BV Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from BV Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 12% in 3 years; of every extra $100 of sales, $69 became extra profit. Higher than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$69Sales grew 12% in 3 years; of every extra $100 of sales, $69 became extra profit.
Higher than 86% of Financial Services companies in United States.
Asset Productivity Ratio
+12% / +8%In 3 years sales changed by +12% while total assets changed by +8%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 57% of Financial Services companies in United States.
Tangible Net Worth Ratio
92%Of every $100 of net worth, $92 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 70% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
BV Financial, Inc. owes $0.79 for every $1 it owns. Net profit rose 15% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.6Investors pay $14.6 for every $1 of BV Financial, Inc.'s yearly profit, higher than 63% of Financial Services companies in United States.
P/B ratio
1.02The share price is 1.02 times BV Financial, Inc.'s book value per share, lower than 70% of Financial Services companies in United States.
Market cap
$187 MThe total market value of all of BV Financial, Inc.'s shares at today's price (share price × number of shares), smaller than 83% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$183 MWhat BV Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$21.63Net worth divided by the number of shares. The share price of $22.05 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
6.9%BV Financial, Inc. earned 6.9% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
Owes vs Owns
0.79×BV Financial, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneBV Financial, Inc. does not currently pay a dividend.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+15%Net profit rose 15% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Profit margin
34.0%BV Financial, Inc. keeps $34 of every $100 of revenue as net profit.
Questions
What is BV Financial, Inc.'s P/E ratio?
Investors pay $14.6 for every $1 of BV Financial, Inc.'s yearly profit, higher than 63% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For BV Financial, Inc.: $187 M ÷ $183 M (30 Jun 2026) = 1.0.
What is BV Financial, Inc.'s return on equity?
BV Financial, Inc. earned 6.9% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
How much does BV Financial, Inc. owe compared with what it owns?
BV Financial, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does BV Financial, Inc. pay a dividend?
No. BV Financial, Inc. does not currently pay a dividend.
Is BV Financial, Inc.'s revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.