BV Financial director sells 3,404 shares at $19.94

BV Financial, Inc. director Joseph S. Galli filed an insider trading report showing an open-market sale of 3,404 shares of common stock held in an IRA at a weighted average price of $19.94, with trades between $19.90 and $20.04.

Rhea-AI Filing Summary

BV Financial, Inc. director Joseph S. Galli filed an insider trading report showing an open-market sale of 3,404 shares of common stock held in an IRA at a weighted average price of $19.94, with trades between $19.90 and $20.04.

After this sale, the IRA held 24,674 shares, in addition to 80,309 directly held shares (including restricted stock) and 12,100 shares held through a retirement plan. Galli also holds stock options on 36,746 shares at an exercise price of $14.25 per share, vesting 25% annually beginning September 6, 2025 and expiring September 6, 2034.

Insider Trade Summary

Net Seller: 3,404 shares

Net Sell 4 txns

Insider Galli Joseph S

Role Director

Sold 3,404 shs ($68K)

Type	Security	Shares	Price	Value
Sale	Common Stock	3,404	$19.94	$68K
holding	Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 24,674 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 (3)

1. F1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $19.90 to $20.04, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.
2. F2. Includes shares of restricted stock which vest at a rate of 25% per year commencing on September 6, 2025.
3. F3. Stock Options vest at a rate of 25% per year commencing on September 6, 2025.

Key Figures

Shares sold: 3,404 shares Weighted average sale price: $19.94 per share IRA holdings after sale: 24,674 shares +5 more

8 metrics

Shares sold 3,404 shares Open-market sale of common stock from IRA

Weighted average sale price $19.94 per share Common stock sale; trades between $19.90 and $20.04

IRA holdings after sale 24,674 shares Common stock held indirectly by IRA after transaction

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

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

Stock options underlying shares 36,746 shares Options on common stock held directly

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

Option expiration date September 6, 2034 Stock options on 36,746 underlying shares

Key Terms

weighted average price, restricted stock, Stock Options, IRA, +1 more

5 terms

weighted average price financial

"The price reported in Column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

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.

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.

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""

FAQ

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

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

Joseph S. Galli reported an open-market sale of 3,404 shares of BV Financial, Inc. common stock from an IRA at a weighted average price of $19.94 per share, with individual trades between $19.90 and $20.04.

How many BVFL shares does Joseph S. Galli hold after this Form 4 filing?

After the reported sale, Joseph S. Galli’s IRA held 24,674 shares, in addition to 80,309 directly held shares (including restricted stock) and 12,100 shares held through a retirement plan, according to the Form 4’s post-transaction ownership figures.

What price range did Joseph S. Galli receive for his BV Financial shares?

The filing notes a weighted average sale price of $19.94 per share. Individual trades for the 3,404 sold shares occurred at prices ranging from $19.90 to $20.04, as disclosed in the Form 4 footnote.

What stock options on BVFL does Joseph S. Galli hold after the transaction?

Galli holds stock options tied to 36,746 shares of BV Financial common stock with an exercise price of $14.25 per share. These options vest 25% per year starting September 6, 2025 and expire on September 6, 2034.

Does the Form 4 mention restricted stock held by Joseph S. Galli at BVFL?

Yes. A footnote explains that his directly held 80,309 common shares include restricted stock awards that vest at 25% per year beginning on September 6, 2025, providing a schedule for when these awards become fully vested.

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

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Accepted by SEC EDGAR 05/29/2026 - 02:19 PM Learn about SEC filing dates

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)
05/28/2026

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	05/28/2026		S		3,404	D	$19.94(1)	24,674	I	By IRA
Common Stock								80,309(2)	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(3)		36,746(3)	D

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $19.90 to $20.04, inclusive. The reporting person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

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

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

	/s/ Zachary Davis, pursuant to power of attorney	05/29/2026
	** 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)