BV Financial director sells 1,067 BVFL shares

BV Financial, Inc. director Joseph S. Galli reported an open-market sale of 1,067 shares of common stock held indirectly through an IRA at $19.90 per share.

Accepted by SEC EDGAR 05/27/2026 - 02:14 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

BV Financial, Inc. director Joseph S. Galli reported an open-market sale of 1,067 shares of common stock held indirectly through an IRA at $19.90 per share. After this sale, his IRA still holds 30,105 shares.

Galli also reports 80,309 direct shares, including restricted stock that vests 25% per year beginning on September 6, 2025, plus 12,100 shares held through a retirement plan. He further holds stock options covering 36,746 underlying shares at a $14.25 exercise price, expiring on September 6, 2034, vesting 25% annually from September 6, 2025.

Insider Trade Summary

Net Seller: 1,067 shares

Net Sell 1 txn

Insider Galli Joseph S

Role Director

Sold 1,067 shs ($21K)

Type	Security	Shares	Price	Value
Sale	Common Stock	1,067	$19.90	$21K
Holding	Stock Options	--	--	--
Holding	Common Stock	--	--	--
Holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 30,105 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)

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

Key Figures

Shares sold: 1,067 shares Sale price: $19.90 per share IRA holdings after sale: 30,105 shares +5 more

8 metrics

Shares sold 1,067 shares Open-market sale from IRA at $19.90 per share

Sale price $19.90 per share Price for 1,067-share sale on May 26, 2026

IRA holdings after sale 30,105 shares Common stock held indirectly by IRA following transaction

Direct common shares 80,309 shares Directly held common stock, including restricted shares

Retirement plan shares 12,100 shares Common stock held indirectly through retirement plan

Stock options underlying shares 36,746 shares Underlying common stock for options at $14.25 exercise price

Option exercise price $14.25 per share Exercise price for stock options expiring September 6, 2034

Option expiration date September 6, 2034 Stock options vesting 25% annually from September 6, 2025

Key Terms

Stock Options, restricted stock, IRA, Retirement Plan

4 terms

Stock Options financial

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

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 commencing on September 6, 2025."

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

"Common Stock transaction of 1,067 shares at $19.90 per share held indirectly 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

"Common Stock holding reported as 12,100 shares held indirectly By Retirement Plan."

FAQ

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

How many BVFL shares did director Joseph S. Galli sell in this Form 4?

Director Joseph S. Galli reported selling 1,067 shares of BV Financial common stock in an open-market transaction at $19.90 per share. The sale involved shares held indirectly through an IRA, while he retained substantial direct and indirect holdings after the transaction.

What BVFL shares does Joseph S. Galli hold after the reported sale?

After the sale, Joseph S. Galli’s IRA holds 30,105 shares of BV Financial. He also reports 80,309 shares held directly and 12,100 shares through a retirement plan, giving him significant ongoing exposure to the company’s common stock.

What stock options in BV Financial does Joseph S. Galli report holding?

Joseph S. Galli holds stock options linked to 36,746 underlying shares of BV Financial common stock with a $14.25 exercise price. These options begin vesting on September 6, 2025 at 25% per year and expire on September 6, 2034.

How do restricted shares factor into Joseph S. Galli’s BVFL holdings?

Galli’s direct holdings of 80,309 shares include restricted stock that vests at 25% per year starting on September 6, 2025. This schedule gradually turns restricted awards into fully vested shares, increasing his freely transferable stake over time.

Is the reported BVFL transaction a buy or a sale of shares?

The Form 4 reports a sale of BV Financial common stock. Specifically, an open-market transaction with code S shows 1,067 shares sold at $19.90 per share from an IRA, while other entries simply update existing holdings and derivative positions.

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

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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)
05/26/2026

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)

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/26/2026		S		1,067	D	$19.9	30,105	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
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/ Zachary Davis, pursuant to power of attorney	05/27/2026
	** 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)