BV Financial (BVFL) CFO reports option exercise and share disposal

Rhea-AI Filing Summary

BV Financial, Inc.'s EVP and CFO reported insider stock transactions dated December 12, 2025 involving common shares and stock options.

He exercised 18,371 stock options at $5.65 per share into common stock and disposed of 5,659 common shares at $19.11 per share. Following these transactions, he directly owned 45,926 common shares, with additional indirect holdings of 7,114 shares through an ESOP and 38,666 shares through an IRA. He also held 50,000 stock options with a $14.86 exercise price that vest 25% on September 17, 2025, with the remaining options vesting at a rate of 25% per year commencing on September 6, 2026.

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^*

DEE MICHAEL J

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/12/2025

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	12/12/2025		M		18,371	A	$5.65	51,585(1)	D
Common Stock	12/12/2025		F		5,659	D	$19.11	45,926(1)	D
Common Stock								7,114(2)	I	By ESOP
Common Stock								38,666	I	By IRA

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	$5.65	12/12/2025		M			18,371	12/31/2018	12/31/2027	Common Stock	18,371(3)	$0	0	D
Stock Options	$14.86							09/17/2025	09/17/2034	Common Stock	50,000(4)		50,000(4)	D

Explanation of Responses:

1. Includes shares of restricted stock which vest 25% on September 17, 2025, with the remaining shares vesting at a rate of 25% per year commencing on September 6, 2026.

2. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.

3. Stock Options are fully vested.

4. Stock Options vest 25% on September 17, 2025, with the remaining options vesting at a rate of 25% per year commencing on September 6, 2026.

	/s/ Michael J. Dee	12/16/2024
	** 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).
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FAQ

What insider transactions did BV Financial (BVFL) report on December 12, 2025?

The EVP and CFO of BV Financial, Inc. reported exercising 18,371 stock options at $5.65 per share into common stock and disposing of 5,659 common shares at $19.11 per share.

How many BV Financial (BVFL) shares does the EVP and CFO own after the reported transactions?

After the reported transactions, the EVP and CFO directly owned 45,926 common shares of BV Financial, Inc., as shown in the filing.

What indirect BV Financial (BVFL) share holdings does the EVP and CFO report?

The EVP and CFO reported indirect ownership of 7,114 common shares through an ESOP and 38,666 common shares through an IRA.

What stock options does the BV Financial (BVFL) EVP and CFO hold after these transactions?

Following the transactions, he held 50,000 stock options with a $14.86 exercise price, expiring on September 17, 2034, each option representing one share of common stock.

How are the remaining BV Financial (BVFL) stock options scheduled to vest for the EVP and CFO?

The remaining stock options vest 25% on September 17, 2025, with the rest vesting at a rate of 25% per year commencing on September 6, 2026, as described in the vesting footnote.

What does the filing say about the exercised BV Financial (BVFL) stock options at $5.65?

The filing shows that 18,371 stock options with a $5.65 exercise price, originally exercisable from December 31, 2018 to December 31, 2027, were exercised into common stock, leaving 0 of those options outstanding.