{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-055822","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2025-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.869823+00:00","generated_at":"2026-05-23T10:56:02.448081+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"BV Financial Q1 net income $2.1M ($0.21 EPS) vs $2.6M ($0.24) YoY","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-055822","json":"https://secwatch.observer/filing/0000950170-25-055822.json","markdown":"https://secwatch.observer/filing/0000950170-25-055822.md","text":"https://secwatch.observer/filing/0000950170-25-055822.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025055822/0000950170-25-055822-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025055822/bvfl-20250418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T10:56:02.448081+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"}