Director Joseph Galli sells 1,500 BV Financial (BVFL) shares

Rhea-AI Filing Summary

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.

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

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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 MD 21219

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
02/26/2026

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

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

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

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	02/26/2026		S		72	D	$19.6	22,361	I	By IRA
Common Stock	02/26/2026		S		156	D	$19.61	22,205	I	By IRA
Common Stock	02/26/2026		S		245	D	$19.62	21,960	I	By IRA
Common Stock	02/26/2026		S		454	D	$19.635	21,506	I	By IRA
Common Stock	02/26/2026		S		573	D	$19.65	20,933	I	By IRA
Common Stock								81,309(1)	D
Common Stock								38,508	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/ Joseph S. Galli	02/27/2026
	** 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).
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FAQ

What insider transaction did BVFL director Joseph S. Galli report?

Joseph S. Galli reported selling 1,500 BV Financial, Inc. common shares. The open-market sales on February 26, 2026 were executed indirectly through an IRA at prices between $19.60 and $19.65 per share, and reduced the IRA’s position to 20,933 shares.

At what prices were the BVFL shares sold in this Form 4 filing?

The BV Financial, Inc. shares were sold at prices from $19.60 to $19.65. Multiple open-market sales on February 26, 2026, in blocks of 72 to 573 shares, resulted in total dispositions of 1,500 shares held indirectly through an IRA account.

How many BVFL shares does Joseph S. Galli hold after the reported sales?

After the sales, the IRA held 20,933 BV Financial, Inc. common shares. Galli also reported 81,309 common shares held directly, 36,746 stock options held directly, and 38,508 common shares held indirectly through a retirement plan, according to the reported post-transaction balances.

Were the BVFL insider sales made directly or through an account?

The 1,500 BV Financial, Inc. shares were sold indirectly through an IRA. The Form 4 identifies the ownership for these transactions as indirect, noted as “By IRA,” while other reported holdings include both direct ownership and indirect ownership through a retirement plan.

What vesting terms apply to Joseph S. Galli’s BVFL restricted stock and options?

The filing notes that certain restricted BV Financial, Inc. shares vest 25% per year. The same 25% annual vesting schedule applies to the reported stock options, with both vesting schedules commencing on September 6, 2025, according to the accompanying footnotes.