Is BV Financial, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for BV Financial, Inc. has moved from expensive to fair, indicating a more favorable assessment of its stock price relative to its intrinsic value. Based on the current metrics, the company appears fairly valued. Key ratios include a P/E ratio of 14, a Price to Book Value of 0.79, and an EV to EBIT of 9.13, which suggest that the stock is reasonably priced compared to its earnings and book value.
When compared to peers, BV Financial, Inc. has a lower P/E ratio than Ponce Financial Group, Inc. at 21.78 and a higher EV to EBIT than FS Bancorp, Inc. at 9.69, highlighting its competitive positioning within the industry. Notably, the company's one-year return of 11.21% lags behind the S&P 500's return of 17.14%, suggesting that while the stock is fairly valued, it has not outperformed the broader market in the past year.