{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-096860","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.617814+00:00","generated_at":"2026-05-18T05:37:26.980752+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 Q2 net income falls to $2.9M; diluted EPS $0.29 vs $0.32 YoY","bullets":["Net income $2.9M ($0.29 diluted) for Q2 ended June 30, 2025, down from $3.4M ($0.32) a year ago.","Adjusted net income (non-GAAP) rose to $3.7M from $3.4M in prior-year quarter.","Net interest margin improved to 4.36% from 4.33%; net interest income increased to $9.2M.","Noninterest expense up to $5.8M due to $1.1M cost of equity awards under 2024 Equity Incentive Plan.","Repurchased 277,000 shares at avg $15.29; paid off all $15M FHLB borrowings."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-096860","json":"https://secwatch.observer/filing/0000950170-25-096860.json","markdown":"https://secwatch.observer/filing/0000950170-25-096860.md","text":"https://secwatch.observer/filing/0000950170-25-096860.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025096860/0000950170-25-096860-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000095017025096860/bvfl-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:37:26.980752+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"}