BV Financial, Inc. cash flow to debt ratio of 54.35% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

BV Financial, Inc.'s free cash flow has increased 21.58% from $15.45M last year to $18.79M, signaling increasing performance

BV Financial, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

BV Financial, Inc.'s debt has decreased relative to shareholder equity from 0.26 last year to 0.00 today, signaling strengthened financials

BV Financial, Inc. has a net cash position, so leverage is healthy.

BV Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

BV Financial, Inc.'s profit margin was 23.83% last year and is 25.27% this year, signaling increasing performance

BV Financial, Inc.'s short-term liabilities of $676.09M exceed its short-term assets of $83.99M, signaling financial risk

BV Financial, Inc.'s return on assets of 1.49% is lower than the 5.00% threshold, indicating inefficient asset utilization

BV Financial, Inc.'s return on equity of 7.07%, is lower than 15.00%, indicating bad performance

BV Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

BV Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

BV Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

BV Financial, Inc. has a free cash flow yield of 10.40%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

BV Financial, Inc.'s yearly earnings has increased 15.11% since last year from $11.72M to $13.49M, signaling increasing performance

BV Financial, Inc.'s yearly revenue has increased 1.04% since last year from $49.20M to $49.71M, signaling increasing performance

ROIC 1.30% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

BV Financial, Inc.'s 3-year revenue CAGR of 10.59% is positive, indicating growing revenue over the past 3 years

BV Financial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

BV Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

BV Financial, Inc. is undervalued relative to its fair value price of 44.22 based on Base Cash Flow Valuation (DCF) model

BV Financial, Inc. has an earnings yield of 7.47%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

BV Financial, Inc. is overvalued relative to its fair value price of 19.69 based on Base EBITDA Valuation model

BV Financial, Inc. has an EV/EBITDA ratio of 7.68x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

BV Financial, Inc. is undervalued relative to its fair value price of 40.65 based on Base Earnings Fair Value model

BV Financial, Inc. has a PEG-ratio over 1 which is considered overvalued

BV Financial, Inc. has a price-to-book ratio of 0.96x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

BV Financial, Inc. has a price-to-sales ratio of 3.38x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue