BV Financial, Inc. (BVFL)

BV Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	43.12	41	37.74	31.26	28.73	17.76
Interest Income on Investments	5.09	5.68	5.68	2.09	0.65	0.46
Total Interest Income	48.21	46.68	43.42	33.35	29.38	18.23
Interest Paid on Deposits	10.04	9.04	5.61	1.36	1.9	2.3
Interest Paid on Borrowings	2.06	2.45	3.58	2.07	1.84	0.61
Total Interest Expense	12.09	11.5	9.19	3.43	3.73	2.9
Net Interest Income	36.11	35.19	34.23	29.92	25.65	15.32
Net Interest Income Growth (YoY)	4.19%	2.80%	14.40%	16.67%	67.37%	47.23%
Gain (Loss) on Sale of Assets	-	-	0.19	0.25	-	-
Other Non-Interest Income	2.14	2.09	2.45	3.62	1.86	1.42
Total Non-Interest Income	2.58	2.51	3.76	4.33	2.37	1.65
Non-Interest Income Growth (YoY)	-6.17%	-33.09%	-13.13%	82.41%	43.35%	226.23%
Revenues Before Loan Losses	38.7	37.7	37.99	34.25	28.02	16.98
Provision for Loan Losses	0.36	-0.2	-0.05	1.04	0.58	0.7
Revenue	38.33	37.9	38.03	33.21	27.44	16.28
Revenue Growth (YoY)	2.48%	-0.33%	14.53%	21.01%	68.55%	50.69%
Salaries and Employee Benefits	11.96	11.93	11.39	9.87	7.5	6.06
Federal Deposit Insurance	0.33	0.33	0.34	0.22	0.19	0.04
Amortization of Goodwill & Intangibles	0.18	0.18	0.18	0.18	0.18	0.16
Selling, General & Administrative	9	6.6	5.2	4.4	4.76	3.08
Other Non-Interest Expense	2.14	2.45	2.12	2.75	1.59	1.12
Total Non-Interest Expense	23.61	21.5	19.41	18.39	14.45	10.57
EBT Excluding Unusual Items	14.72	16.41	18.62	14.81	12.99	5.71
Other Unusual Items	-	-	-	1.34	-	3.29
Pretax Income	14.72	16.41	18.62	14.55	12.82	8.99
Income Tax Expense	4.01	4.68	4.92	4.03	3.38	1.35
Net Income	10.71	11.72	13.71	10.52	9.44	7.65
Net Income to Common	10.71	11.72	13.71	10.52	9.44	7.65
Net Income Growth	-15.44%	-14.47%	30.25%	11.47%	23.49%	209.14%
Basic Shares Outstanding	10	11	9	12	11	11
Diluted Shares Outstanding	10	11	9	12	11	11
Shares Change (YoY)	-33.67%	14.66%	-23.46%	11.65%	0.20%	10.29%
EPS (Basic)	1.08	1.10	1.47	0.86	0.87	0.70
EPS (Diluted)	1.07	1.09	1.47	0.86	0.86	0.70
EPS Growth	27.09%	-25.85%	70.49%	-	23.36%	181.59%
Effective Tax Rate	27.26%	28.54%	26.39%	27.68%	26.38%	15.00%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q