secwatch.observer — SEC 8-K summary
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Issuer:     BV Financial, Inc. (BVFL)
CIK:        0001302387
Form:       8-K
Filed at:   2026-01-23T23:59:59+00:00
Accession:  0001193125-26-020952
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/0001193125-26-020952-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-20260123.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-020952

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