | $13.76 | -29.68% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | $2.58 | $7.66 | $9.01 | $0.00 | |
| 2013 | $4.13 | $48.23 | $7.38 | $9.04 | $1.14 |
| 2014 | $4.19 | $40.80 | $7.30 | $9.03 | $7.13 |
| 2015 | $4.65 | $177.00 | $8.11 | $8.24 | $0.57 |
| 2016 | $4.13 | $98.55 | $7.52 | $6.81 | $0.00 |
| 2017 | $4.84 | $190.25 | $6.77 | $8.30 | $1.91 |
| 2018 | $9.44 | $61.56 | $6.84 | $7.36 | $0.20 |
| 2019 | $10.12 | $414.49 | $52.70 | $12.00 | $31.13 |
| 2020 | $10.79 | $95.81 | $31.17 | $14.00 | $67.65 |
| 2021 | $13.72 | $69.40 | $1,777.16 | $16.33 | $86.64 |
| 2022 | $18.71 | $55.25 | $1,188.43 | $17.10 | $38.87 |
| 2023 | $12.25 | $41.96 | $439.50 | $27.15 | $41.76 |
| 2024 | $15.10 | $40.79 | $30.01 | $22.45 | $13.76 |
AI valuation
Our deep-learning model estimates BV Financial, Inc.'s (BVFL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $40.79
- Current price
- $19.56
- AI upside
- +108.54%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.76
-9.2% upside
Graham-Dodd
$22.45
+14.75% upside
Graham Formula
$13.76
-29.68% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BVFL | BV Financial, Inc. | $19.56 | 166.33M | +109% | -9% | +15% | -30% | 13.76 | 0.82 | 3.28 | 5.94 | — | 0.89 | 77.05% | 33.35% | 23.83% | 5.94% | 8.83% | 1.30% | 0.26 | 1.43 | 0.17 | 0.17 | -1.18 | -2517.00% | 470.00% | 275.00% | 9.58% | 0.02 | 11.64% | 0.00% | 0.00% | 10.98% | 6.30 | 6.69 | 2.10 | -0.29 |
| CZWI | Citizens Community Bancor… | $17.41 | 168.18M | +918% | +67% | +35% | — | 11.98 | 0.92 | 1.92 | -3.19 | 133.80 | 1.11 | 54.68% | 7.01% | 16.01% | 7.86% | 9.54% | 0.82% | 0.28 | 0.16 | — | — | -7.54 | 896.00% | -941.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 48.32% | -4.49 | — | -0.31 | 1.26 |
| FCAP | First Capital, Inc. | $50.80 | 170.44M | -49% | +172% | -35% | +47% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| FNWD | Finward Bancorp | $37.36 | 161.66M | +151% | +41% | -1% | +77% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| HNVR | Hanover Bancorp, Inc. | $20.68 | 148.74M | +575% | -11% | +41% | -76% | 21.03 | 0.79 | 1.10 | 30.55 | — | 0.87 | 43.91% | 6.95% | 5.22% | 3.77% | 3.06% | 0.32% | 0.73 | 0.14 | 0.14 | 0.00 | 14.73 | -3976.00% | -340.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.55 | — | 2.12 | -0.51 |
| INBK | First Internet Bancorp | $20.28 | 176.56M | +222% | -22% | +1% | — | -5.07 | 0.50 | 0.55 | 4.95 | — | 0.50 | 13.68% | -15.76% | -10.89% | -9.46% | 42.47% | -0.62% | 0.99 | -0.25 | 0.32 | 0.32 | -6.86 | -23993.00% | -317.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.95 | — | -0.78 | -0.28 |
| MRBK | Meridian Corporation | $19.44 | 229.9M | +108% | -28% | -22% | +85% | 9.57 | 0.91 | 0.79 | 9.34 | 38.27 | 0.93 | 51.14% | 11.04% | 8.28% | 9.92% | 8.45% | 0.71% | 1.02 | 0.26 | 0.09 | 0.09 | 6.09 | 2500.00% | 1709.00% | -4698.00% | 5.77% | 0.00 | 4.66% | 3.58% | 34.30% | 3.58% | 10.32 | 24.91 | 1.14 | -0.76 |
| NKSH | National Bankshares, Inc. | $37.55 | 239.04M | +3% | -24% | -81% | -23% | 21.06 | 1.03 | 2.03 | 1.86 | — | 1.12 | 55.80% | 11.53% | 9.64% | 5.13% | -2.77% | 0.44% | 0.00 | 0.27 | 0.09 | 0.09 | -10.51 | -5338.00% | 1597.00% | -5594.00% | 3.85% | 0.01 | -2.25% | 5.77% | 121.50% | 18.99% | 2.09 | 3.08 | 0.24 | -0.72 |
| OVBC | Ohio Valley Banc Corp. | $42.63 | 200.83M | +550% | +1% | +20% | +8% | 12.99 | 1.19 | 2.15 | 13.24 | 30.88 | 1.24 | 67.58% | 20.65% | 16.56% | 9.73% | 21.81% | 1.01% | 0.32 | 0.71 | 56092.09 | 297.10 | 2.84 | 4206.00% | 593.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.24 | — | 2.73 | 0.34 |
| PEBK | Peoples Bancorp of North … | $38.21 | 202.86M | -20% | +639% | -33% | +74% | 8.41 | 1.05 | 1.41 | -5.70 | 110.97 | 1.05 | 73.04% | 21.40% | 16.72% | 13.00% | -8.40% | 0.99% | 0.15 | 0.79 | 0.20 | 0.20 | -1.67 | 758.00% | 1401.00% | -413.00% | 14.52% | 0.01 | -10.26% | 3.67% | 30.90% | 51.86% | -6.49 | -6.80 | -1.39 | -0.61 |
| UBFO | United Security Bancshare… | $10.39 | 182.63M | +217% | +156% | -58% | -39% | 10.18 | 1.15 | 2.30 | -2.16 | — | 1.20 | 74.24% | 31.04% | 22.58% | 11.69% | -31.67% | 1.22% | 0.11 | 1.46 | 0.21 | 0.21 | -1.85 | -2586.00% | -73.00% | -968.00% | 12.36% | 0.02 | -39.84% | 5.52% | 56.20% | 55.60% | -2.38 | -2.60 | -0.74 | -0.54 |
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 Maryland. The company offers checking 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 loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company also offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. The company was founded in 1873 and is headquartered in Baltimore, Maryland. BV Financial, Inc. operates as a subsidiary of Bay-Vanguard, MHC.
- CEO
- Timothy L. Prindle
- Employees
- 109
- Beta
- 0.10
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.76 ÷ $19.56) − 1 = -9.2% (DCF, example).