BV Financial, Inc. (BVFL) — Financial statements
Income statement, balance sheet, and cash flow for BV Financial, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 52↑6.6% | 49↑4.7% | 47↑21.2% | 39↑22.1% | 32 | |
| Cost of Revenue | 12↑8.6% | 11↑23.5% | 9↑104.7% | 4↑3.7% | 4 | |
| Gross Profit | 40↑6.0% | 38↑0.2% | 38↑10.3% | 34↑25.0% | 27 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 12↓12.8% | 14↑13.8% | 13↑21.7% | 10↑27.8% | 8 | |
| Selling & Marketing Expenses | 0.04↑60.9% | 0.02↓46.5% | 0.04↑87.0% | 0.02↑0.0% | 0.02 | |
| SG&A Expenses | 13↓12.7% | 14↑13.6% | 13↑21.8% | 10↑27.7% | 8 | |
| Other Expenses | 11↑49.3% | 7↑8.5% | 7↓29.8% | 9↑44.3% | 6 | |
| Operating Expenses | 23↑7.9% | 21↑11.8% | 19↓2.7% | 20↑35.1% | 15 | |
| Total Costs & Expenses | 35↑8.1% | 33↑15.6% | 28↑17.2% | 24↑27.9% | 19 | |
| Operating Results | ||||||
| Operating Income | 17↑3.5% | 16↓11.9% | 19↑28.0% | 15↑13.5% | 13 | |
| Depreciation & Amortization | 0.58↓41.8% | 1↓4.7% | 1↑0.9% | 1↑2.0% | 1 | |
| EBITDA | 18↑0.9% | 17↓11.5% | 20↑26.1% | 16↑12.6% | 14 | |
| EBIT | 17↑3.5% | 16↓11.9% | 19↑27.8% | 15↑13.6% | 13 | |
| Interest & Other Income | ||||||
| Net Interest Income | 37↑4.9% | 35↑2.8% | 34↑14.4% | 30↑16.7% | 26 | |
| Interest Income | 50↑6.5% | 47↑7.5% | 43↑30.2% | 33↑13.5% | 29 | |
| Interest Expense | 13↑11.4% | 11↑25.1% | 9↑167.9% | 3↓8.1% | 4 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 2 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 19↑15.0% | 16↓11.9% | 19↑28.0% | 15↑13.5% | 13 | |
| Income Tax Expense | 5↑14.6% | 5↓4.7% | 5↑22.0% | 4↑19.1% | 3 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 13↑15.1% | 12↓14.5% | 14↑30.2% | 11↑11.5% | 9 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 13↑15.1% | 12↓14.5% | 14↑30.2% | 11↑11.5% | 9 | |
| Bottom-Line Net Income | 13↑15.1% | 12↓14.5% | 14↑30.2% | 11↑11.5% | 9 | |
| EPS (Basic) | 1.44↑30.9% | 1.10↓25.2% | 1.47↑11.4% | 1.32↓0.8% | 1.33 | |
| EPS (Diluted) | 1.43↑30.0% | 1.10↓25.2% | 1.47↑11.4% | 1.32↑0.0% | 1.32 | |
| Weighted Average Shares | 8↓21.1% | 11↑14.5% | 9↑17.3% | 8↑11.7% | 7 | |
| Weighted Average Diluted Shares | 9↓19.5% | 11↑14.3% | 9↑17.0% | 8↑11.7% | 7 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.