---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-315814"
form_type: "8-K"
ticker: "BVFL"
cik: "0001302387"
company_name: "BV Financial, Inc."
filed_at: "2026-07-24T18:39:19+00:00"
generated_at: "2026-07-24T18:40:08.550867+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BV Financial Q2 net income rises to $3.5M ($0.42 EPS); net interest margin expands to 4.58%

## Summary
- Net income $3.5M ($0.42 diluted EPS) vs $2.9M ($0.29) a year ago; adjusted net income $3.9M ($0.47).
- Net interest margin 4.58% (Q2 2026) vs 4.36% (Q2 2025); net interest income $9.5M vs $9.2M.
- Loans decreased $44.3M (5.9%) to $711.6M; deposits flat at $675.9M; paid off $35M FHLB borrowings.
- Non-accrual loans increased to $3.4M from $2.3M at Dec 31, 2025; allowance for credit losses 0.87% of loans.
- Repurchased 230,000 shares at avg $20.03; six-month net income $4.6M ($0.55) vs $5.0M ($0.50) due to $2.2M executive transition expense.

## SEC filing metadata
- accession: 0001193125-26-315814
- form_type: 8-K
- ticker: BVFL
- cik: 0001302387
- company_name: BV Financial, Inc.
- filed_at: 2026-07-24T18:39:19+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1302387/000119312526315814/0001193125-26-315814-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000119312526315814/bvfl-20260724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-315814
- JSON: https://secwatch.observer/filing/0001193125-26-315814.json
- Plain text: https://secwatch.observer/filing/0001193125-26-315814.txt

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