Bv Financial Financials
Financial Health Signals
Bv Financial passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
For every $1 of reported earnings, Bv Financial generates $1.37 in operating cash flow ($16.1M OCF vs $11.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Bv Financial (BVFL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Bv Financial generated $15.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 2.7% from the prior year.
Bv Financial reported $11.7M in net income in fiscal year 2024. This represents a decrease of 14.5% from the prior year.
Bv Financial earned $1.09 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 25.9% from the prior year.
Bv Financial held $70.5M in cash against $49.9M in long-term debt as of fiscal year 2024.
Bv Financial had 11M shares outstanding in fiscal year 2024. This represents a decrease of 6.4% from the prior year.
Bv Financial's ROE was 6.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.
Bv Financial spent $17.7M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Bv Financial invested $611K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 294.2% from the prior year.
BVFL Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $3.2M+2.2% | $3.1M-4.0% | $3.2M+13.7% | $2.8M+5.1% | $2.7M-11.0% | $3.0M | N/A | $2.8M |
| Income Tax | $1.4M+33.8% | $1.1M+79.6% | $599K-58.5% | $1.4M+9.2% | $1.3M+28.7% | $1.0M | N/A | $1.4M |
| Net Income | $3.7M+30.4% | $2.9M+36.3% | $2.1M-44.7% | $3.8M+11.7% | $3.4M+32.1% | $2.6M | N/A | $3.7M |
| EPS (Diluted) | $0.41+41.4% | $0.29+38.1% | $0.21-40.0% | $0.35+9.4% | $0.32+33.3% | $0.24 | N/A | $0.35 |
BVFL Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $909.4M+0.1% | $908.3M-1.5% | $921.9M+1.1% | $911.8M+1.6% | $897.2M+0.5% | $892.5M+0.8% | $885.3M-5.0% | $931.4M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $63.5M+12.8% | $56.3M-20.5% | $70.8M+0.5% | $70.5M-22.2% | $90.6M+15.0% | $78.8M+6.9% | $73.7M-35.6% | $114.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M |
| Total Liabilities | $719.2M+1.2% | $710.3M-1.9% | $723.9M+1.1% | $716.3M+3.6% | $691.7M+0.1% | $690.8M+0.7% | $686.2M-6.8% | $736.3M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $35.0M+0.1% | $35.0M-30.0% | $49.9M+0.1% | $49.9M+43.3% | $34.8M+0.1% | $34.8M-6.7% | $37.3M-50.1% | $74.7M |
| Total Equity | $190.2M-3.9% | $198.0M0.0% | $198.1M+1.3% | $195.5M-4.9% | $205.5M+1.8% | $201.8M+1.3% | $199.1M+2.0% | $195.1M |
| Retained Earnings | $118.2M+3.3% | $114.5M+2.6% | $111.6M+1.9% | $109.5M+5.5% | $103.7M+3.4% | $100.3M+2.6% | $97.8M+3.2% | $94.8M |
BVFL Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.4M+211.0% | $2.7M-38.8% | $4.4M+12.8% | $3.9M+162.0% | $1.5M-67.1% | $4.6M+30.7% | $3.5M+107.1% | -$49.3M |
| Capital Expenditures | $13K-90.6% | $139K-35.9% | $217K+1176.5% | $17K-69.1% | $55K-87.4% | $435K+1044.7% | $38K+416.7% | -$12K |
| Free Cash Flow | $8.4M+227.3% | $2.6M-39.0% | $4.2M+7.7% | $3.9M+170.8% | $1.4M-65.0% | $4.1M+19.5% | $3.5M+107.0% | -$49.3M |
| Investing Cash Flow | $6.2M+1303.5% | -$519K+94.8% | -$10.0M+77.2% | -$43.8M-607.5% | $8.6M+363.1% | -$3.3M-156.9% | $5.8M+189.8% | -$6.4M |
| Financing Cash Flow | -$7.5M+55.3% | -$16.7M-383.6% | $5.9M-63.9% | $16.3M+880.5% | $1.7M-56.3% | $3.8M+107.6% | -$50.0M-183.4% | $59.9M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $12.8M+197.8% | $4.3M+336.7% | $981K | N/A | N/A | N/A | N/A | N/A |
BVFL Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 2.0%+0.5pp | 1.5%+0.4pp | 1.1%-0.8pp | 1.8%+0.2pp | 1.7%+0.4pp | 1.3% | N/A | 1.9% |
| Return on Assets | 0.4%+0.1pp | 0.3%+0.1pp | 0.2%-0.2pp | 0.4%+0.1pp | 0.4%+0.1pp | 0.3% | N/A | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.180.0 | 0.18-0.1 | 0.250.0 | 0.26+0.1 | 0.170.0 | 0.17-0.0 | 0.19-0.2 | 0.38 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
Is Bv Financial profitable?
Yes, Bv Financial (BVFL) reported a net income of $11.7M in fiscal year 2024.
What is Bv Financial's earnings per share (EPS)?
Bv Financial (BVFL) reported diluted earnings per share of $1.09 for fiscal year 2024. This represents a -25.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Bv Financial have?
As of fiscal year 2024, Bv Financial (BVFL) had $70.5M in cash and equivalents against $49.9M in long-term debt.
What is Bv Financial's return on equity (ROE)?
Bv Financial (BVFL) has a return on equity of 6.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bv Financial's free cash flow?
Bv Financial (BVFL) generated $15.5M in free cash flow during fiscal year 2024. This represents a 2.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Bv Financial's operating cash flow?
Bv Financial (BVFL) generated $16.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bv Financial's total assets?
Bv Financial (BVFL) had $911.8M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Bv Financial's capital expenditures?
Bv Financial (BVFL) invested $611K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Bv Financial buy back shares?
Yes, Bv Financial (BVFL) spent $17.7M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Bv Financial have outstanding?
Bv Financial (BVFL) had 11M shares outstanding as of fiscal year 2024.
What is Bv Financial's debt-to-equity ratio?
Bv Financial (BVFL) had a debt-to-equity ratio of 0.26 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bv Financial's return on assets (ROA)?
Bv Financial (BVFL) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Bv Financial's Piotroski F-Score?
Bv Financial (BVFL) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Bv Financial's earnings high quality?
Bv Financial (BVFL) has an earnings quality ratio of 1.37x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.