BV Financial, Inc. Financial Ratios — BVFL Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	4.26	2.37	0.49	-1.91	-18.12	3.7	0.42	5.64	10.92	11.99	11.62	9.24	5.94	7.12
Return on Assets (%)	- -	0.52	0.35	0.07	-0.22	-1.71	0.4	0.05	1.07	1.38	1.16	1.27	1.58	1.3	1.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.58	1.55	0.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	26.98	28.38	24.32	8.47	-7.63	6.14	3.61	3.31	3.67	4.1	3.65	2.95	2.78	2.66	2.05
Operating Margin (%)	26	23.63	17.54	4.32	-14.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	8.47	-46.55	145.48	- -	282.13	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26	23.63	17.54	4.32	-14.57	-111.36	15.73	18.39	30.58	52.98	45.77	41.18	49.27	43.51	47.57
Profit Margin (%)	17.1	15.33	10.94	2.5	-8.23	-64.44	10.02	1.42	22.66	45.03	33.7	29.78	36.26	31.09	34.03
Net Income to Common Margin (%)	17.1	15.33	10.94	2.5	-8.23	-64.44	10.02	1.42	22.66	45.03	33.7	29.78	36.26	31.09	34.03
Effective Tax Rate (%)	34.22	35.1	37.64	42.04	- -	- -	36.29	92.27	25.91	15	26.38	27.69	26.39	28.54	28.46
Dvd Payout Ratio (%)	- -	- -	- -	179.12	-56.36	-6.29	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	4.26	2.37	-0.39	-2.99	-19.26	3.7	0.42	5.64	10.92	11.99	11.62	9.24	5.94	7.12

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	5	14	14	8	1	3	3	6	55	37	49	37	50	35
ST Debt	- -	- -	- -	- -	- -	1	- -	- -	3	3	- -	- -	- -	- -	- -
LT Debt	- -	5	14	14	8	- -	3	3	3	52	37	49	37	50	35
Total Debt/EBITDA	- -	4.81	14.86	43.83	-24.51	3.41	13.01	14.15	14.96	78.53	36	47.02	35.41	49.73	43.05
Net Debt/EBITDA	-7.26	-2.23	6.94	38.16	-16.89	-9.25	-29.89	-35.22	-52.94	-53.64	-72.69	-18.8	-34.69	-20.56	-25.47
Total Debt/EBIT	- -	5.77	20.6	85.99	-12.84	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-7.54	-2.68	9.63	74.87	-8.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.1	15.66	13.66	13.59	9.96	8.83	12.64	12.95	22.44	9.08	10.24	11.57	22.49	21.44	20.15
Long-Term Debt/Equity (%)	- -	27.1	78.04	74.1	45.89	- -	14.14	13.86	4.55	69.78	44.13	50.17	18.71	25.52	19.04
Long-Term Debt/Capital (%)	- -	21.32	43.83	42.56	31.45	- -	12.39	12.17	4.17	40.14	30.62	33.41	15.76	20.33	16
Long-Term Debt/Total Assets (%)	- -	4.24	10.66	10.07	4.57	- -	1.79	1.79	1.02	6.33	4.52	5.8	4.21	5.47	3.84
Total Debt/Equity (%)	- -	27.1	78.04	74.1	45.89	6.47	14.14	13.86	9.09	73.84	44.13	50.17	18.71	25.52	19.04
Total Debt/Capital (%)	- -	21.32	43.83	42.56	31.45	6.08	12.39	12.17	8.33	42.47	30.62	33.41	15.76	20.33	16
Total Debt/Total Assets (%)	- -	4.24	10.66	10.07	4.57	0.57	1.79	1.79	2.04	6.7	4.52	5.8	4.21	5.47	3.84
Net Debt to Equity	-78.47	-12.57	36.48	64.52	31.61	-17.55	-32.49	-34.48	-32.17	-50.44	-89.11	-20.06	-18.33	-10.55	-11.26
Net Debt/Capital (%)	-364.44	-14.37	26.73	39.22	24.02	-21.28	-48.12	-52.64	-44.44	-101.77	-818.6	-25.1	-22.45	-11.79	-12.69
EBITDA	1	1	1	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1
EBITDA-CapEx	1	1	1	- -	- -	- -	- -	- -	- -	- -	1	1	1	- -	1
Operating Income (Loss)	1	1	1	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.1	15.66	13.66	13.59	9.96	8.83	12.64	12.95	22.44	9.08	10.24	11.57	22.49	21.44	20.15
Long-Term Debt/Equity (%)	- -	27.1	78.04	74.1	45.89	- -	14.14	13.86	4.55	69.78	44.13	50.17	18.71	25.52	19.04
Long-Term Debt/Capital (%)	- -	21.32	43.83	42.56	31.45	- -	12.39	12.17	4.17	40.14	30.62	33.41	15.76	20.33	16
Long-Term Debt/Total Assets (%)	- -	4.24	10.66	10.07	4.57	- -	1.79	1.79	1.02	6.33	4.52	5.8	4.21	5.47	3.84
Total Debt/Equity (%)	- -	27.1	78.04	74.1	45.89	6.47	14.14	13.86	9.09	73.84	44.13	50.17	18.71	25.52	19.04
Total Debt/Capital (%)	- -	21.32	43.83	42.56	31.45	6.08	12.39	12.17	8.33	42.47	30.62	33.41	15.76	20.33	16
Total Debt/Total Assets (%)	- -	4.24	10.66	10.07	4.57	0.57	1.79	1.79	2.04	6.7	4.52	5.8	4.21	5.47	3.84
CFO/Total Liabilities	0.77	0.96	0.47	0.28	-0.02	1.45	1.07	1.3	0.51	0.68	1.45	1.3	2.21	2.24	2.61
CFO/CapEx	- -	- -	- -	- -	- -	17.8	15.64	52.72	2.45	13.4	25.49	19.35	98.03	26.29	80.27
Altman's Z-Score	0.17	0.16	0.25	0.23	0.14	0.11	0.14	0.15	0.31	0.13	0.16	0.33	0.34	0.37	0.37

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	9.63	8.81	7.05	6.64	6.68	11.17	11.94	14.65	8.64	10.15	12.77	12.13	11.71	12.57
Days Sales Outstanding	- -	37.89	41.43	51.78	54.99	54.63	32.66	30.57	24.92	42.23	35.95	28.58	30.09	31.17	29.04
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	22	21	13	9	- -	- -	- -	- -	- -	185	161	183	161
- Cash & Cash Equivalents	6	7	8	2	2	3	10	10	24	92	111	69	74	70	56
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5	14	14	8	1	3	3	6	55	37	49	37	50	35
Enterprise Value	-6	-2	29	33	18	6	-20	-21	-27	-70	-112	133	90	136	115
Total Capital	8	23	33	32	24	15	25	25	72	129	120	147	236	245	219
Total Debt/Capital (%)	- -	21.32	43.83	42.56	31.45	6.08	12.39	12.17	8.33	42.47	30.62	33.41	15.76	20.33	16
Total Debt / EV	- -	-2.16	0.51	0.41	0.41	0.14	-0.15	-0.15	-0.23	-0.78	-0.33	0.37	0.41	0.37	0.31
EV/Sales	- -	4.79	7.14	9.04	4.56	1.49	0.54	2.04	7.74	3	1.1	3.76	2.38	3.61	2.89
EV/EBITDA	- -	16.9	29.35	106.79	- -	24.22	15.01	61.7	210.58	73.18	30.24	127.34	85.59	135.85	141.15
EV/EBIT	- -	20.29	40.69	209.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	18.34	51.89	101.83	- -	3.06	2.21	6.89	72.98	10.14	2.92	13.67	5.93	8.48	6.03
EV/Free Cash Flow to Firm	- -	18.34	51.89	101.83	- -	2.9	2.08	6.76	51.8	9.43	2.81	13	5.87	8.17	5.96
Diluted Market Cap	- -	- -	23	21	13	8	24	34	111	121	144	199	132	184	171
Diluted Enterprise Value	-6	-2	30	33	18	6	17	26	93	84	69	180	96	163	150
EV per Share	- -	6.64	11.79	13.54	7.67	2.61	1.18	4.38	13.12	7.17	4.35	17.9	7.91	12.8	12.96
TTM Sales	3	4	4	4	4	4	7	6	11	17	28	35	38	38	40
TTM EBITDA	1	1	1	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1
TTM Operating Income	1	1	1	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	1	- -	- -	2	2	2	1	5	11	10	15	16	19
TTM Free Cash Flow to Firm	1	1	1	- -	- -	2	2	2	2	5	11	10	15	17	19

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2017	06/30/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	42.1	65.24	-449.48	3.85	13.89	17.42	68.38	22.44	13.06	19.51	8.61	11.01	8.89
EV/EBIT	- -	20.29	40.69	209.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6	-2	29	33	18	6	-20	-21	-27	-70	-112	133	90	136	115
Low Price	- -	- -	8.75	8.41	5.5	2.59	6.16	7	13.5	10.55	16.2	20.1	9.65	10.14	13.53
EV/Sales	- -	4.79	7.14	9.04	4.56	1.49	0.54	2.04	7.74	3	1.1	3.76	2.38	3.61	2.89
EV/EBITDA	- -	16.9	29.35	106.79	- -	24.22	15.01	61.7	210.58	73.18	30.24	127.34	85.59	135.85	141.15
Price/Earnings	- -	- -	52.94	231.55	- -	- -	36.03	369.52	44.89	15.79	15.16	18.89	9.65	15.65	12.6
Price/Earnings Average	- -	- -	52.84	237.5	-53.66	-3.54	30.67	280.03	39.56	14.19	14.1	16.51	12.29	12.25	11.15
Price/Earnings High	- -	- -	55.41	252.05	-62.84	-5.11	36.53	459.85	52.05	17.63	15.84	18.89	23.81	16.54	13.71
Price/Earnings Low	- -	- -	51.47	223.84	-39.5	-2.2	28.13	229.92	35.13	9.8	12.22	15.18	6.56	9.22	9.4
Price/Book Value	- -	- -	1.18	1.16	0.8	0.64	- -	- -	- -	- -	- -	1.9	0.81	0.94	0.87
Price/Book Value Average	- -	- -	1.17	1.19	1.09	0.73	- -	- -	- -	- -	- -	1.66	1.03	0.73	0.77
Price/Book Value High	- -	- -	1.23	1.26	1.27	1.06	- -	- -	- -	- -	- -	1.9	2	0.99	0.95
Price/Book Value Low	- -	- -	1.14	1.12	0.8	0.46	- -	- -	- -	- -	- -	1.53	0.55	0.55	0.65
Price/Tangible Book Value	- -	- -	1.18	1.16	1.09	0.65	- -	- -	- -	- -	- -	2.26	0.88	1.02	0.95
Price/Tangible Book Value Average	- -	- -	1.17	1.19	1.48	0.75	- -	- -	- -	- -	- -	1.97	1.12	0.8	0.84
Price/Tangible Book Value High	- -	- -	1.23	1.26	1.73	1.08	- -	- -	- -	- -	- -	2.26	2.17	1.07	1.04
Price/Tangible Book Value Low	- -	- -	1.14	1.12	1.09	0.47	- -	- -	- -	- -	- -	1.82	0.6	0.6	0.71
Price/Sales	- -	- -	5.79	5.79	3.25	1.98	3.61	5.25	10.17	7.11	5.11	5.62	3.5	4.87	4.29
Price/Sales Average	- -	- -	5.78	5.94	4.42	2.28	3.07	3.98	8.96	6.39	4.75	4.92	4.46	3.81	3.79
Price/Sales High	- -	- -	6.06	6.31	5.17	3.29	3.66	6.54	11.79	7.94	5.34	5.62	8.63	5.14	4.67
Price/Sales Low	- -	- -	5.63	5.6	3.25	1.42	2.82	3.27	7.96	4.41	4.12	4.52	2.38	2.87	3.2
Price/Cash Flow	- -	- -	42.1	65.24	-449.48	4.07	14.75	17.72	95.96	24.03	13.53	20.46	8.7	11.42	8.94
Price/Cash Flow Average	- -	- -	42.02	66.91	-610.62	4.7	12.56	13.43	84.55	21.59	12.59	17.88	11.09	8.94	7.91
Price/Cash Flow High	- -	- -	44.07	71.01	-715.09	6.78	14.96	22.05	111.25	26.83	14.13	20.46	21.48	12.07	9.72
Price/Cash Flow Low	- -	- -	40.93	63.06	-449.48	2.93	11.52	11.02	75.1	14.91	10.9	16.45	5.92	6.73	6.67
Price/Free Cash Flow Average	- -	- -	42.02	66.91	-610.62	4.45	11.82	13.2	60.25	20.16	12.15	17.05	10.98	8.61	7.86
Price/Free Cash Flow High	- -	- -	44.07	71.01	-715.09	6.42	14.08	21.67	79.28	25.05	13.64	19.51	21.26	11.63	9.67
Price/Free Cash Flow Low	- -	- -	40.93	63.06	-449.48	2.77	10.84	10.84	53.51	13.92	10.52	15.68	5.86	6.48	6.63
EV/Sales Average	- -	4.86	7.13	9.19	5.73	1.81	2	2.82	7.29	4.19	2.1	4.03	4.47	3.26	3.06
EV/Sales High	- -	6.54	7.39	9.56	6.49	2.86	2.58	5.37	10.12	5.74	2.68	4.69	9.57	4.59	3.88
EV/Sales Low	- -	5.32	6.99	8.85	4.56	0.91	1.74	2.1	6.29	2.21	1.46	3.66	1.94	2.32	2.5
EV/EBITDA Average	-7.26	-2.23	29.31	108.55	-75.03	29.43	-29.89	-35.22	-45.46	-53.64	-72.69	136.62	160.69	122.41	149.31
EV/EBITDA High	-7.26	-2.23	30.39	112.86	-84.98	46.53	-29.89	-35.22	-45.46	-53.64	-72.69	159.01	343.79	172.5	189.48
EV/EBITDA Low	-7.26	-2.23	28.73	104.5	-59.69	14.83	-29.89	-35.22	-45.46	-53.64	-72.69	124.16	69.66	87.06	121.86
EV/EBIT Average	-7.54	-2.68	40.63	212.95	-39.31	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-7.54	-2.68	42.14	221.41	-44.53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-7.54	-2.68	39.82	205.01	-31.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	9	8.7	5.5	3.6	7.89	11.25	17.25	17	20.1	25	14.18	17.22	18.14
High Price	- -	- -	9.42	9.47	8.75	6	8	14	20	18.98	21	25	35	18.19	19.74
Enterprise Value Average	-6	-2	29	33	23	8	-7	-7	-18	-37	-74	142	169	123	121
Enterprise Value High	-6	-2	30	35	26	12	-7	-7	-18	-37	-74	166	362	173	154
Enterprise Value Low	-6	-2	28	32	18	4	-7	-7	-18	-37	-74	130	73	87	99

Shares Outstanding	2	2	2	2	2	2	- -	- -	- -	- -	- -	7	11	11	9
Diluted Weighted Avg Shares	3	3	3	2	2	2	3	3	6	7	7	8	9	11	9
Basic Weighted Avg Shares	3	3	3	2	2	2	3	3	6	7	7	8	9	11	9
Revenue per Share	1.24	1.39	1.55	1.5	1.69	1.82	2.18	2.14	1.7	2.39	3.94	4.45	4.05	3.54	4.23
EBITDA per Share	0.34	0.39	0.38	0.13	-0.13	0.11	0.08	0.07	0.06	0.1	0.14	0.13	0.11	0.09	0.09
Operating Income per Share	0.32	0.33	0.27	0.06	-0.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.21	0.21	0.17	0.04	-0.14	-1.17	0.22	0.03	0.38	1.08	1.33	1.32	1.47	1.1	1.44
Basic EPS from Cont Ops	0.21	0.21	0.17	0.04	-0.14	-1.17	0.22	0.03	0.38	1.08	1.33	1.32	1.47	1.1	1.44
Diluted EPS, GAAP	0.21	0.21	0.17	0.04	-0.14	-1.17	0.22	0.03	0.38	1.07	1.32	1.32	1.47	1.1	1.43
Diluted EPS from Cont Ops	0.21	0.21	0.17	0.04	-0.14	-1.17	0.22	0.03	0.38	1.07	1.32	1.32	1.47	1.1	1.43
Dividend per Share	- -	- -	- -	0.07	0.08	0.07	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.27	0.36	0.21	0.13	-0.01	0.88	0.53	0.63	0.18	0.71	1.49	1.22	1.63	1.51	2.03
Free Cash Flow per Basic Share	0.27	0.36	0.21	0.13	-0.01	0.84	0.5	0.62	0.11	0.65	1.43	1.16	1.61	1.45	2
Cash & Equivalents per Share	2.56	3.01	3.18	0.72	0.98	1.36	- -	- -	- -	- -	- -	13.71	9.54	9.11	9.13
Book Value per Share	3.26	7.59	7.65	7.5	6.86	5.67	- -	- -	- -	- -	- -	13.18	17.5	18.36	20.76
Tangible Book Value per Share	3.26	7.59	7.65	7.5	5.05	5.55	- -	- -	- -	- -	- -	11.07	16.14	16.93	19.06

BV Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)