BV Financial, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

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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Why is BV Financial, Inc. ?

The company has declared negative results in Mar'2026 after 2 consecutive positive quarters

CREDIT DEPOSIT RATIO(HY) Lowest at 109.22%
OPERATING PROFIT(Q) Lowest at USD 2.05 MM
OPERATING PROFIT MARGIN(Q) Lowest at 16.98 %

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

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

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is BV Financial, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

BV Financial, Inc.

42.24%

3.21

25.44%

S&P 500

25.41%

1.92

13.25%

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

2What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 18.28 MM

-12What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 109.22%

OPERATING PROFIT(Q)

Lowest at USD 2.05 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 16.98 %

PRE-TAX PROFIT(Q)

Lowest at USD 2.05 MM

NET PROFIT(Q)

Lowest at USD 1.09 MM

EPS(Q)

Lowest at USD 0.13

Here's what is working for BV Financial, Inc.

Operating Cash Flow

Highest at USD 18.28 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

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

Pre-Tax Profit

At USD 2.05 MM has Fallen at -56.48%

over average net sales of the previous four periods of USD 4.72 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 1.09 MM has Fallen at -67.66%

over average net sales of the previous four periods of USD 3.37 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Profit

Lowest at USD 2.05 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 16.98 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 2.05 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 1.09 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.13

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 109.22%

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 (%)