ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is BV Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 15.61%
2
Strong Long Term Fundamental Strength with a 12.97% CAGR growth in Net Profits
3
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%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NET PROFIT(Q) Highest at USD 4.8 MM
- GROSS NPA (%)(Q) Lowest at 0.3%
- NII(Q) Highest at USD 9.75 MM
5
With ROA of 1.28%, it has a fair valuation with a 0.91 Price to Book Value
- Over the past year, while the stock has generated a return of 25.56%, its profits have risen by 15.1% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you buy?
- 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
BV Financial, Inc.
25.56%
2.60
26.66%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.22%
EBIT Growth (5y)
9.42%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
62.09%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.91
EV to EBIT
7.93
EV to EBITDA
7.60
EV to Capital Employed
0.89
EV to Sales
2.89
PEG Ratio
0.25
Dividend Yield
NA
ROCE (Latest)
11.26%
ROE (Latest)
7.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Dow Theory
No Trend
Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NET PROFIT(Q)
Highest at USD 4.8 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 9.75 MM
NET SALES(Q)
Highest at USD 13.03 MM
OPERATING PROFIT(Q)
Highest at USD 7.08 MM
OPERATING PROFIT MARGIN(Q)
Highest at 54.34 %
PRE-TAX PROFIT(Q)
Highest at USD 7.06 MM
EPS(Q)
Highest at USD 0.56
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for BV Financial, Inc.
Pre-Tax Profit
At USD 7.06 MM has Grown at 92.67%
over average net sales of the previous four periods of USD 3.66 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 4.8 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 4.8 MM has Grown at 80.58%
over average net sales of the previous four periods of USD 2.66 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.3%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 9.75 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 13.03 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 7.08 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 54.34 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 7.06 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 0.56
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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