---
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"
generated_at: "2026-05-23T10:56:02.448081+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# BV Financial Q1 net income $2.1M ($0.21 EPS) vs $2.6M ($0.24) YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1302387/000095017025055822/0000950170-25-055822-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000095017025055822/bvfl-20250418.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-055822
- JSON: https://secwatch.observer/filing/0000950170-25-055822.json
- Plain text: https://secwatch.observer/filing/0000950170-25-055822.txt

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