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Upturn AI SWOT - About
BV Financial, Inc. Common Stock (BVFL)
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Upturn Advisory Summary
04/01/2025: BVFL (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 94.51% | Avg. Invested days 118 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 184.87M USD | Price to earnings Ratio 13.51 | 1Y Target Price - |
Price to earnings Ratio 13.51 | 1Y Target Price - | ||
Volume (30-day avg) 16692 | Beta 0.62 | 52 Weeks Range 10.16 - 18.19 | Updated Date 03/20/2025 |
52 Weeks Range 10.16 - 18.19 | Updated Date 03/20/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.61% | Operating Margin (TTM) 50.07% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 6.31% |
Valuation
Trailing PE 13.51 | Forward PE - | Enterprise Value 127306456 | Price to Sales(TTM) 4.25 |
Enterprise Value 127306456 | Price to Sales(TTM) 4.25 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 11598000 | Shares Floating 9442170 |
Shares Outstanding 11598000 | Shares Floating 9442170 | ||
Percent Insiders 17.6 | Percent Institutions 36.91 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BV Financial, Inc. Common Stock
Company Overview
History and Background
BV Financial, Inc. operates as the bank holding company for BayVanguard Bank, a community-oriented financial institution. BayVanguard Bank originally operated as Bay-Vanguard Federal Savings Bank which was founded in 1885 in Baltimore, Maryland. In 2017 Bay-Vanguard Federal Savings Bank completed a mutual-to-stock conversion and changed its name to BV Financial, Inc.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and small businesses in the Baltimore-Washington Metropolitan area, including deposit accounts, loans, and other financial services.
Leadership and Structure
The company is led by a board of directors and an executive management team headed by the Chief Executive Officer. The organizational structure consists of various departments responsible for different aspects of banking operations, including lending, finance, and customer service.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers various deposit accounts, including checking, savings, and money market accounts. Market share information is not readily available, but community banks generally compete with larger national and regional banks. Competitors include Bank of America, Wells Fargo, and local credit unions.
- Loan Products: Provides a range of loan products, including residential mortgages, commercial real estate loans, and consumer loans. Market share information is not readily available, but community banks generally compete with larger national and regional banks. Competitors include Bank of America, Wells Fargo, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently experiencing a period of consolidation and increased competition from non-bank financial institutions. Interest rate volatility and regulatory changes are also key factors impacting the industry.
Positioning
BV Financial, Inc. focuses on providing personalized service to its local community, which differentiates it from larger national banks. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in the Baltimore-Washington Metropolitan area is estimated to be in the billions of dollars. BV Financial, Inc. is positioned to capture a portion of this market through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Dependence on local economy
- Limited product offerings compared to larger banks
Opportunities
- Expansion into new markets within the Baltimore-Washington Metropolitan area
- Increased demand for community banking services
- Technological innovation to improve customer service
- Strategic partnerships with other local businesses
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the local area
- Changes in banking regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- WFC
- C
Competitive Landscape
BV Financial, Inc. faces intense competition from larger national banks with greater resources and broader product offerings. Its advantage lies in its local presence and customer-focused service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires specific financial data that is difficult to gather. Please find recent reports and SEC filings at bvfinancialinc.com to fill this data.
Future Projections: Requires specific analyst estimates that are difficult to gather. Please find recent reports and SEC filings at bvfinancialinc.com to fill this data.
Recent Initiatives: Recent initiatives may include branch expansion, technology upgrades, and new product launches. Information can be found in quarterly investor reports.
Summary
BV Financial, Inc., operating as BayVanguard Bank, maintains a community-focused approach. While benefiting from strong local presence and customer relationships, the company faces challenges due to its smaller size and limited geographic reach. The bank's future depends on strategic expansion and technological innovation in a competitive market.
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Sources and Disclaimers
Data Sources:
- Company Website (bvfinancialinc.com)
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Please consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BV Financial, Inc. Common Stock
Exchange NASDAQ | Headquaters Baltimore, MD, United States | ||
IPO Launch date 2016-01-13 | Co-President, Co-CEO & Director Mr. David M. Flair | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 111 | Website https://www.bayvanguard.com |
Full time employees 111 | Website https://www.bayvanguard.com | ||
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 offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
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