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BV Financial

BVFL
48
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
48
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Mixed
Valuation
Good
Dividends
Weak
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Winston Score History

The full picture

BV Financial, Inc. is a small community bank holding company based in Maryland. It operates through its subsidiary, Baltimore Vietnamese Federal Credit Union — now known as BV Financial — which was originally founded to serve the Vietnamese-American community in the Baltimore area. The bank offers everyday financial services like checking and savings accounts, personal loans, and mortgages, primarily to individuals and small businesses in the local community.

The company makes money the traditional banking way: it takes in deposits and lends that money out at higher interest rates, earning the difference, called net interest income. BV Financial operates almost entirely in the Baltimore metropolitan area, making it a highly localized institution with a market cap of roughly $200 million. Its community-focused roots give it a loyal customer base, but its small size and geographic concentration also mean it is more exposed to local economic downturns and has limited ability to spread risk compared to larger regional banks.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+41.4% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

22.1%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$844M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

BV Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+2.0%
Nearly flat sales (+2.0% YoY)
Profit growth
EPS YoY
+47.6%
Earnings growing fast (+47.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
3/8 quarters
Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
14.1x
no trend
Attractive valuation — P/E 14.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
0.61%
no trend
Small dividend — 0.61% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

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