{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-009611","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.250561+00:00","generated_at":"2026-05-27T08:03:57.813614+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BV Financial FY 2024 net income $11.7M ($1.10 EPS), down from $13.7M ($1.47 EPS) in FY 2023","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-009611","json":"https://secwatch.observer/filing/0000950170-25-009611.json","markdown":"https://secwatch.observer/filing/0000950170-25-009611.md","text":"https://secwatch.observer/filing/0000950170-25-009611.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025009611/0000950170-25-009611-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025009611/bvfl-20250127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:03:57.813614+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}