{"filings":[{"id":1853276,"accession_number":"0001193125-26-315814","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-07-24T18:39:19+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q2 net income rises to $3.5M ($0.42 EPS); net interest margin expands to 4.58%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.5M ($0.42 diluted EPS) vs $2.9M ($0.29) a year ago; adjusted net income $3.9M ($0.47).","Net interest margin 4.58% (Q2 2026) vs 4.36% (Q2 2025); net interest income $9.5M vs $9.2M.","Loans decreased $44.3M (5.9%) to $711.6M; deposits flat at $675.9M; paid off $35M FHLB borrowings.","Non-accrual loans increased to $3.4M from $2.3M at Dec 31, 2025; allowance for credit losses 0.87% of loans.","Repurchased 230,000 shares at avg $20.03; six-month net income $4.6M ($0.55) vs $5.0M ($0.50) due to $2.2M executive transition expense."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":766236,"accession_number":"0001193125-26-250363","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-06-01T15:20:30+00:00","items":["8.01"],"status":"ready","headline":"BV Financial names CEO Prindle Chairman; appoints Lead Independent Director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Timothy L. Prindle elected Chairman of the Board effective June 1, 2026, in addition to his roles as President and CEO.","Board determines combined CEO/Chairman role best aligns operations with strategic plan, citing Prindle's leadership and strong performance.","Independent directors elected William B. Crompton, III as Lead Independent Director to maintain independent oversight.","Board reviews leadership structure annually and will reassess the combined role in the future."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92006,"accession_number":"0001193125-26-214197","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-05-08T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"BV Financial elects three directors and ratifies Crowe LLP as auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Gary T. Amereihn, P. David Bramble, and Brian K. McHale elected to three-year terms.","Amereihn received 3,545,513 votes for; Bramble 4,218,802; McHale 3,996,448.","Ratification of Crowe LLP as independent auditor for 2026 approved with 6,856,915 votes for.","Broker non-votes: 2,009,822 on director elections; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92005,"accession_number":"0001193125-26-209167","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"BV Financial gets Fed non-objection for up to 10% share buyback (~861K shares)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Federal Reserve Bank of Richmond non-objected to repurchase program for up to 10% of outstanding common stock (approx. 861,000 shares).","Repurchases to begin after current program completion; ~45,000 shares remain under existing authorization.","Purchases may be made via open market, private transactions, block trades, or 10b5-1 plans; no obligation to buy any specific number."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92004,"accession_number":"0001193125-26-177364","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q1 net income falls to $1.1M on $2.2M CEO payout; adjusted net income rises","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $1.1M ($0.13 diluted EPS) vs $2.1M ($0.21) YoY; adjusted net income $3.3M vs $2.9M.","Former Co-President & CEO David Flair resigned in Jan; received $2.2M payout in Q1, reducing reported earnings.","Net interest margin expanded to 4.36% from 4.12%; net interest income rose to $9.1M from $8.6M.","Repurchased 102,076 shares at weighted-average $18.72; loans down 2.6% to $735.6M.","Non-performing loans $2.6M vs $2.3M; allowance for credit losses stable at $6.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102476,"accession_number":"0001193125-26-064120","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-02-23T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"BV Financial dismisses Forvis Mazars as auditor, appoints Crowe LLP","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee approved dismissal of Forvis Mazars effective after 2025 10-K filing.","No disagreements or reportable events with Forvis Mazars during 2023-2024 audits.","Crowe LLP engaged as new independent auditor for fiscal 2026, subject to standard procedures."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102475,"accession_number":"0001193125-26-020952","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q4 net income $4.8M, up 140% YoY; leadership transition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $4.8M ($0.57 diluted) vs $2.0M ($0.18) a year ago.","Full year 2025 net income $13.5M ($1.43), up from $11.7M ($1.10); adjusted net income $16.3M.","Net interest margin expanded to 4.52% in Q4 and 4.35% for the year.","Recorded $1.9M recovery of provision for credit losses in Q4; non-performing assets fell to $2.3M.","Repurchased 1.8M shares at avg $16.23 in 2025; replaced $35M sub debt with FHLB advances."],"consensus_eps_estimate":null,"consensus_eps_actual":1.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102474,"accession_number":"0000943374-26-000014","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2026-01-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"BV Financial CEO David Flair resigns, receives $2.1M separation payment","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David M. Flair resigns as Co-President, Co-CEO and director effective January 22, 2026.","Receives $2,142,182 separation payment plus 2025 bonus; employment agreement terminated.","Consulting arrangement through September 7, 2028; vesting in 24,497 restricted shares and 61,244 stock options per tranche.","Non-competition and non-solicitation covenants apply during the consulting period.","Company retains right to terminate consulting upon 30 days notice, triggering pro-rata equity vesting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118742,"accession_number":"0001193125-25-243407","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial reports Q3 net income $3.7M, EPS $0.41; announces stock repurchase program for up to 10% of shares","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $3.7M ($0.41 EPS) vs $3.8M ($0.35); adjusted net income $4.4M vs $4.1M.","ROAA 1.65%, ROAE 7.77% for the quarter; net loans +1.2% to $737.9M; deposits +1.9% to $663.8M.","Recorded $1.0M recovery of provision for credit losses; non-accrual loans fell to $3.5M from $4.0M at Dec 31, 2024.","Repurchased 782,324 shares at $16.14 avg in Q3; new buyback authorized up to 10% (~9.5M shares) through June 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135257,"accession_number":"0000950170-25-096860","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-07-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q2 net income falls to $2.9M; diluted EPS $0.29 vs $0.32 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.9M ($0.29 diluted) for Q2 ended June 30, 2025, down from $3.4M ($0.32) a year ago.","Adjusted net income (non-GAAP) rose to $3.7M from $3.4M in prior-year quarter.","Net interest margin improved to 4.36% from 4.33%; net interest income increased to $9.2M.","Noninterest expense up to $5.8M due to $1.1M cost of equity awards under 2024 Equity Incentive Plan.","Repurchased 277,000 shares at avg $15.29; paid off all $15M FHLB borrowings."],"consensus_eps_estimate":null,"consensus_eps_actual":0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152232,"accession_number":"0000943374-25-000196","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-05-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"BV Financial stockholders elect four directors, ratify Forvis Mazars as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All four director nominees elected at May 8, 2025 annual meeting: Baldwin, Crompton, Flair, Posnick.","Auditor ratification: Forvis Mazars, LLP received 8,151,096 votes for, 46,406 against, 517,408 abstain.","Broker non-votes of 2,113,034 shares on director elections."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152231,"accession_number":"0000950170-25-055822","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-04-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q1 net income $2.1M ($0.21 EPS) vs $2.6M ($0.24) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Adjusted net income was $2.9M for both Q1 2025 and Q1 2024.","Net interest margin improved to 4.12% from 3.91% YoY, net interest income up to $8.6M from $8.0M.","Noninterest expense jumped to $6.2M from $4.9M, driven by $1.2M in equity awards and higher compensation.","Completed $50k share repurchase in Jan 2025; new $2.6B? No, new repurchase program adopted April 4, 2025.","Net loans increased 1.65% to $741.3M; deposits up 0.98% to $657.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152230,"accession_number":"0000950170-25-051820","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-04-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial adopts stock repurchase program for up to 10% of outstanding shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to ~10.59M shares (10% of outstanding common stock).","Program expected to start after Q1 2025 earnings release; expires Dec 31, 2025.","Federal Reserve Bank of Richmond issued non-objection to initiate repurchases.","Second buyback program since mutual-to-stock conversion completed July 31, 2023.","Repurchases may be made in open market or private transactions at management's discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":171066,"accession_number":"0000950170-25-009611","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial FY 2024 net income $11.7M ($1.10 EPS), down from $13.7M ($1.47 EPS) in FY 2023","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $1.95M ($0.18 EPS) vs $3.0M ($0.28 EPS) a year ago; adjusted net income was $12.9M for both full years.","Net loans grew 4.74% to $729.2M; deposits increased 2.74% to $651.5M; $50M in brokered CDs replaced retail deposit runoff.","Net interest margin improved to 4.27% for FY 2024 from 4.23% in FY 2023; noninterest expense rose to $21.5M from $19.4M.","Company repurchased 1.1M shares at avg $16.27; equity decreased $3.6M to $195.5M after buybacks.","Non-performing assets fell to $4.2M from $10.7M; ACL coverage of NPLs rose to 212.5% from 82.9%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":188037,"accession_number":"0000950170-24-116214","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial reports Q3 net income $3.8M ($0.35 EPS); asset quality improves with non-accrual loans down 62%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.8M ($0.35 diluted EPS) in Q3 2024 vs $3.7M ($0.35) in Q3 2023.","Net interest margin expanded to 4.49% from 4.10% year-over-year.","Non-accrual loans fell 62.4% to $4.0M; provision credit of $714K recognized.","Loans decreased 1.6% to $693.2M; deposits flat at $634.3M.","Nine-month net income $9.8M ($0.91) down from $10.7M ($1.20) due to prior-year gains."],"consensus_eps_estimate":null,"consensus_eps_actual":0.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204541,"accession_number":"0000943374-24-000370","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-09-06T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"BV Financial stockholders elect three directors, approve 2024 equity plan, and ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected directors: Joseph S. Galli (7,704,678 for), Timothy L. Prindle (8,098,854 for), Matcheld V. Thomas (6,535,912 for).","Approved 2024 Equity Incentive Plan with 7,537,744 for, 768,453 against, 28,839 abstain.","Ratified FORVIS, LLP as independent auditor for 2024 with 9,347,258 for, 99,426 against, 282,011 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204540,"accession_number":"0000943374-24-000344","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial adopts stock repurchase program for up to 10% of shares after Fed non-objection","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Program allows repurchase of up to ~1,138,772 shares (10% of outstanding common stock).","First repurchase program since mutual-to-stock conversion completed July 31, 2023.","Repurchases may begin no earlier than August 1, 2024; program expires June 30, 2025.","Purchases can be in open market, private transactions, block trades, or under Rule 10b5-1 plan.","Repurchases at management discretion subject to market conditions, capital allocation, and regulatory limits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204539,"accession_number":"0000950170-24-084896","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-07-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q2 net income $3.4M ($0.32/sh) down from $3.9M ($0.49) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.4M ($0.32 diluted EPS) for Q2 ended June 30, 2024; prior year $3.9M ($0.49).","Net interest margin improved to 4.33% in Q2 2024 vs 4.19% in Q2 2023.","Total deposits rose 1.0% to $640.3M; non-accrual loans fell 22% to $8.2M.","Recovery of provision for credit losses of $111K in quarter; allowance 1.22% of loans.","Noninterest income dropped to $600K from $1.4M due to prior year $678K gain on real estate sale."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221350,"accession_number":"0000950170-24-046809","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BV Financial Q1 2024 net income $2.6M ($0.24 EPS) vs $3.1M ($0.39 EPS) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.6M, diluted EPS $0.24, down from $3.1M and $0.39 in Q1 2023.","$3.0M junior sub debt pay-off caused $566K write-off, increasing interest expense and lowering net income.","Net interest margin 3.91% vs 4.34% YoY, as cost of interest-bearing liabilities rose 125 bps.","Noninterest expense rose to $4.9M from $4.7M due to higher compensation and fraud losses.","Loans grew 0.56% to $708.7M; deposits up 0.85% to $639.5M; nonperforming loans $10.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240896,"accession_number":"0000950170-24-006553","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2024-01-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial Q4 net income falls to $0.28 diluted EPS; deposits drop 7.4% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $3.0M ($0.28 diluted EPS) vs $2.7M ($0.34) in Q4 2022; full-year net income $13.7M ($1.47) up from $10.5M ($1.32).","Net loans rose 5.6% to $696.2M; deposits fell 7.4% to $634.1M, with noninterest-bearing deposits down 15.1%.","Total equity soared 103.6% to $199.1M after July 2023 stock conversion raised $86.9M (9.8M shares at $10).","Net interest margin narrowed to 4.30% in Q4 from 4.45% a year ago; noninterest income fell sharply to $698K from $2.3M.","Non-performing assets increased to $10.7M (82.9% ACL coverage) vs $7.9M a year earlier."],"consensus_eps_estimate":null,"consensus_eps_actual":1.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":258401,"accession_number":"0000950170-23-054821","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-10-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial Q3 net income $3.7M ($0.35 EPS) vs $2.6M; stock conversion raises $98M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.7M ($0.35 diluted EPS) for Q3 2023 vs $2.6M ($0.33) in Q3 2022; nine-month net income $10.7M ($1.20) vs $7.8M ($0.98).","Completed conversion to stock holding company on July 31, 2023; raised $98.0M via offering of 9.8M shares; total equity up $97.1M (99%).","Net loans increased $39.8M (6.0%) to $698.9M; deposits down $38.1M (5.6%) to $646.5M.","Non-performing assets fell to $4.4M from $7.9M; allowance for credit losses at 1.15% of loans vs 0.57% at Dec 2022.","Net interest margin improved to 4.10% from 4.00%; return on avg assets 1.58%, return on avg equity 9.84%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275698,"accession_number":"0000950170-23-038554","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K/A","filed_at":"2023-08-04T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"BV Financial Q2 net income $3.9M ($0.52 EPS) vs $2.8M a year ago; H1 net income $7.0M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.9M for Q2 June 30, 2023, up 39% from $2.8M in Q2 2022; diluted EPS $0.52 vs $0.37.","Net interest margin improved to 4.19% from 3.70% YoY; net interest income $8.2M vs $7.2M.","Loans held to maturity increased $35.7M (5.4%) vs Dec 2022; deposits declined $14.5M (2.1%).","Nonperforming assets fell from $7.9M to $5.1M; allowance for credit losses $8.2M (1.16% of loans).","Stock offering expected to close July 31, 2023; funds collected $54.9M as of June 30."],"consensus_eps_estimate":null,"consensus_eps_actual":0.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275702,"accession_number":"0000943374-23-000327","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-07-31T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial completes mutual-to-stock conversion; shares to trade on Nasdaq Aug 1","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Conversion of Bay-Vanguard, M.H.C. to stock holding company completed; MHC ceased to exist.","Stock offering of 9,798,980 shares closed; total shares outstanding ~11,374,706.","Company's common stock (BVFL) expected to begin trading on Nasdaq Capital Market on August 1, 2023.","Book-entry statements and interest/fractional share checks to be mailed on/about Aug 1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275701,"accession_number":"0000950170-23-035300","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-07-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial reports Q2 2023 net income of $3.9M ($0.52 EPS), up from $2.8M ($0.37 EPS) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.9M ($0.52 EPS) in Q2 2023 vs $2.8M ($0.37) in Q2 2022; six-month net income $7.0M ($0.94) vs $5.2M ($0.70).","Net interest margin expanded to 4.19% from 3.70% YoY; net interest income $8.2M in Q2 2023 vs $7.2M.","Gross loans +$35.7M (+5.4%) to $702.9M; deposits -$14.5M (-2.1%) to $670.1M.","Non-performing assets fell to $5.1M from $7.9M at Dec 2022; allowance for credit losses 1.16% of loans.","Community stock offering in process; $54.9M collected; expected close July 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275700,"accession_number":"0000943374-23-000316","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-07-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial to close mutual-to-stock conversion July 31; Nasdaq listing Aug 1","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Conversion closing expected after July 31 market close; trading on Nasdaq under BVFL begins Aug 1.","Company expects to sell 9,798,980 shares at $10.00 per share, including 783,918 shares to ESOP.","Existing public stockholder shares converted at 1.5309-to-one; cash for fractional shares.","Total shares outstanding post-conversion approximately 11,374,706 before fractional adjustment.","All regulatory approvals received for the conversion and stock offering."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275699,"accession_number":"0000943374-23-000307","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-07-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial completes community offering of $98M in mutual-to-stock conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Community offering completed July 18, 2023; orders for $97,989,800 (9,798,980 shares) received.","Offering amount slightly above minimum of 9,775,000 shares.","Closing and conversion remain subject to regulatory approvals and customary conditions.","Final results and closing date to be announced after regulatory approvals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":293261,"accession_number":"0000943374-23-000299","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-06-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial extends community offering for stock conversion; 74% subscribed","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["As of June 30, 2023, received valid orders for ~74% of the 9,775,000-share minimum offering.","Community offering extended to July 14, 2023, with right to close earlier if minimum met.","Preference given to natural persons in Baltimore City and certain Maryland counties.","Completion remains subject to regulatory approval and sale of at least 9,775,000 shares.","Offering at minimum; shares not insured by FDIC and may lose value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":293260,"accession_number":"0000943374-23-000288","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-06-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial shareholders approve MHC conversion; requires reg OK and 9.775M share sale","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders and MHC members approved conversion at special meetings held June 29, 2023.","Completion subject to final regulatory approval and sale of at least 9,775,000 shares (minimum of offering range).","The conversion will change the mutual holding company parent to stock form; shares offered are not FDIC-insured."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":293259,"accession_number":"0000943374-23-000265","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-06-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial raises max purchase limits in conversion offering from $700K to $4.8M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Maximum individual/group purchase limit increased from 70,000 shares ($700K) to 480,000 shares ($4.8M).","Subscription offering expired June 21, 2023; ~52.3% of 9.775M-share minimum subscribed.","Resolicitation only for max subscribers; supplemental orders due by 4:30 p.m. ET June 30, 2023.","Conversion and stock offering still subject to regulatory approval and stockholder/member votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":293258,"accession_number":"0001193125-23-150558","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-05-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BV Financial commences stock offering of up to 15.2M shares at $10 for mutual-to-stock conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering up to 13.225M shares (15.209M if overallotted) at $10.00 per share; minimum 9.775M shares required.","Subscription offering to BayVanguard depositors and ESOP; community offering with local preference.","Shares expected to list on Nasdaq Capital Market under symbol 'BVFL' upon completion.","Offering period runs May 22 to June 21, 2023; managed by Performance Trust Capital Partners.","Conversion and offering subject to regulatory approvals, stockholder/member approval, and other conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":293257,"accession_number":"0001193125-23-146837","cik":1302387,"company_name":"BV Financial, Inc.","ticker":"BVFL","form_type":"8-K","filed_at":"2023-05-17T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"BV Financial enters marketing agent agreement for stock offering in MHC conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Performance Trust will market BV Financial's common stock in MHC conversion to stock holding company.","Performance Trust receives $30k management fee, 0.95% of subscription offering, 1.50% community offering, 5% syndicated offering.","Performance Trust receives additional $40k for records agent/stock info center manager services plus reimbursements.","Stock offering conducted under S-1 registration (No. 333-270496) with prospectus dated May 15, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170321846.1290486,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}