ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is BV Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 22.12%
2
Strong Long Term Fundamental Strength with a 13.93% 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 13.93%
4
Positive results in Jun 25
- CREDIT DEPOSIT RATIO(HY) Highest at 114.07%
- NET SALES(Q) Highest at USD 12.27 MM
5
With ROA of 0.85%, it has a fair valuation with a 0.79 Price to Book Value
- Over the past year, while the stock has generated a return of 8.46%, its profits have fallen by -14.6%
6
High Institutional Holdings at 49.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.96% over the previous quarter.
Real-Time Research ReportHow 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
BV Financial, Inc.
8.6%
2.51
25.41%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
31.31%
EBIT Growth (5y)
16.61%
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
49.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.79
EV to EBIT
9.13
EV to EBITDA
8.66
EV to Capital Employed
0.76
EV to Sales
2.82
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
8.36%
ROE (Latest)
5.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 114.07%
NET SALES(Q)
Highest at USD 12.27 MM
-2What is not working for the Company
NET PROFIT(9M)
At USD 6.91 MM has Grown at -23.06%
Here's what is working for BV Financial, Inc.
Net Sales
Highest at USD 12.27 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 114.07%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 24.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for BV Financial, Inc.
Net Profit
At USD 6.91 MM has Grown at -23.06%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
