What is the 13F Pro Quality Score for BVFL?

13F Pro ranks BV Financial, Inc. (BVFL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BVFL's current score at https://13fpro.ai/research/BVFL (free sign-up required for the full ranking).

Which hedge funds own the most BVFL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of BVFL include ALLIANCEBERNSTEIN L.P., BlackRock,, GEODE CAPITAL MANAGEMENT,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/BVFL as soon as new 13F filings post.

Where does 13F Pro source BVFL data?

All BV Financial, Inc. fundamentals and ownership data come directly from SEC EDGAR. BV Financial, Inc. files with the SEC under CIK 1302387. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BVFL in?

BV Financial, Inc. (BVFL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BVFL research updated on 13F Pro?

BVFL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BV Financial, Inc.(BVFL)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

BVFL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BV Financial, Inc. (BVFL), a Financials sector company. BVFL is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), BV Financial, Inc. reports net income of $1.1M, free cash flow of $3.7M. Top institutional holders of BVFL by reported 13-F value include ALLIANCEBERNSTEIN L.P., BlackRock,, GEODE CAPITAL MANAGEMENT,, based on the most recent SEC filings. BVFL trades on the Nasdaq exchange and files with the SEC under CIK 1302387. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BVFL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BV Financial, Inc. directly from SEC EDGAR.

Net Income

Q1 2026

$1.1M

Free Cash Flow

Q1 2026

$3.7M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-14.5% YoY

$11.7MFY 2024

FY21 —FY22 $10.5MFY23 $13.7MFY24 $11.7M

EPS (Diluted)

-25.9% YoY

$1.09FY 2024

FY21 —FY22 $1.32FY23 $1.47FY24 $1.09

Total Assets

+3.0% YoY

$911.8MFY 2024

FY21 —FY22 $845.0MFY23 $885.3MFY24 $911.8M

Total Debt

+33.9% YoY

$49.9MFY 2024

FY21 —FY22 $49.0MFY23 $37.3MFY24 $49.9M

Op. Cash Flow

+5.7% YoY

$16.1MFY 2024

FY21 —FY22 $9.7MFY23 $15.2MFY24 $16.1M

Metric	FY 2024	FY 2023	FY 2022	FY 2021
Net Income	$11.7M -14.5%	$13.7M +30.2%	$10.5M	—
EPS (Diluted)	$1.09 -25.9%	$1.47 +11.4%	$1.32	—
Total Assets	$911.8M +3.0%	$885.3M +4.8%	$845.0M	—
Total Debt	$49.9M +33.9%	$37.3M -24.0%	$49.0M	—
Operating Cash Flow	$16.1M +5.7%	$15.2M +56.4%	$9.7M	—

AI Insight: BVFL Financial Trends

Net income slumped to a 5-quarter low of $1M in Q1 2026 after a strong Q4 2025 peak of $5M, while equity has eroded $26M since Q3 2024.

• Net income swung from a peak of $5M in Q4 2025 to just $1M in Q1 2026, the weakest reading in five quarters.

• Equity has declined steadily from $210M in Q3 2024 to $184M in Q1 2026, a $26M erosion over five quarters.

• Total debt dropped from $50M in Q4 2024–Q1 2025 back to $35M by Q2 2025, easing leverage modestly.

• Operating cash flow is volatile, ranging from $2M in Q2 2024 to $8M in Q3 2025, with no consistent directional trend.

⚠ Q1 2026 net income of $1M is the lowest in five quarters — confirm whether this reflects seasonal softness or structural pressure.

⚠ Equity contraction from $210M to $184M over five quarters warrants monitoring; sustained decline could pressure capital adequacy.

⚠ Total debt data is absent in Q1 2026 — disclosure gap makes leverage assessment incomplete for the latest period.

AI Insight: BVFL Ratio Trends

BVFL's profitability surged to a multi-period peak in Q4 2025 (ROE 10.5%, ROIC 12.9%) before a sharp Q1 2026 reset to cycle lows.

• ROE recovered from a trough of 4.0% in Q4 2024 to 10.5% in Q4 2025, a 6.5pp improvement over four quarters.

• ROIC climbed from 4.3% in Q1 2025 to 12.9% in Q4 2025, the highest reading in the dataset.

• Q1 2026 ROE collapsed to 2.4% and ROIC to 4.5%, the weakest quarterly readings in the full table.

• Leverage (D/E) spiked to 0.26 in Q4 2024, then retreated to 0.18–0.19 through Q3–Q4 2025, suggesting reduced balance-sheet stress.

⚠ Q1 2026 ROA dropped to 0.5% — the lowest quarterly ROA in the table — flagging a potential earnings-quality concern.

⚠ TTM ROIC of 9.9% masks the severe Q1 2026 single-quarter dip; sustainability of Q4 2025 strength is unconfirmed.

⚠ D/E data is absent for Q1 2026; confirming leverage did not re-spike alongside the profitability drop is critical.

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Available Research

13F Pro tracks comprehensive data for BV Financial, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BVFL

ALLIANCEBERNSTEIN L.P.
$15.1M835,165 sh
BlackRock, Inc.
$10.9M567,345 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.2M165,508 sh
GENDELL JEFFREY L
$2.7M141,262 sh
Oppenheimer & Close, LLC
$2.6M134,533 sh
DIMENSIONAL FUND ADVISORS LP
$2.3M120,933 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$2.2M115,248 sh
RAYMOND JAMES FINANCIAL INC
$2.1M110,071 sh
STATE STREET CORP
$2.0M106,042 sh
Stilwell Value LLC
$1.7M90,000 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$15.1M	835,165
BlackRock, Inc.	$10.9M	567,345
GEODE CAPITAL MANAGEMENT, LLC	$3.2M	165,508
GENDELL JEFFREY L	$2.7M	141,262
Oppenheimer & Close, LLC	$2.6M	134,533
DIMENSIONAL FUND ADVISORS LP	$2.3M	120,933
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$2.2M	115,248
RAYMOND JAMES FINANCIAL INC	$2.1M	110,071
STATE STREET CORP	$2.0M	106,042
Stilwell Value LLC	$1.7M	90,000

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Is BVFL a good stock to buy?

13F Pro's AI-powered analysis of BV Financial, Inc. (BVFL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BVFL are available on the BVFL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BVFL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BVFL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BV Financial, Inc.'s investment landscape.