---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-038554"
form_type: "8-K/A"
ticker: "BVFL"
cik: "0001302387"
company_name: "BV Financial, Inc."
filed_at: "2023-08-04T23:59:59+00:00"
generated_at: "2026-06-12T05:43:02.393190+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BV Financial Q2 net income $3.9M ($0.52 EPS) vs $2.8M a year ago; H1 net income $7.0M

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-23-038554
- form_type: 8-K/A
- ticker: BVFL
- cik: 0001302387
- company_name: BV Financial, Inc.
- filed_at: 2023-08-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1302387/000095017023038554/0000950170-23-038554-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000095017023038554/bvfl-20230726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-038554
- JSON: https://secwatch.observer/filing/0000950170-23-038554.json
- Plain text: https://secwatch.observer/filing/0000950170-23-038554.txt

## Key facts
- Earnings Releases
  BV Financial, Inc. reported the six-month period ended June 30, 2023 results: net income Net income for the six-month period ended June 30, 2023 was $7.0 million or $0.94 per diluted share, EPS $0.94 per diluted share.
  - Period: the six-month period ended June 30, 2023
  - Net income: Net income for the six-month period ended June 30, 2023 was $7.0 million or $0.94 per diluted share
  - EPS: $0.94 per diluted share
  - Result: reported results
  source text: Net income for the six-month period ended June 30, 2023 was $7.0 million or $0.94 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1302387/000095017023038554/0000950170-23-038554-index.htm
- Earnings Releases
  BV Financial, Inc. reported the quarter ended June 30, 2023 results: net income net income of $3.9 million, or $0.52 per diluted share, EPS $0.52 per diluted share.
  - Period: the quarter ended June 30, 2023
  - Net income: net income of $3.9 million, or $0.52 per diluted share
  - EPS: $0.52 per diluted share
  - Result: reported results
  source text: today reported net income of $3.9 million, or $0.52 per diluted share, for the quarter ended June 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1302387/000095017023038554/0000950170-23-038554-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.