BV Financial (BVFL) Financial Statements & Analysis

BV Financial (BVFL) Income Statement

BV Financial reported revenue of $39.66M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 19.4% from $49.20M a year earlier. Net income was $13.49M, up 15.1% year over year, a net margin of 34.0%. Gross margin was 99.9% and operating margin 47.6%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $9.54M, down 27.8% from the same quarter a year earlier.

BV Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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BV Financial, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Jun 2018
Revenue & Gross Profit
Revenue	39.66	49.20	38.03	38.77	31.75	19.88	12.65	7.18
Cost of Revenue	12.27	11.29	9.15	4.47	4.31	3.60	1.85	0.89
Gross Profit	39.62	37.90	37.99	34.30	27.44	16.28	10.80	6.29
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	16.60	14.35	16.59	10.37	8.12	6.13	4.70	2.89
Operating Expenses	20.76	21.50	19.36	19.75	14.62	7.29	7.47	5.11
Operating Income	18.86	16.41	18.62	14.55	12.82	8.99	3.34	1.18
Other Income/Expense
Interest Income	49.71	46.68	43.42	33.35	29.38	18.23	12.15	6.76
Interest Expense	12.81	11.50	9.19	3.43	3.73	2.90	1.74	0.78
Other Income/Expense	1.88	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	18.86	16.41	18.62	14.55	12.82	8.99	3.34	1.18
Income Tax Expense	5.37	4.68	4.92	4.03	3.38	1.35	0.87	1.09
Net Income	13.50	11.72	13.71	10.52	9.44	7.65	2.47	0.09
Net Income - Continuous Operations	13.50	11.72	13.71	10.52	9.44	7.65	2.47	0.09
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-
EBITDA	19.72	17.41	19.20	15.60	13.85	9.69	3.74	1.39
EBIT	18.86	16.41	18.62	14.55	12.82	-	-	-
Depreciation & Amortization	0.18	1.00	1.05	1.04	1.02	0.70	0.40	0.21
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	1.00	1.00	-	-
Diluted EPS	1.00	1.00	1.00	1.00	1.00	1.00	-	-
Basic Shares Outstanding	9.37	10.66	9.30	7.95	7.12	7.10	6.44	2.99
Diluted Shares Outstanding	9.44	10.66	9.34	7.97	7.14	7.13	6.46	2.99

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About BV Financial Financial Statements

What was BV Financial's revenue in fiscal 2025?

BV Financial reported revenue of $39.66M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 19.4% from $49.20M a year earlier.

Is BV Financial profitable?

Yes. BV Financial earned net income of $13.49M in fiscal 2025, a net margin of 34.0%. In fiscal 2024 it earned $11.72M.

What is BV Financial's operating margin?

BV Financial's operating income was $18.86M on revenue of $39.66M in fiscal 2025, an operating margin of 47.6%, compared with 33.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition