Bv Financial Financials
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).
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
Profitability recovered without asset growth: assets were essentially flat at
Financial Health Signals
Bv Financial does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Bv Financial passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass.
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
Earnings & Revenue
Bv Financial reported $13.5M in net income in fiscal year 2025. This represents an increase of 15.1% from the prior year.
Bv Financial earned $1.43 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.2% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Bv Financial held $55.7M in cash against $35.0M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
BVFL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| SG&A Expenses | N/A | $16.2M+15.9% | $14.0M+14.3% | $12.3M+21.0% | $10.1M |
| Interest Expense | N/A | $12.8M+11.4% | $11.5M+25.1% | $9.2M+167.9% | $3.4M |
| Income Tax | N/A | $5.4M+14.6% | $4.7M-4.7% | $4.9M+22.0% | $4.0M |
| Net Income | N/A | $13.5M+15.1% | $11.7M-14.5% | $13.7M+30.2% | $10.5M |
| EPS (Diluted) | — | $1.43+31.2% | $1.09-25.9% | $1.47+11.4% | $1.32 |
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BVFL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|
| Total Assets | $912.2M0.0% | $911.8M+3.0% | $885.3M+4.8% | $845.0M |
| Cash & Equivalents | $55.7M-21.0% | $70.5M-4.4% | $73.7M+7.4% | $68.7M |
| Goodwill | $14.4M0.0% | $14.4M0.0% | $14.4M0.0% | $14.4M |
| Total Liabilities | $728.4M+1.7% | $716.3M+4.4% | $686.2M-8.2% | $747.2M |
| Long-Term Debt | $35.0M-29.8% | $49.9M+33.9% | $37.3M-24.0% | $49.0M |
| Total Equity | $183.8M-6.0% | $195.5M-1.8% | $199.1M+103.6% | $97.8M |
| Retained Earnings | $123.0M+12.3% | $109.5M+12.0% | $97.8M+15.6% | $84.6M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
BVFL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Operating Cash Flow | $17.9M | $19.0M+18.4% | $16.1M+5.7% | $15.2M+56.4% | $9.7M |
| Capital Expenditures | -$2K | $237K-61.2% | $611K+294.2% | $155K-69.1% | $502K |
| Free Cash Flow | $17.7M | $18.8M+21.6% | $15.5M+2.7% | $15.0M+63.3% | $9.2M |
| Investing Cash Flow | $44.1M | -$13.3M+59.1% | -$32.5M+7.6% | -$35.2M-26.7% | -$27.8M |
| Financing Cash Flow | -$49.5M | -$20.5M-255.6% | $13.2M-47.4% | $25.1M+202.4% | -$24.5M |
| Share Buybacks | $31.4M | $30.0M+69.6% | $17.7M | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BVFL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|
| Return on Equity | 7.3%+1.3pp | 6.0%-0.9pp | 6.9%-3.9pp | 10.8% |
| Return on Assets | 1.5%+0.2pp | 1.3%-0.3pp | 1.6%+0.3pp | 1.3% |
| Debt-to-Equity | 0.19-0.1x | 0.26+0.1x | 0.19-0.3x | 0.50 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, FCF Margin.
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Where Bv Financial Ranks
Frequently Asked Questions
Is Bv Financial profitable?
Yes, Bv Financial (BVFL) reported a net income of $13.5M in fiscal year 2025.
How much debt does Bv Financial have?
As of fiscal year 2025, Bv Financial (BVFL) had $55.7M in cash and equivalents against $35.0M in long-term debt.
What is Bv Financial's return on equity (ROE)?
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.
What is Bv Financial's free cash flow?
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.
What is Bv Financial's operating cash flow?
Bv Financial (BVFL) generated $19.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bv Financial's total assets?
Bv Financial (BVFL) had $912.2M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bv Financial's capital expenditures?
Bv Financial (BVFL) invested $237K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bv Financial's debt-to-equity ratio?
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.
What is Bv Financial's return on assets (ROA)?
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.
What is Bv Financial's Piotroski F-Score?
Bv Financial (BVFL) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.
Are Bv Financial's earnings high quality?
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.