Critical Analysis: BV Financial (BVFL) and The Competition

Risk and Volatility

BV Financial has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500. Comparatively, BV Financial’s peers have a beta of 0.29, indicating that their average share price is 71% less volatile than the S&P 500.

Earnings and Valuation

This table compares BV Financial and its peers top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
BV Financial	$49.20 million	$11.72 million	14.19
BV Financial Competitors	$1.67 billion	$298.84 million	0.99

BV Financial’s peers have higher revenue and earnings than BV Financial. BV Financial is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares BV Financial and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BV Financial	23.83%	6.09%	1.40%
BV Financial Competitors	8.66%	5.30%	0.54%

Institutional & Insider Ownership

42.7% of BV Financial shares are held by institutional investors. Comparatively, 41.7% of shares of all “Federal savings institutions” companies are held by institutional investors. 7.8% of BV Financial shares are held by insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

BV Financial beats its peers on 6 of the 9 factors compared.

About BV Financial

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.