BV Financial Q4 net income $4.8M, up 140% YoY; leadership transition

BV Financial, Inc.

2025-FY EPS reported $1.43

Q4 2025 net income $4.8M ($0.57 diluted) vs $2.0M ($0.18) a year ago.
Full year 2025 net income $13.5M ($1.43), up from $11.7M ($1.10); adjusted net income $16.3M.
Net interest margin expanded to 4.52% in Q4 and 4.35% for the year.
Recorded $1.9M recovery of provision for credit losses in Q4; non-performing assets fell to $2.3M.
Repurchased 1.8M shares at avg $16.23 in 2025; replaced $35M sub debt with FHLB advances.

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