BV Financial, Inc.

Market Cap: Micro Cap
Industry: Savings Banks
ISIN: US05603E2081

USD

21.31

0.18 (0.85%)

Aug 06

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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BV Financial, Inc.

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William Penn Bancorp

Why is BV Financial, Inc. ?

High Profitability with a Net Interest Margin of 15.61%

Strong Long Term Fundamental Strength with a 12.97% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.97%

Flat results in Jun 26

CREDIT DEPOSIT RATIO(HY) Lowest at 105.14%

With ROA of 1.28%, it has a attractive valuation with a 0.91 Price to Book Value

Over the past year, while the stock has generated a return of 39.65%, its profits have risen by 15.1% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 67.91%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.41% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 39.65% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to BV Financial, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is BV Financial, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

BV Financial, Inc.

39.65%

3.34

27.08%

S&P 500

21.51%

1.63

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

22.22%

EBIT Growth (5y)

9.42%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

63.50%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.91

EV to EBIT

7.92

EV to EBITDA

7.59

EV to Capital Employed

0.89

EV to Sales

2.88

PEG Ratio

0.25

Dividend Yield

ROCE (Latest)

11.26%

ROE (Latest)

7.34%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

No Trend

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-1What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 105.14%

Here's what is not working for BV Financial, Inc.

Credit Deposit Ratio

Lowest at 105.14%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)