Head-To-Head Analysis: BV Financial (BVFL) & Its Competitors

Insider and Institutional Ownership

42.7% of BV Financial shares are owned by institutional investors. Comparatively, 41.7% of shares of all “Federal savings institutions” companies are owned by institutional investors. 7.8% of BV Financial shares are owned by company insiders. Comparatively, 9.6% of shares of all “Federal savings institutions” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk & Volatility

BV Financial has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500. Comparatively, BV Financial’s competitors have a beta of 0.29, meaning that their average share price is 71% less volatile than the S&P 500.

Valuation and Earnings

This table compares BV Financial and its competitors revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
BV Financial	$49.20 million	$11.72 million	14.03
BV Financial Competitors	$1.68 billion	$298.84 million	1.10

BV Financial’s competitors have higher revenue and earnings than BV Financial. BV Financial is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares BV Financial and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BV Financial	23.83%	6.09%	1.40%
BV Financial Competitors	8.66%	5.30%	0.54%

Summary

BV Financial beats its competitors on 6 of the 9 factors compared.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.