---
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"
generated_at: "2026-05-18T05:37:26.980752+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# BV Financial Q2 net income falls to $2.9M; diluted EPS $0.29 vs $0.32 YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1302387/000095017025096860/0000950170-25-096860-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000095017025096860/bvfl-20250717.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-096860
- JSON: https://secwatch.observer/filing/0000950170-25-096860.json
- Plain text: https://secwatch.observer/filing/0000950170-25-096860.txt

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