Welcome to our dedicated page for Bv Financial SEC filings (Ticker: BVFL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The BV Financial, Inc. (NASDAQ: BVFL) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a bank holding company and issuer of publicly traded common stock. BV Financial, Inc. is the parent of BayVanguard Bank, a full-service, community-oriented financial institution headquartered in Baltimore, Maryland, and it uses SEC reports and exhibits to communicate material information about its financial condition and results.
Investors researching BVFL can use this page to review key filings such as annual and quarterly reports, which typically present details on net interest income, noninterest income, noninterest expense, loan and deposit balances, securities portfolios, asset quality metrics and capital levels. These documents explain how the company’s earnings are driven by interest and dividends on loans and investment securities and how operating costs and credit provisions affect overall performance.
Current reports on Form 8-K are also important for BV Financial, Inc. For example, an 8-K filed in October 2025 notes that the company issued a press release announcing financial results for the quarter ended September 30, 2025 and furnished the release as an exhibit. Similar 8-K filings can cover other significant events, including capital actions or regulatory matters relevant to shareholders and analysts.
On Stock Titan, BVFL filings are complemented by AI-powered summaries designed to highlight the main points of lengthy reports. These summaries can help users quickly understand trends in net interest margin, asset quality, capital ratios and other disclosed metrics without reading every line of each filing. The platform also surfaces insider and executive-related disclosures, such as ownership changes reported on forms that accompany the company’s public reporting obligations.
By combining real-time updates from EDGAR with AI-generated explanations, the BV Financial, Inc. SEC filings page offers a structured way to analyze how this regional financial institution reports its performance, manages risk and complies with public company reporting requirements.
BV Financial, Inc. filed its annual report describing a community bank with $912.2 million in assets, $754.9 million of loans and $676.1 million of deposits as of December 31, 2025. Commercial real estate is its largest exposure, at $401.4 million or 53.2% of the loan portfolio, with a significant portion secured by properties outside Maryland.
One- to four-family residential mortgages total $258.5 million, or 34.2% of loans. Credit quality metrics are strong, with non-performing assets of $2.3 million, equal to 0.25% of total assets and down from $4.2 million a year earlier. The allowance for credit losses stands at $6.4 million, or 0.85% of total loans, after a net recovery in 2025.
The bank funds itself primarily through core deposits, with a balanced mix of noninterest-bearing checking, interest-bearing checking, money market, savings and certificates of deposit, and holds $183.0 million of available liquidity against uninsured and unsecured deposits of $99.2 million. Borrowings include $35.0 million of Federal Home Loan Bank advances, and the company redeemed $35.0 million of subordinated debt in 2025, supporting a year-end stockholders’ equity position of $183.8 million.
The Vanguard Group filed an amendment to its Schedule 13G reporting 0 shares and 0% beneficial ownership of BV Financial Inc common stock. The filing states that following an internal realignment effective January 12, 2026, certain Vanguard subsidiaries will report disaggregated holdings and The Vanguard Group, Inc. no longer is deemed to beneficially own securities held by those subsidiaries, in reliance on SEC Release No. 34-39538 (January 12, 1998). The amendment is signed by Ashley Grim, Head of Global Fund Administration.
BV Financial, Inc. director Joseph S. Galli reported open-market sales of a total of 1,500 shares of Common Stock on February 26, 2026. The trades, executed indirectly through an IRA, were completed at prices ranging from $19.60 to $19.65 per share.
Following these sales, the IRA held 20,933 common shares. Separately, Galli reported direct holdings of 81,309 common shares and 36,746 stock options, plus 38,508 common shares held indirectly through a retirement plan. Certain restricted stock and options vest 25% per year beginning September 6, 2025.
Fidelity Brokerage Services LLC reported multiple sales of BVFL common shares. The filing lists a mix of open-market sales on various dates and a private placement entry. Examples include 21,500 shares on 09/12/2023 (private placement) and 5,205 shares on 05/23/2023. The transactions are listed by date and sale method.
BV Financial, Inc. changed its independent auditor, with the Board’s Audit Committee approving the dismissal of Forvis Mazars, LLP effective after completion of the audit for the year ended December 31, 2025 and filing of the 2025 Form 10-K.
At the same time, the Audit Committee approved engaging Crowe LLP as the new independent registered public accounting firm for the fiscal year ending December 31, 2026, subject to Crowe’s standard client acceptance procedures and an engagement letter. The company reports that Forvis Mazars’ audit reports for 2023 and 2024 were clean and that there were no disagreements or reportable events with Forvis Mazars during those years or subsequent interim periods.
BayVanguard Bank Employee Stock Ownership Plan Trust, with Pentegra Trust Company as trustee, reports beneficial ownership of 853,899 shares of BV Financial, Inc. common stock, representing 9.6% of the class.
The trust has sole voting power over 666,330 shares and shared voting power over 187,569 shares. It has sole dispositive power over 842,743 shares and shared dispositive power over 11,156 shares. The filer certifies the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of BV Financial.
BV Financial, Inc., the holding company for BayVanguard Bank, filed a current report to note that it has released its financial results for the quarter ended December 31, 2025. The company issued a press release on January 23, 2026 describing these quarterly results.
The press release is included as Exhibit 99.1 to the report, and the filing indicates that BV Financial’s common stock, par value $0.01 per share, trades on The Nasdaq Stock Market LLC under the symbol BVFL.
BV Financial, Inc. and its subsidiary BayVanguard Bank entered into a Separation, Consulting and Release Agreement with Co-President, Co-Chief Executive Officer and director David M. Flair, under which he resigned all officer and director roles effective January 22, 2026.
His prior employment agreement was terminated, and he will receive a lump-sum payment of $2,142,182 (before taxes), his earned fiscal 2025 bonus, and benefits under a salary continuation plan with a fixed annual benefit of $60,000, while an existing executive split-dollar life insurance arrangement will remain in place.
If he signs and does not revoke the agreement, Flair will serve as a consultant from January 22, 2026 through September 7, 2028, advising the Board on strategy, and will vest in previously granted equity awards: 24,497 restricted shares and 61,244 options on September 6, 2026, and 24,497 restricted shares and 61,243 options on each of September 6, 2027 and 2028, subject to continued service, with partial vesting if the company ends the consulting period.
BV Financial, Inc.'s EVP of Human Resources, Rose Searcy, reported equity transactions dated December 17, 2025. She acquired 5,230 shares of common stock at $5.65 per share in a transaction coded M and disposed of 1,499 shares at $19.71 in a transaction coded F, resulting in 5,231 shares held directly.
She also holds BV Financial common stock indirectly, with 8,575 shares held by an ESOP and 4,362 shares held through a 401(k). Her derivative holdings include 2,424 stock options with a $5.65 exercise price expiring on December 31, 2027, and 15,000 stock options with a $14.86 exercise price expiring on September 17, 2034, with vesting beginning on September 17, 2025.
BV Financial, Inc. Co-President and Co-CEO David M. Flair reported an option exercise and related common stock transactions. On 12/12/2025, he exercised stock options for 21,433 shares of common stock at $5.65 per share and reported a disposition of 6,602 shares at $19.11 on the same date. Following these transactions, he directly owned 185,136 shares of BV Financial common stock, with additional indirect holdings of 10,238 shares through an ESOP, 4,508 shares through a 401(k), and 14,000 shares in an IRA. One stock option grant for 21,433 shares at $5.65 was fully exercised, while another grant for 244,974 options at $14.86 remains outstanding, vesting 25% on September 17, 2025 and 25% per year commencing on September 6, 2026, and expiring on September 17, 2034.