BV Financial, Inc. (BVFL) Form 8-K — Oct 23, 2026
BV Financial (NASDAQ: BVFL) reported Q3 2026 net income of $3.4 million, or $0.42 per diluted share, versus $3.7 million, or $0.41, a year earlier — net income down but EPS up on a much smaller share count. Core profitability improved: operating pre-provision net revenue rose to $5.3 million ($0.65 diluted EPS) from $5.2 million ($0.57), and net interest margin expanded to 4.46% from 4.40%. The year-to-date GAAP decline reflects a $2.2 million Q1 executive transition expense and provision swings.
Key figures
- Eps
- 0.42
- Revenue
- $11.96 million total interest income (Q3 2026)
- Net Income
- 3400000
- Total Debt
- $5.0 million FHLB borrowings
- Total Assets
- 877900000
- Cash Position
- 50000000
- Roaa q3
- 1.57%
- Roae q3
- 7.50%
- Deposits
- $674.0 million, down 0.32% from $676.1 million
- Oppor q3
- $5.3 million ($0.65 diluted EPS) vs $5.2 million ($0.57)
- Net loans
- $726.34 million, down $22.1 million (2.96%) from Dec 31, 2025
- Fhlb paydown
- $30.0 million, an 85.7% reduction
- Allowance ratio
- 0.86% of loans; 197.1% of NPLs
- Non accrual loans
- $3.2 million, up from $2.3 million
- Q3 2025 net income
- $3.7 million
- Shares repurchased
- 163,540 shares at average $21.16 in Q3; $9.3 million YTD
- Q3 2025 eps diluted
- $0.41
- Book value per share
- $21.95; tangible book value $20.17
- Nine month net income
- $8.0 million ($0.97 diluted EPS) vs $8.7 million ($0.88) prior year
- Net interest margin q3
- 4.46% vs 4.40%
- Executive transition expense
- $2.2 million in Q1 2026
AI analysis
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