---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-116214"
form_type: "8-K"
ticker: "BVFL"
cik: "0001302387"
company_name: "BV Financial, Inc."
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:30:55.553132+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# BV Financial reports Q3 net income $3.8M ($0.35 EPS); asset quality improves with non-accrual loans down 62%

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-24-116214
- form_type: 8-K
- ticker: BVFL
- cik: 0001302387
- company_name: BV Financial, Inc.
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1302387/000095017024116214/0000950170-24-116214-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000095017024116214/bvfl-20241021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-116214
- JSON: https://secwatch.observer/filing/0000950170-24-116214.json
- Plain text: https://secwatch.observer/filing/0000950170-24-116214.txt

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