BV Financial director sells 5,000 shares at ~$20

BV Financial, Inc. director Joseph S. Galli reported open‑market sales of 5,000 shares of common stock.

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Form Type

4/A

Rhea-AI Filing Summary

BV Financial, Inc. director Joseph S. Galli reported open‑market sales of 5,000 shares of common stock. The trades, executed on May 7 2026 through an IRA, were priced around $20 per share, with individual prices ranging from $20.01 to $20.09.

After these transactions, Galli’s indirect IRA holding stands at 36,740 shares. He also indirectly holds 12,100 shares through a retirement plan and directly owns 80,309 shares of common stock, which include restricted stock that vests 25% per year starting on September 6 2025.

In addition, Galli holds stock options linked to 36,746 shares of common stock with a $14.25 exercise price, vesting 25% per year beginning September 6 2025 and expiring on September 6 2034. Overall, the filing shows a modest net sale while maintaining a substantial ongoing equity position.

Insider Trade Summary

Net Seller: 5,000 shares

Net Sell 13 txns

Insider Galli Joseph S

Role Director

Sold 5,000 shs ($100K)

Type	Security	Shares	Price	Value
Sale	Common Stock	4,601	$20.00	$92K
Sale	Common Stock	30	$20.01	$600.30
Sale	Common Stock	9	$20.02	$180.18
Sale	Common Stock	118	$20.03	$2K
Sale	Common Stock	118	$20.04	$2K
Sale	Common Stock	2	$20.05	$40.10
Sale	Common Stock	6	$20.06	$120.36
Sale	Common Stock	104	$20.07	$2K
Sale	Common Stock	11	$20.08	$220.88
Sale	Common Stock	1	$20.09	$20.09
holding	Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 36,341 shares (Indirect, By IRA); Stock Options — 36,746 contracts (Direct); Common Stock — 80,309 shares (Direct); Common Stock — 12,100 shares (Indirect, By Retirement Plan)

Footnotes (2)

F1. Includes shares of restricted stock which vest at a rate of 25% per year commencing on September 6, 2025.
F2. Stock Options vest at a rate of 25% per year commencing on September 6, 2025.

Key Figures

Shares sold: 5,000 shares Sale prices: $20.01–$20.09/share Direct common shares: 80,309 shares +5 more

8 metrics

Shares sold 5,000 shares Open-market sales on May 7 2026 via IRA

Sale prices $20.01–$20.09/share Range of reported transaction prices

Direct common shares 80,309 shares Direct holdings after transactions, includes restricted stock

IRA common shares 36,740 shares Indirect holdings by IRA after sales

Retirement plan shares 12,100 shares Indirect holdings by retirement plan

Option exercise price $14.25/share Stock options on 36,746 underlying shares

Option underlying shares 36,746 shares Stock options expiring September 6 2034

Option expiration September 6 2034 Stock options on BV Financial common stock

Key Terms

open-market sale, Stock Options, restricted stock, IRA, +2 more

6 terms

open-market sale financial

"transaction_action": "open-market sale""

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

Stock Options financial

""security_title": "Stock Options""

Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.

restricted stock financial

"Includes shares of restricted stock which vest at a rate of 25% per year"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

IRA financial

""nature_of_ownership": "By IRA""

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

Retirement Plan financial

""nature_of_ownership": "By Retirement Plan""

vest at a rate of 25% per year financial

"Stock Options vest at a rate of 25% per year"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did BV Financial (BVFL) report for Joseph S. Galli?

BV Financial director Joseph S. Galli reported open-market sales of 5,000 shares of common stock. These trades were executed through an IRA account at prices around $20 per share, and the filing also updates his remaining direct and indirect holdings.

At what prices did Joseph S. Galli sell BVFL shares in this Form 4/A?

Galli’s IRA account sold BV Financial shares at prices between $20.01 and $20.09 per share. The reported transactions on May 7 2026 were small, broken into multiple trades, and together represented total sales of 5,000 common shares.

How many BV Financial (BVFL) shares does Joseph S. Galli hold after the reported sales?

After the trades, Galli holds 80,309 BV Financial common shares directly, 36,740 shares indirectly through an IRA, and 12,100 shares indirectly via a retirement plan. The direct holdings include restricted stock scheduled to vest gradually over several years.

What stock options on BV Financial (BVFL) does Joseph S. Galli currently hold?

Galli holds stock options tied to 36,746 BV Financial common shares with a $14.25 exercise price. These options vest at 25% per year beginning September 6 2025 and expire on September 6 2034, providing long-dated equity exposure alongside his shareholdings.

Does the BVFL Form 4/A show routine or unusual insider selling by Joseph S. Galli?

The filing shows relatively small open-market sales totaling 5,000 shares while Galli retains much larger direct, IRA, retirement-plan, and option positions. Based on the disclosed figures, the activity appears modest compared with his overall equity exposure to BV Financial.

How are Joseph S. Galli’s indirect BV Financial (BVFL) holdings structured?

Galli reports indirect ownership of BV Financial shares through two vehicles: an IRA holding 36,740 shares and a retirement plan holding 12,100 shares. These are reported separately from his 80,309 directly held shares, reflecting different ownership accounts in the filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/11/2026 - 04:06 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Galli Joseph S

(Last)

(First)

(Middle)

7114 NORTH POINT ROAD

(Street)

BALTIMORE

MARYLAND

21219

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
BV Financial, Inc. [ BVFL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/07/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)
05/08/2026

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	05/07/2026		S		4,601	D	$20	36,740	I	By IRA
Common Stock	05/07/2026		S		30	D	$20.01	36,710	I	By IRA
Common Stock	05/07/2026		S		9	D	$20.02	36,701	I	By IRA
Common Stock	05/07/2026		S		118	D	$20.03	36,583	I	By IRA
Common Stock	05/07/2026		S		118	D	$20.04	36,465	I	By IRA
Common Stock	05/07/2026		S		2	D	$20.05	36,463	I	By IRA
Common Stock	05/07/2026		S		6	D	$20.06	36,457	I	By IRA
Common Stock	05/07/2026		S		104	D	$20.07	36,353	I	By IRA
Common Stock	05/07/2026		S		11	D	$20.08	36,342	I	By IRA
Common Stock	05/07/2026		S		1	D	$20.09	36,341	I	By IRA
Common Stock								80,309⁽¹⁾	D
Common Stock								12,100	I	By Retirement Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Stock Options	$14.25							09/06/2025	09/06/2034	Common Stock	36,746⁽²⁾		36,746⁽²⁾	D

Explanation of Responses:

1. Includes shares of restricted stock which vest at a rate of 25% per year commencing on September 6, 2025.

2. Stock Options vest at a rate of 25% per year commencing on September 6, 2025.

	/s/ Scott A. Brown, pursuant to power of attorney	05/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR