{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-020952","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2026-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.754325+00:00","generated_at":"2026-05-16T08:22:00.248916+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BV Financial Q4 net income $4.8M, up 140% YoY; leadership transition","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-020952","json":"https://secwatch.observer/filing/0001193125-26-020952.json","markdown":"https://secwatch.observer/filing/0001193125-26-020952.md","text":"https://secwatch.observer/filing/0001193125-26-020952.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/0001193125-26-020952-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-20260123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:22:00.248916+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"}