BV Financial (BVFL) Balance Sheet: Assets & Liabilities

BV Financial (BVFL) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), BV Financial reported total assets of $912.21M and total liabilities of $728.41M. Shareholders' equity was $183.80M, down 6.0% from $195.50M a year earlier. Total debt stood at $35.00M against $55.70M in cash and short-term investments, a net cash position of $20.70M. That puts debt-to-equity at 0.19, compared with 0.26 a year earlier.

BV Financial Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for BV Financial, Inc. (BVFL) - 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
Current Assets
Cash and Cash Equivalents	55.71	70.50	73.74	68.65	111.19	91.99	24.23	10.47
Short-Term Investments	50.09	26.44	34.78	33.03	102.71	32.46	8.35	13.08
Cash & Short-Term Investments	55.71	70.50	73.74	101.69	111.19	124.45	32.58	23.55
Accounts Receivable	3.15	3.16	3.28	2.95	2.58	2.94	0.99	0.50
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	58.85	73.66	77.02	104.64	113.77	127.39	33.57	24.04
Non-Current Assets
Property, Plant & Equipment (Net)	12.49	13.22	14.25	15.18	15.05	15.48	5.84	4.12
Long-Term Investments	810.62	0.39	0.26	0.22	652.66	610.19	239.15	130.54
Goodwill	14.42	14.42	14.42	14.42	14.42	12.83	1.12	0.12
Intangible Assets	0.65	0.83	1.01	1.20	1.29	1.47	1.21	0.02
Other Non-Current Assets	15.18	15.39	16.77	30.61	17.93	40.05	10.25	6.78
Total Non-Current Assets	828.23	811.72	773.45	740.33	663.56	688.18	260.61	143.16
Total Assets	912.21	911.82	885.25	844.96	815.13	817.50	294.85	167.29
Current Liabilities
Accounts Payable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Short-Term Debt	0.00	0.00	0.24	0.17	0.28	3.00	3.00	0.00
Other Current Liabilities	676.09	651.49	634.12	684.45	680.03	675.10	217.82	138.69
Total Current Liabilities	676.09	651.49	634.12	684.62	680.03	678.10	220.82	138.69
Non-Current Liabilities
Long-Term Debt	35.00	49.88	37.25	49.04	36.83	51.66	3.00	3.00
Other Non-Current Liabilities	17.32	14.95	14.82	13.56	14.83	11.79	4.36	0.00
Total Non-Current Liabilities	52.32	64.83	52.07	62.59	51.66	63.45	7.36	6.87
Total Liabilities	728.41	716.32	686.19	747.21	731.68	743.48	228.85	145.64
Stockholders' Equity
Common Stock	0.09	0.11	0.11	0.07	0.07	0.07	0.07	0.03
Retained Earnings	122.99	109.50	97.77	84.61	74.09	64.65	57.00	13.02
Accumulated Other Comprehensive Income	-8.11	-1.62	-1.96	-2.34	-0.10	0.36	0.01	-0.21
Additional Paid-in Capital	68.83	94.68	110.47	15.41	9.38	8.94	8.91	8.81
Shares Outstanding	8.85	10.65	11.38	7.42	-	-	-	-
Total Stockholders' Equity	183.80	195.50	199.07	97.75	83.45	74.02	66.00	21.65
Total Liabilities & Equity	912.21	911.82	885.25	844.96	815.13	817.50	294.85	167.29

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 Balance Sheet

How much debt does BV Financial have?

BV Financial had total debt of $35.00M as of Dec 31, 2025, against $55.70M in cash and short-term investments. Its debt-to-equity ratio was 0.19. Total debt was $49.88M a year earlier.

What are BV Financial's total assets?

BV Financial reported total assets of $912.21M as of Dec 31, 2025, flat from $911.82M a year earlier. Total liabilities were $728.41M.

What is BV Financial's shareholders' equity?

BV Financial's shareholders' equity was $183.80M as of Dec 31, 2025, or about $20.76 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition