BV Financial (BVFL) Cash Flow: Operating & Free Cash Flow

BV Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities 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
Operating Activities
Net Income	13.50	11.72	13.71	10.52	9.44	7.65	2.47	0.09
Depreciation & Amortization	0.81	1.42	1.05	1.04	1.02	0.70	0.40	0.21
Deferred Income Tax	1.15	-0.06	0.21	0.31	0.27	0.55	0.43	1.05
Stock Based Compensation	4.34	2.08	0.87	0.26	0.40	0.01	0.08	0.07
Change in Working Capital	1.77	0.83	1.14	0.16	2.19	-0.15	-2.39	0.31
Change in Accounts Receivable	0.67	2.23	-0.30	0.85	1.33	-0.03	-1.22	0.31
Change in Other Working Capital	1.09	0.84	1.44	-1.58	0.86	-0.13	-1.17	0.01
Other Operating Activities	-2.54	0.00	-1.78	-1.58	-2.75	-3.72	0.17	0.16
Net Cash from Operating Activities	19.02	16.06	15.19	9.71	10.58	5.02	1.16	1.90
Investing Activities
Capital Expenditures	-0.24	-0.61	-0.16	-0.50	-0.42	-0.38	-0.47	-0.04
Acquisitions	0.00	0.01	0.00	8.52	0.00	136.00	19.32	0.00
Purchases of Investments	-16.01	-15.24	-6.92	-12.00	-18.01	0.00	0.00	-1.53
Sales/Maturities of Investments	20.88	16.32	5.94	9.65	9.25	11.42	5.25	3.09
Other Investing Activities	-17.93	-32.97	-34.04	-33.79	26.62	-114.71	-0.30	0.82
Net Cash from Investing Activities	-13.29	-32.50	-35.17	-27.76	17.45	32.33	23.79	2.34
Financing Activities
Debt Repayment	-15.00	-3.09	-12.00	-12.00	-17.85	30.00	0.00	0.00
Common Stock Issued	0.00	0.00	97.99	0.00	0.04	0.02	0.04	0.00
Common Stock Repurchased	-30.02	-17.71	0.00	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	24.50	18.99	-60.92	-0.83	8.99	0.09	-7.27	-3.85
Net Cash from Financing Activities	-20.53	13.19	25.07	-24.49	-8.83	30.11	-7.24	-3.85
Summary
Net Change in Cash	-14.80	-3.24	5.09	-42.54	19.20	67.76	17.71	0.39
Cash at Beginning of Period	70.50	73.74	68.65	111.19	91.99	24.23	6.52	9.83
Cash at End of Period	55.71	70.50	73.74	68.65	111.19	91.99	24.23	10.22
Free Cash Flow	18.79	15.45	15.04	9.21	10.16	4.65	0.68	1.86
Supplemental Disclosures
Interest Paid	-	11.34	9.19	3.43	4.01	-	-	-
Income Taxes Paid	-	5.89	4.92	4.03	2.14	-	-	-

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 Cash Flow

What is BV Financial's free cash flow?

BV Financial generated free cash flow of $18.79M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $19.02M minus $237.00K of capital expenditures. That was up 21.6% from $15.45M a year earlier. Free cash flow equaled 47.4% of revenue.

How much does BV Financial spend on capital expenditures?

BV Financial spent $237.00K on capital expenditures in fiscal 2025, compared with $611.00K a year earlier. That equals 1.2% of operating cash flow.

Does BV Financial pay dividends or buy back shares?

Yes. In fiscal 2025 BV Financial returned $30.02M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition