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Bv Financial Financials

BVFL
Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Bv Financial (BVFL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 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).

Rhea AI BVFL FY2025

Minimal reinvestment needs let this liability-funded balance sheet turn operating cash into aggressive share repurchases.

The striking pattern is how little reinvestment the business needs: FY2025 produced $19.0M of operating cash flow and $18.8M of free cash flow against $13.5M of net income because capex was only $237K, so most internally generated cash was available for capital return rather than asset growth. That cash conversion makes the earnings stream look more flexible than net income alone would suggest.

Buybacks consumed more than free cash flow in FY2025: the company spent $30.0M repurchasing stock against $18.8M of free cash flow, helping drive cash down to $55.7M from $70.5M. That was a deliberate capital-allocation choice, and it coincided with shares outstanding dropping to 8.9M from 10.6M.

Profitability recovered without asset growth: assets were essentially flat at $912.2M, yet ROA rose to 1.5% from 1.3% and ROE to 7.3% from 6.0%. Lower term debt—$35.0M versus $49.9M in FY2024—suggests the improvement came with a somewhat lighter debt load, even though the balance sheet remains heavily liability-funded.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 21 / 100
Financial Profile 21/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Bv Financial's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage
98

Bv Financial carries a low D/E ratio of 0.19, meaning only $0.19 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Returns
26

Bv Financial generates a 7.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 6.0% the prior year.

Piotroski F-Score Neutral
6/9

Bv Financial passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass.

Earnings Quality Cash-Backed
1.41x

For every $1 of reported earnings, Bv Financial generates $1.41 in operating cash flow ($19.0M OCF vs $13.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
N/A
EBITDA
N/A
Net Income
$13.5M
YoY+15.1%

Bv Financial reported $13.5M in net income in fiscal year 2025. This represents an increase of 15.1% from the prior year.

EPS (Diluted)
$1.43
YoY+31.2%

Bv Financial earned $1.43 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$18.8M
YoY+21.6%

Bv Financial generated $18.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 21.6% from the prior year.

Cash & Debt
$55.7M
YoY-21.0%

Bv Financial held $55.7M in cash against $35.0M in long-term debt as of fiscal year 2025.

Dividends Per Share
N/A
Shares Outstanding
9M
YoY-16.8%

Bv Financial had 9M shares outstanding in fiscal year 2025. This represents a decrease of 16.8% from the prior year.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
N/A
Return on Equity
7.3%
YoY+1.3pp

Bv Financial's ROE was 7.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$30.0M
YoY+69.6%

Bv Financial spent $30.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 69.6% from the prior year.

Capital Expenditures
$237K
YoY-61.2%

Bv Financial invested $237K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 61.2% from the prior year.

BVFL Income Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
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 $5.8M N/A $4.1M+1.1% $4.0M-11.2% $4.5M N/A $3.5M+13.0% $3.1M
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $3.0M N/A $3.2M+2.2% $3.1M-4.0% $3.2M N/A $2.8M+5.1% $2.7M
Income Tax $961K N/A $1.4M+33.8% $1.1M+79.6% $599K N/A $1.4M+9.2% $1.3M
Net Income $1.1M N/A $3.7M+30.4% $2.9M+36.3% $2.1M N/A $3.8M+11.7% $3.4M
EPS (Diluted) $0.13 N/A $0.41+41.4% $0.29+38.1% $0.21 N/A $0.35+9.4% $0.32

BVFL Balance Sheet

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Total Assets $910.9M-0.1% $912.2M+0.3% $909.4M+0.1% $908.3M-1.5% $921.9M+1.1% $911.8M+2.1% $892.7M-0.5% $897.2M
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $74.6M+33.9% $55.7M-12.3% $63.5M+12.8% $56.3M-20.5% $70.8M+0.5% $70.5M-25.1% $94.1M+3.8% $90.6M
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 $727.2M-0.2% $728.4M+1.3% $719.2M+1.2% $710.3M-1.9% $723.9M+1.1% $716.3M+4.9% $683.0M-1.3% $691.7M
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A $35.0M0.0% $35.0M+0.1% $35.0M-30.0% $49.9M+0.1% $49.9M+43.2% $34.8M+0.1% $34.8M
Total Equity $183.6M-0.1% $183.8M-3.4% $190.2M-3.9% $198.0M0.0% $198.1M+1.3% $195.5M-6.8% $209.7M+2.1% $205.5M
Retained Earnings $124.1M+0.9% $123.0M+4.1% $118.2M+3.3% $114.5M+2.6% $111.6M+1.9% $109.5M+1.8% $107.5M+3.7% $103.7M

BVFL Cash Flow Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Operating Cash Flow $3.7M+7.2% $3.4M-59.2% $8.4M+260.4% $2.3M-51.3% $4.8M+22.2% $3.9M-35.1% $6.1M+303.9% $1.5M
Capital Expenditures $7K+105.3% -$132K-1115.4% $13K-90.6% $139K-35.9% $217K+1176.5% $17K-83.7% $104K+89.1% $55K
Free Cash Flow $3.7M+11.3% $3.3M-60.7% $8.4M+282.6% $2.2M-52.0% $4.6M+17.2% $3.9M-34.3% $6.0M+312.0% $1.4M
Investing Cash Flow $19.7M+318.7% -$9.0M-244.4% $6.2M+1303.5% -$519K+94.8% -$10.0M+77.2% -$43.8M-833.6% $6.0M-30.8% $8.6M
Financing Cash Flow -$4.5M-100.9% -$2.3M+69.7% -$7.5M+54.3% -$16.3M-396.0% $5.5M-66.2% $16.3M+289.6% -$8.6M-617.1% $1.7M
Dividends Paid N/A N/A N/A N/A N/A N/A N/A N/A
Share Buybacks $2.0M-83.7% $12.0M-5.9% $12.8M+197.8% $4.3M+336.7% $981K N/A N/A N/A

BVFL Financial Ratios

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
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 0.6% N/A 2.0%+0.5pp 1.5%+0.4pp 1.1% N/A 1.8%+0.2pp 1.7%
Return on Assets 0.1% N/A 0.4%+0.1pp 0.3%+0.1pp 0.2% N/A 0.4%+0.1pp 0.4%
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 3.96+3.8 0.190.0 0.180.0 0.18-0.1 0.250.0 0.26+0.1 0.170.0 0.17
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

Yes, Bv Financial (BVFL) reported a net income of $13.5M in fiscal year 2025.

Bv Financial (BVFL) reported diluted earnings per share of $1.43 for fiscal year 2025. This represents a 31.2% 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.

As of fiscal year 2025, Bv Financial (BVFL) had $55.7M in cash and equivalents against $35.0M in long-term debt.

Bv Financial (BVFL) has a return on equity of 7.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Bv Financial (BVFL) generated $18.8M in free cash flow during fiscal year 2025. This represents a 21.6% 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.

Bv Financial (BVFL) generated $19.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Bv Financial (BVFL) had $912.2M in total assets as of fiscal year 2025, including both current and long-term assets.

Bv Financial (BVFL) invested $237K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Bv Financial (BVFL) spent $30.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Bv Financial (BVFL) had 9M shares outstanding as of fiscal year 2025.

Bv Financial (BVFL) had a debt-to-equity ratio of 0.19 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Bv Financial (BVFL) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Bv Financial (BVFL) has a Piotroski F-Score of 6 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Bv Financial (BVFL) has an earnings quality ratio of 1.41x, 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.

Bv Financial (BVFL) scores 21 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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