BV Financial (BVFL) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), BV Financial had a P/E ratio of 12.91 (down from 16.70), return on equity of 7.1% (up from 5.9%), debt-to-equity of 0.20 (down from 0.26) and return on assets of 1.5% (up from 1.3%).

BV Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.91	16.70	11.77	26.98	23.27	24.17
P/S Ratio	4.14	5.17	4.24	8.55	8.00	11.35
P/B Ratio	0.95	1.00	0.81	2.90	2.63	2.50
Price/Tangible Book	1.03	1.09	0.88	3.46	3.24	3.09
Price/FCF	9.27	12.67	10.73	30.82	21.61	39.74
Price/OCF	9.15	12.19	10.62	29.23	20.77	36.77
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.12%	5.94%	9.24%	11.62%	11.99%	10.92%
Return on Assets (ROA)	1.48%	1.31%	1.58%	1.27%	1.16%	1.38%
Leverage & Solvency Ratios
Debt/Equity	0.20	0.26	0.19	0.51	0.46	0.75
Debt/FCF	1.90	3.29	2.55	5.39	3.75	12.01
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.75%	5.99%	8.50%	3.71%	4.30%	4.14%
FCF Yield	10.79%	7.89%	9.32%	3.24%	4.63%	2.52%
Buyback Yield	11.69%	-14.66%	23.46%	-11.65%	-0.20%	-10.29%

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 Financial Ratios

What is BV Financial's P/E ratio?

BV Financial's P/E ratio was 12.91 for fiscal 2025 (period ended Dec 31, 2025). It was 16.70 a year earlier.

What is BV Financial's return on equity?

BV Financial's return on equity (ROE) was 7.1% for fiscal 2025 (period ended Dec 31, 2025). It was 5.9% a year earlier.

What is BV Financial's debt-to-equity ratio?

BV Financial's debt-to-equity ratio was 0.20 for fiscal 2025 (period ended Dec 31, 2025). It was 0.26 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition