---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-243407"
form_type: "8-K"
ticker: "BVFL"
cik: "0001302387"
company_name: "BV Financial, Inc."
filed_at: "2025-10-20T23:59:59+00:00"
generated_at: "2026-05-17T03:11:58.084698+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BV Financial reports Q3 net income $3.7M, EPS $0.41; announces stock repurchase program for up to 10% of shares

## Summary
- Q3 net income $3.7M ($0.41 EPS) vs $3.8M ($0.35); adjusted net income $4.4M vs $4.1M.
- ROAA 1.65%, ROAE 7.77% for the quarter; net loans +1.2% to $737.9M; deposits +1.9% to $663.8M.
- Recorded $1.0M recovery of provision for credit losses; non-accrual loans fell to $3.5M from $4.0M at Dec 31, 2024.
- Repurchased 782,324 shares at $16.14 avg in Q3; new buyback authorized up to 10% (~9.5M shares) through June 30, 2026.

## SEC filing metadata
- accession: 0001193125-25-243407
- form_type: 8-K
- ticker: BVFL
- cik: 0001302387
- company_name: BV Financial, Inc.
- filed_at: 2025-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1302387/000119312525243407/0001193125-25-243407-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000119312525243407/bvfl-20251017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-243407
- JSON: https://secwatch.observer/filing/0001193125-25-243407.json
- Plain text: https://secwatch.observer/filing/0001193125-25-243407.txt

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