---
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"
generated_at: "2026-05-16T08:22:00.248916+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-020952
- JSON: https://secwatch.observer/filing/0001193125-26-020952.json
- Plain text: https://secwatch.observer/filing/0001193125-26-020952.txt

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