BV Financial Inc
BVFLFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
BVFL against its 20, 50 and 200-day averages6.5% under the 52-week high of 22.70 on 23 Oct 2026. 52-week low 16.37 on 19 Nov 2025. Last 15 sessions, 7.7% high to low
Volume 0.21× normal · the line is the 50-bar volume average
Profile
BVFLBV Financial, Inc. operates as a bank holding company, which engages in the provision of banking services. It is involved in attracting deposits from the general public and using those funds to originate one-to-four family real estate, mobile home, marine, farm loans, construction, multi-family, commercial real estate, and consumer loans, which it holds for investment. The company was founded in 1873 and is headquartered in Baltimore, MD.
| Index | RUT |
|---|---|
| Employees | 104 |
| IPO | Jan 14, 2005 |
| Beta | 0.04 |
| ATR, 14d | 0.57 |
| Rel volume | 0.21 |
| Short float | 1.22% |
| Insider own | 26.12% |
| Inst own | 38.88% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 178.14M |
| Enterprise Value | - |
| Income | 12.79M |
| Sales | 51.91M |
| Book/sh | 21.95 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Dec 28, 2018 |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 104 |
| IPO | Jan 14, 2005 |
Ratios
| P/E | 13.85 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 3.43 |
| P/B | 0.97 |
| P/C | - |
| P/FCF | 8.91 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.38 |
| Debt/Eq | 0.03 |
| LT Debt/Eq | 0.03 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.53 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 0.25% 5.87% |
| Sales past 3/5Y | 10.60% 17.76% |
| EPS Y/Y TTM | 43.50% |
| Sales Y/Y TTM | 1.48% |
| EPS Q/Q | 3.55% |
| Sales Q/Q | -4.34% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 26.12% |
|---|---|
| Insider Trans | -1.63% |
| Inst Own | 38.88% |
| Inst Trans | -0.65% |
| ROA | 1.43% |
| ROE | 6.83% |
| ROIC | 6.76% |
| Gross Margin | - |
| Oper. Margin | 35.61% |
| Profit Margin | 24.64% |
| SMA20 | -3.01% |
| SMA50 | -1.40% |
| SMA200 | 3.72% |
| Trades | - |
Technical
| Shs Outstand | 8.39M |
|---|---|
| Shs Float | 6.20M |
| Short Float | 1.22% |
| Short Ratio | 4.49 |
| Short Interest | 0.08M |
| 52W High | 22.70 -6.48% |
| 52W Low | 16.37 29.69% |
| Volatility | 2.03% 2.32% |
| ATR (14) | 0.57 |
| RSI (14) | 43.66 |
| Beta | 0.04 |
| Rel Volume | 0.21 |
| Avg Volume | 16.89K |
| Volume | 3,562 |
Performance
| Perf Week | -4.71% |
|---|---|
| Perf Month | -2.17% |
| Perf Quarter | -0.33% |
| Perf Half Y | 7.11% |
| Perf YTD | 17.03% |
| Perf Year | 25.25% |
| Perf 3Y | 102.58% |
| Perf 5Y | 6.15% |
| Perf 10Y | 229.15% |
| Recom | - |
| Target Price | - |
| Prev Close | 21.27 |
| Price | 21.23 |
| Change % | -0.19% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FUNC | First United Corp | 298.76M |
| MNSB | MainStreet Bancshares Inc | 153.38M |
| CBNK | Capital Bancorp Inc | 686.58M |
| FVCB | FVCBankcorp Inc | 293.42M |
| EFSI | Eagle Financial Services Inc | 249.01M |
| MGYR | Magyar Bancorp Inc | 140.60M |
| SHBI | Shore Bancshares Inc | 758.72M |
| BCBP | BCB Bancorp Inc (NJ) | 281.07M |
| CBFV | CB Financial Services Inc | 207.90M |
| RBKB | Rhinebeck Bancorp Inc | 207.33M |
Insider trading
latest 14 of 21| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Galli Joseph S | Director | Jun 11 '26 | Sale | 19.84 | 8,122 | 161,140 | 3,080 | Jun 15 02:50 PM |
| Galli Joseph S | Director | Jun 12 '26 | Sale | 19.82 | 3,080 | 61,058 | 0 | Jun 15 02:50 PM |
| Galli Joseph S | Director | Jun 10 '26 | Sale | 19.85 | 5,000 | 99,234 | 11,202 | Jun 11 04:43 PM |
| Galli Joseph S | Director | Jun 09 '26 | Sale | 19.75 | 5,113 | 100,993 | 16,202 | Jun 10 03:52 PM |
| Galli Joseph S | Director | Jun 08 '26 | Sale | 19.90 | 185 | 3,682 | 21,315 | Jun 10 03:52 PM |
| Galli Joseph S | Director | Jun 05 '26 | Sale | 19.93 | 3,060 | 60,987 | 21,500 | Jun 08 04:32 PM |
| Galli Joseph S | Director | Jun 02 '26 | Sale | 19.80 | 114 | 2,257 | 24,560 | Jun 04 12:38 PM |
| Galli Joseph S | Director | May 22 '26 | Proposed Sale | 19.71 | 21,500 | 423,765 | Jun 01 11:11 AM | |
| Galli Joseph S | Director | May 28 '26 | Sale | 19.94 | 3,404 | 67,876 | 24,674 | May 29 02:19 PM |
| Galli Joseph S | Director | May 27 '26 | Sale | 19.90 | 2,027 | 40,341 | 28,078 | May 29 10:54 AM |
| Galli Joseph S | Director | May 26 '26 | Sale | 19.90 | 1,067 | 21,233 | 30,105 | May 27 02:14 PM |
| Galli Joseph S | Director | May 26 '26 | Proposed Sale | 19.62 | 9,672 | 189,764 | May 26 01:19 PM | |
| Galli Joseph S | Director | May 11 '26 | Sale | 20.00 | 169 | 3,380 | 31,172 | May 12 04:10 PM |
| Galli Joseph S | Director | May 08 '26 | Sale | 20.00 | 5,000 | 100,000 | 31,341 | May 11 04:15 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
News
latest 14 of 68- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial's Q4 Earnings Soar Y/Y on Credit Loss Recovery (Zacks)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial Rallies 23% in Six Months: Should You Buy the Stock? (Zacks)
- The Zacks Analyst Blog Highlights Walmart, Intuitive Surgical, Lam Research and BV Financial (Zacks)
- Top Stock Reports for Walmart, Intuitive Surgical & Lam Research (Zacks)
- BV Financial's Q3 Earnings Climb Y/Y on Loan Growth, Stock Up 14% (Zacks)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE) +7.96%
- Zacks Initiates Coverage of BV Financial With Neutral Recommendation (Zacks)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial, Inc. Announces Financial Results (ACCESSWIRE)
- BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program (ACCESSWIRE)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-24 | - | - | 0.134 | 9.64 | - | - |
| 2025Q4 | 2026-01-23 | - | - | 0.560 | 10.54 | - | - |
| 2025Q3 | 2025-10-20 | - | - | 0.406 | 10.03 | - | - |
| 2025Q2 | 2025-07-18 | - | - | 0.289 | 9.87 | - | - |
| 2025Q1 | 2025-04-18 | - | - | 0.210 | 9.17 | - | - |
| 2024Q4 | 2025-01-28 | - | - | 0.183 | 9.66 | - | - |
| 2024Q2 | 2024-07-19 | - | - | 0.318 | 9.51 | - | - |
| 2023Q2 | 2023-08-04 | - | - | 0.525 | 9.61 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | -0.04 | 0.219 | 0.383 | 1.073 | 1.322 | 1.416 | 1.467 | 1.095 | 1.427 | 1.5332 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.352 | 0.183 | 0.21 | 0.289 | 0.406 | 0.56 | 0.134 | 0.42 | 0.42 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 7.259 | 7.299 | 12.654 | 23.165 | 31.749 | 38.769 | 46.802 | 49.183 | 52.454 | 51.91 |
| Period | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 12.849 | 12.555 | 12.408 | 12.98 | 13.217 | 13.849 | 12.615 | 12.807 | 12.644 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 2.999 | 2.999 | 7.105 | 7.099 | 7.138 | 7.419 | 11.376 | 10.645 | 8.853 | 8.391 |
| Period | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 11.702 | 10.645 | 10.594 | 10.318 | 9.536 | 8.853 | 8.751 | 8.52 | 8.391 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 49.28 | 49.71 | 46.68 | 43.42 | 33.35 | 29.38 | 18.23 | 12.15 |
| Total Interest Expense | 11.80 | 12.81 | 11.49 | 9.19 | 3.43 | 3.73 | 2.90 | 1.74 |
| Net Interest Income | 37.48 | 36.90 | 35.19 | 34.23 | 29.92 | 25.64 | 15.32 | 10.41 |
| Loan Loss Provision | -1.90 | -2.43 | -0.20 | -0.04 | 1.04 | 0.57 | 0.69 | 0.11 |
| Net Interest Income After Loan Loss Provision | 39.38 | 39.33 | 35.39 | 34.27 | 28.88 | 25.07 | 14.63 | 10.30 |
| Non-Interest Income | 2.63 | 2.75 | 2.50 | 3.38 | 5.42 | 2.37 | 4.94 | 0.51 |
| Non-Interest Expense | 23.53 | 23.18 | 21.48 | 19.22 | 19.73 | 15.46 | 10.57 | 7.47 |
| Operating Income | 18.49 | 18.89 | 16.41 | 18.43 | 14.57 | 11.98 | 8.99 | 3.34 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.26 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 18.33 | 18.86 | 16.41 | 18.62 | 14.55 | 12.82 | 8.99 | 3.34 |
| Income Taxes | 5.54 | 5.37 | 4.68 | 4.92 | 4.03 | 3.38 | 1.35 | 0.86 |
| Consolidated Net Income | 12.79 | 13.49 | 11.72 | 13.71 | 10.52 | 9.44 | 7.64 | 2.47 |
| Net Income From Continuing Operations | 12.79 | 13.49 | 11.72 | 13.71 | 10.52 | 9.44 | 7.64 | 2.47 |
| Net Income | 12.79 | 13.49 | 11.72 | 13.71 | 10.52 | 9.44 | 7.64 | 2.47 |
| EPS (Recurring) | 1.64 | 1.43 | 1.09 | 1.47 | 1.44 | 1.32 | 1.07 | 0.38 |
| EPS (Basic, Before Extraordinaries) | 1.57 | 1.44 | 1.10 | 1.47 | 1.42 | 1.33 | 1.08 | 0.38 |
| EPS (Diluted) | 1.53 | 1.43 | 1.09 | 1.47 | 1.42 | 1.32 | 1.07 | 0.38 |
| Non-Operating Income (Expense) | -0.16 | -0.03 | 0.00 | 0.19 | 0.25 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 3.29 | 1.51 | 0.28 | 0.00 | 0.14 | 0.01 | 0.01 |
| Price To Earnings Ratio | 13.85 | 13.85 | 14.45 | 7.92 | 11.19 | 10.00 | 10.45 | 37.80 |
| Price To Sales Ratio | 3.16 | 3.27 | 3.75 | 2.83 | - | - | - | - |
| Operating Margin | 35.61 | 36.02 | 33.36 | 39.39 | 37.57 | 37.72 | 38.83 | 26.38 |
| Net Margin | 24.64 | 25.73 | 23.84 | 29.29 | 27.15 | 29.74 | 33.00 | 19.54 |
| Shares Outstanding | 8.39 | 8.85 | 10.65 | 11.38 | 7.42 | 7.14 | 7.10 | 7.11 |
| Market Capitalization | 178.15 | 178.15 | 199.72 | 105.37 | 116.03 | 93.72 | 78.83 | 80.06 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 11.96 | 12.21 | 12.08 | 13.03 | 12.53 | 12.27 | 11.88 | 11.91 |
| Total Interest Expense | 2.89 | 2.67 | 2.97 | 3.28 | 3.18 | 3.11 | 3.24 | 2.90 |
| Net Interest Income | 9.08 | 9.54 | 9.11 | 9.75 | 9.35 | 9.16 | 8.64 | 9.01 |
| Loan Loss Provision | 0.21 | -0.22 | -0.01 | -1.89 | -1.01 | 0.18 | 0.30 | 0.60 |
| Net Interest Income After Loan Loss Provision | 8.86 | 9.75 | 9.12 | 11.64 | 10.36 | 8.98 | 8.35 | 8.41 |
| Non-Interest Income | 0.68 | 0.60 | 0.53 | 0.82 | 0.69 | 0.71 | 0.53 | 0.64 |
| Non-Interest Expense | 5.06 | 5.49 | 7.60 | 5.38 | 5.88 | 5.75 | 6.17 | 6.21 |
| Operating Income | 4.49 | 4.87 | 2.05 | 7.08 | 5.18 | 3.94 | 2.70 | 2.85 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 4.49 | 4.73 | 2.05 | 7.06 | 5.17 | 3.94 | 2.70 | 2.85 |
| Income Taxes | 1.05 | 1.27 | 0.96 | 2.25 | 1.44 | 1.08 | 0.60 | 0.90 |
| Consolidated Net Income | 3.44 | 3.46 | 1.09 | 4.80 | 3.73 | 2.86 | 2.10 | 1.95 |
| Net Income From Continuing Operations | 3.44 | 3.46 | 1.09 | 4.80 | 3.73 | 2.86 | 2.10 | 1.95 |
| Net Income | 3.44 | 3.46 | 1.09 | 4.80 | 3.73 | 2.86 | 2.10 | 1.95 |
| EPS (Recurring) | 0.44 | 0.42 | 0.13 | 0.56 | 0.41 | 0.29 | 0.21 | 0.18 |
| EPS (Basic, Before Extraordinaries) | 0.44 | 0.43 | 0.13 | 0.57 | 0.41 | 0.29 | 0.21 | 0.18 |
| EPS (Diluted) | 0.42 | 0.42 | 0.13 | 0.56 | 0.41 | 0.29 | 0.21 | 0.18 |
| Non-Operating Income (Expense) | 0.00 | -0.14 | 0.00 | -0.02 | -0.01 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.55 | 0.55 | 0.53 | 0.82 | 0.96 | 0.96 | - |
| Price To Earnings Ratio | 13.85 | 15.26 | 13.07 | 16.68 | 15.59 | 14.32 | 13.94 | 14.45 |
| Price To Sales Ratio | 3.16 | 3.33 | 2.96 | 2.97 | 2.90 | 2.97 | 3.05 | 3.73 |
| Operating Margin | 35.50 | 37.99 | 16.27 | 51.13 | 39.18 | 30.33 | 21.74 | 22.67 |
| Net Margin | 27.17 | 27.03 | 8.65 | 34.69 | 28.22 | 22.04 | 16.92 | 15.54 |
| Shares Outstanding | 8.39 | 8.52 | 8.75 | 8.85 | 9.54 | 10.32 | 10.59 | 10.65 |
| Market Capitalization | 178.15 | 183.40 | 167.49 | 161.52 | 160.22 | 160.35 | 176.99 | 199.72 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2017FY | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 5.62 | 5.84 | 9.26 | 12.70 | 8.48 | 10.97 | 4.77 | - | 4.46 |
| Investments | 91.78 | 109.65 | 110.35 | 100.64 | 144.96 | 122.55 | 32.27 | - | 26.85 |
| Net Loans | 748.48 | 729.24 | 696.25 | 659.13 | 584.44 | 607.07 | 235.19 | - | 126.09 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Real Estate Assets | 0.00 | 0.16 | 0.17 | 1.99 | 1.99 | 2.79 | 0.45 | - | 0.29 |
| Net Property, Plant & Equipment | 13.20 | 14.15 | 15.38 | 15.79 | 16.25 | 16.66 | 6.06 | - | 4.29 |
| Interest Receivables | 3.15 | 3.16 | 3.28 | 2.95 | 2.58 | 2.94 | 0.99 | - | 0.57 |
| Deferred Tax Assets | 7.56 | 8.90 | 8.97 | 9.11 | 8.32 | 10.09 | 3.71 | - | 2.72 |
| Other Intangible Assets | 42.42 | 40.72 | 41.60 | 42.64 | 48.10 | 44.43 | 11.41 | - | 5.95 |
| Total Assets | 912.21 | 911.82 | 885.25 | 844.96 | 815.13 | 817.50 | 294.85 | - | 171.23 |
| Total Deposits | 676.09 | 651.49 | 634.12 | 684.62 | 680.02 | 675.10 | 217.82 | - | 142.60 |
| Total Debt | 35.75 | 50.85 | 38.41 | 49.68 | 38.06 | 55.83 | 3.22 | - | 3.06 |
| Long Term Debt | 25.70 | 50.60 | 38.17 | 49.51 | 37.78 | 52.58 | 3.22 | - | 3.06 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Deferred Tax Liabilities | - | - | - | - | - | 1.93 | 0.67 | - | 0.14 |
| Other Liabilities | 16.56 | 13.98 | 13.66 | 12.91 | 13.60 | 10.62 | 7.13 | - | 3.81 |
| Total Liabilities | 728.41 | 716.32 | 686.19 | 747.21 | 731.68 | 743.48 | 228.85 | - | 149.60 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Common Equity | 183.80 | 195.50 | 199.06 | 97.75 | 83.45 | 74.02 | 66.00 | - | 21.62 |
| Total Shareholders Equity | 183.80 | 195.50 | 199.06 | 97.75 | 83.45 | 74.02 | 66.00 | - | 21.62 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Total Equity | 183.80 | 195.50 | 199.06 | 97.75 | 83.45 | 74.02 | 66.00 | - | 21.62 |
| Total Liabilities & Stockholders Equity | 912.21 | 911.82 | 885.25 | 844.96 | 815.13 | 817.50 | 294.85 | - | 171.23 |
| Book Value Per Share | 20.76 | 18.36 | 17.50 | 13.18 | 11.69 | 10.43 | 9.29 | - | 7.21 |
| Tangible Book Value Per Share | 19.06 | 16.93 | 16.14 | 11.07 | 9.49 | 8.41 | 8.96 | - | 7.16 |
| Tier 1 Capital | - | 171.78 | 162.12 | 109.94 | 93.21 | 84.76 | 60.72 | - | 20.18 |
| Tier 2 Capital | 6.54 | 8.86 | 8.45 | 3.82 | 2.68 | 1.86 | 1.29 | - | 1.30 |
| Full-Time Employees | 104 | 113 | 116 | - | - | - | - | - | - |
| Price to Book Ratio | 0.97 | 0.96 | 0.83 | 1.23 | 1.12 | 1.06 | 1.21 | - | 0.71 |
| Return on Assets | 1.48 | 1.30 | 1.58 | 1.27 | 1.16 | 1.37 | 1.07 | - | 0.38 |
| Return on Equity | 7.12 | 5.94 | 9.24 | 11.62 | 11.99 | 10.92 | 5.64 | - | 3.07 |
| Return on Invested Capital | 6.44 | 4.76 | 5.78 | 7.15 | 7.79 | 6.04 | 3.57 | - | 2.65 |
| Current Ratio | 0.17 | 0.21 | 0.23 | 0.20 | 0.31 | 0.29 | 0.40 | - | 0.20 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 17.26 | 15.23 | 14.05 | 9.56 | 10.49 | 5.46 | 3.55 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 1.77 | 0.83 | 1.14 | 0.16 | 2.19 | -0.14 | -2.39 |
| Cash from Operating Activities | - | 19.02 | 16.06 | 15.19 | 9.71 | 12.68 | 5.33 | 1.16 |
| Capital Expenditures | - | -0.24 | -0.61 | -0.15 | -0.50 | -0.41 | -0.38 | -0.47 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -83.84 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.64 | 0.94 | 0.00 | 109.92 | 19.32 |
| Purchase or Sale of Investments | - | 4.87 | 1.83 | 1.55 | -2.35 | -8.76 | 11.84 | 5.59 |
| Purchase of Investments | - | -16.01 | -14.50 | -6.97 | -12.00 | -18.01 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | - | 20.88 | 16.33 | 8.53 | 9.65 | 9.25 | 11.84 | 5.59 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.96 | -0.74 | 0.35 | -0.57 | 0.88 | 0.33 | 0.03 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | -0.14 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.73 | 14.94 | 0.91 | 0.88 | 0.00 |
| Cash from Investing Activities | - | -13.29 | -32.50 | -35.17 | -27.76 | 17.83 | 32.33 | 23.79 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -30.02 | -17.70 | 94.74 | 0.00 | 0.04 | 0.02 | 0.04 |
| Repurchase of Common Pref Stock | - | -30.02 | -17.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 94.74 | 0.00 | 0.04 | 0.02 | 0.04 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 94.74 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -15.00 | 11.91 | -19.33 | 12.00 | -17.85 | 30.00 | 0.00 |
| Change in Long Term Debt | - | -15.00 | 11.91 | -12.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 35.00 | 15.00 | 25.50 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -50.00 | -3.09 | -37.50 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | -0.11 | 1.53 | -0.18 | -0.83 | 3.69 | 0.54 | -0.90 |
| Other Financing Activities Uses | - | -0.11 | - | -0.18 | -0.83 | - | - | -0.90 |
| Cash from Financing Activities | - | -20.53 | 13.19 | 25.07 | -24.49 | -8.83 | 30.11 | -7.24 |
| Net Change in Cash | - | -14.79 | -3.24 | 5.09 | -42.54 | 19.20 | 67.76 | 17.71 |
| Free Cash Flow | - | 18.79 | 15.45 | 15.04 | 9.21 | 12.26 | 4.95 | 0.68 |
| Price to Free Cash Flow | - | 9.13 | 11.94 | 8.81 | - | - | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 7.21 | 8.66 | 6.91 | 5.62 | 6.06 | 4.99 |
| Investments | 79.13 | 99.17 | 108.98 | 91.78 | 98.81 | 93.59 |
| Net Loans | 726.34 | 704.41 | 729.21 | 748.48 | 737.88 | 742.41 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 12.04 | 12.82 | 12.96 | 13.20 | 13.45 | 14.00 |
| Interest Receivables | 3.07 | 3.02 | 2.99 | 3.15 | 3.05 | 3.24 |
| Deferred Tax Assets | 7.52 | 7.56 | 7.40 | 7.56 | 9.27 | 9.31 |
| Other Intangible Assets | 42.68 | 42.32 | 42.41 | 42.42 | 40.87 | 40.63 |
| Total Assets | 878.00 | 877.96 | 910.86 | 912.21 | 909.39 | 908.33 |
| Total Deposits | 673.96 | 675.89 | 673.51 | 676.09 | 663.79 | 658.89 |
| Total Debt | 5.00 | 0.63 | 35.69 | 35.75 | 35.81 | 35.82 |
| Long Term Debt | 5.00 | 0.45 | 15.48 | 25.70 | 35.56 | 35.57 |
| Provision for Risks Charges | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 14.81 | 18.23 | 18.01 | 16.56 | 19.58 | 15.62 |
| Total Liabilities | 693.77 | 694.75 | 727.22 | 728.41 | 719.18 | 710.34 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 184.23 | 183.20 | 183.64 | 183.80 | 190.21 | 197.99 |
| Total Shareholders Equity | 184.23 | 183.20 | 183.64 | 183.80 | 190.21 | 197.99 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 184.23 | 183.20 | 183.64 | 183.80 | 190.21 | 197.99 |
| Total Liabilities & Stockholders Equity | 878.00 | 877.96 | 910.86 | 912.21 | 909.39 | 908.33 |
| Book Value Per Share | 21.95 | 21.50 | 20.99 | 20.76 | 19.95 | 19.19 |
| Tangible Book Value Per Share | 20.17 | 19.74 | 19.27 | 19.06 | 18.36 | 17.72 |
| Tier 1 Capital | - | 150.62 | - | 147.85 | 177.33 | 175.04 |
| Tier 2 Capital | - | 6.34 | - | 6.54 | 8.40 | 8.96 |
| Full-Time Employees | - | - | - | 104 | - | - |
| Price to Book Ratio | 0.97 | 1.01 | 0.92 | 0.91 | 0.84 | 0.81 |
| Return on Assets | 1.43 | 1.47 | 1.36 | 1.48 | 1.18 | 1.19 |
| Return on Equity | 6.83 | 6.87 | 6.54 | 7.12 | 5.32 | 5.31 |
| Return on Invested Capital | 1.82 | 1.89 | 0.55 | 2.29 | 1.65 | 1.22 |
| Current Ratio | 0.38 | 0.21 | 0.22 | 0.17 | 0.16 | 0.14 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 4.07 | 2.07 | 5.38 | 4.43 | 4.03 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.36 | 1.61 | -1.94 | 4.00 | -1.31 |
| Cash from Operating Activities | - | 4.43 | 3.69 | 3.44 | 8.44 | 2.71 |
| Capital Expenditures | - | -0.11 | -0.01 | 0.13 | -0.01 | -0.14 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 0.67 | 0.34 | 1.44 | 0.81 | 0.12 |
| Purchase of Investments | - | -5.75 | -6.00 | -2.00 | -6.79 | -1.92 |
| Sale Or Maturity of Investments | - | 6.41 | 6.34 | 3.44 | 7.59 | 2.05 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 27.15 | 19.73 | -9.02 | 6.25 | -0.52 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -4.64 | -1.96 | -12.00 | -12.76 | -4.28 |
| Repurchase of Common Pref Stock | - | -4.64 | -1.96 | -12.00 | -12.76 | -4.28 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -35.00 | 0.00 | 0.00 | 0.00 | -15.00 |
| Change in Long Term Debt | - | -35.00 | 0.00 | 0.00 | 0.00 | -15.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 29.00 | 6.00 | 0.00 |
| Reduction of Long Term Debt | - | -35.00 | 0.00 | -29.00 | -6.00 | -15.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | -2.56 | 0.40 | 1.69 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | - | - |
| Cash from Financing Activities | - | -37.26 | -4.54 | -2.26 | -7.46 | -16.69 |
| Net Change in Cash | - | -5.67 | 18.87 | -7.84 | 7.22 | -14.50 |
| Free Cash Flow | - | 4.32 | 3.68 | 3.57 | 8.42 | 2.57 |
| Price to Free Cash Flow | - | 8.74 | 8.56 | 8.28 | 7.75 | 9.06 |
Revenue breakdown
| Savings Institution, Federally Chartered | 2024: 37.70M 2025: 39.62M |
|---|---|
| United States | 2024: 37.70M 2025: 39.62M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.22% | 0.1M | 6.2M | 16.50K |
| 2026-10-15 | 1.44% | 0.1M | 6.3M | 17.02K |
| 2026-09-30 | 1.82% | 0.1M | 6.3M | 15.62K |
| 2026-09-15 | 2.05% | 0.1M | 6.3M | 17.94K |
| 2026-08-31 | 2.45% | 0.2M | 6.3M | 20.07K |
| 2026-08-14 | 1.85% | 0.1M | 6.3M | 20.34K |
| 2026-07-31 | 1.66% | 0.1M | 6.5M | 20.42K |
| 2026-07-15 | 1.68% | 0.1M | 6.5M | 19.47K |
| 2026-06-30 | 1.60% | 0.1M | 6.5M | 20.70K |
| 2026-06-15 | 1.73% | 0.1M | 6.5M | 19.23K |
| 2026-05-29 | 1.76% | 0.1M | 6.5M | 16.61K |
| 2026-05-15 | 1.73% | 0.1M | 6.4M | 16.37K |
| 2026-04-30 | 1.86% | 0.1M | 6.5M | 17.25K |
| 2026-04-15 | 1.98% | 0.1M | 6.5M | 17.50K |
| 2026-03-31 | 2.15% | 0.1M | 6.8M | 16.15K |
| 2026-03-13 | 2.29% | 0.2M | 6.9M | 14.99K |
| 2026-02-27 | 1.98% | 0.1M | 6.9M | 15.38K |
| 2026-02-13 | 1.72% | 0.1M | 6.9M | 17.63K |
| 2026-01-30 | 1.79% | 0.1M | 6.9M | 18.64K |
| 2026-01-15 | 1.89% | 0.1M | 6.9M | 29.21K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-23 | 8-K | Current report | 2026-10-23 | SEC |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-24 | 8-K | Current report | 2026-07-24 | SEC |
| 2026-07-07 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-30 | NT 11-K | 2025-12-31 | SEC | |
| 2026-06-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-11 | SEC |
| 2026-06-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-06-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-08 | SEC |
| 2026-06-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-05 | SEC |
| 2026-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-01 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-06-01 | 8-K | Current report | 2026-06-01 | SEC |
| 2026-05-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-28 | SEC |
| 2026-05-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-27 | SEC |
| 2026-05-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-26 | SEC |
| 2026-05-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-11 | SEC |
| 2026-05-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-08 | SEC |
| 2026-05-11 | 4/A | 2026-05-07 | SEC | |
| 2026-05-11 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-08 | SEC |
| 2026-05-08 | 8-K | Current report | 2026-05-07 | SEC |
| 2026-05-06 | 8-K | Current report | 2026-05-05 | SEC |
| 2026-04-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-28 | SEC |
| 2026-04-24 | 8-K | Current report | 2026-04-24 | SEC |
| 2026-04-24 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-02 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-02 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-02 | SEC |
| 2026-03-27 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 489.35K | 7 |
| 2026-05 | 0 | 0 | 332.85K | 6 |
| 2026-04 | 0 | 0 | 120.75K | 1 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 29.45K | 1 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| ALLIANCEBERNSTEIN L.P. | 8.83% |
| BlackRock, Inc. | 6.85% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.53% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.96% |
| GENDELL JEFFREY L | 1.63% |
| Oppenheimer & Close, LLC | 1.59% |
| DIMENSIONAL FUND ADVISORS LP | 1.58% |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1.33% |
| STATE STREET CORP | 1.16% |
| Stilwell Value LLC | 0.92% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.44% |
| iShares Russell 2000 ETF | 2.05% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.00% |
| iShares Russell 2000 Value ETF | 0.83% |
| Fidelity Small Cap Index Fund | 0.79% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.46% |
| Fidelity Extended Market Index Fund | 0.39% |
| iShares Micro-Cap ETF | 0.26% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.26% |
| Dimensional U.S. Small Cap ETF | 0.24% |
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