BV Financial, Inc. (BVFL)

BV Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue	39.62	37.7	37.99	35.59	28.02
Revenue Growth (YoY)	5.09%	-0.75%	6.75%	27.02%	564.52%
Gross Profit	39.62	37.7	37.99	35.59	28.02
Selling, General & Admin	20.73	18.53	16.59	14.28	12.26
Depreciation & Amortization Expenses	0.18	0.18	0.18	0.18	0.18
Other Operating Expenses	-0.15	2.59	2.59	6.57	2.75
Total Operating Expenses	20.76	21.3	19.36	21.03	15.19
Operating Income	18.86	16.41	18.62	14.55	12.82
Pretax Income	18.86	16.41	18.62	14.55	12.82
Provision for Income Taxes	5.37	4.68	4.92	4.03	3.38
Net Income	13.5	11.72	13.71	10.52	9.44
Net Income to Common	13.5	11.72	13.71	10.52	9.44
Net Income Growth	15.12%	-14.47%	30.25%	11.47%	-
Shares Outstanding (Basic)	9	11	9	8	7
Shares Outstanding (Diluted)	9	11	9	8	7
Shares Change (YoY)	-11.89%	14.66%	17.17%	11.65%	208.69%
EPS (Basic)	1.44	1.10	1.47	1.32	1.33
EPS (Diluted)	1.43	1.09	1.47	1.32	1.32
EPS Growth	31.19%	-25.85%	11.36%	-	-
Free Cash Flow	0	15.45	15.04	9.21	10.16
Free Cash Flow Growth	-	2.75%	63.25%	-9.36%	426.03%
Free Cash Flow Per Share	-	1.44	1.61	1.16	1.42
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	47.61%	43.52%	49.02%	40.90%	45.77%
Profit Margin	34.06%	31.09%	36.08%	29.57%	33.70%
FCF Margin	0.00%	40.99%	39.59%	25.89%	36.28%
EBITDA	18.86	17.82	19.2	14.25	12.19
EBITDA Margin	47.61%	47.28%	50.54%	40.03%	43.52%
EBIT	18.86	16.41	18.62	14.55	12.82
EBIT Margin	47.61%	43.52%	49.02%	40.90%	45.77%
Effective Tax Rate	28.46%	28.54%	26.39%	27.69%	26.38%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q