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 (%)	- -	6.83	5.02	1.02	-3.87	-40.49	7.17	0.7	7.05	12.55	13.6	13.25	15.02	11.3	11.6
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 (%)	- -	6.83	5.02	-0.81	-6.05	-43.03	7.17	0.7	7.05	12.55	13.6	13.25	15.02	11.3	11.6

Credit (USD)

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	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	8.13	7.24	6.59	6.64	4.97	3.41	7.56	7.81	19.4	7.94	9.1	10.02	11.06	12.02	13.49
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 (%)	- -	36.97	61.8	60.29	47.91	- -	19.11	18.69	4.76	43.27	33.18	36.67	27.57	31.28	22.14
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 (%)	- -	36.97	61.8	60.29	47.91	14.36	19.11	18.69	9.51	45.78	33.18	36.67	27.57	31.28	22.14
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 (%)	-359.58	-37.34	43.06	56.93	38.79	-83.39	-118.69	-133.68	-54.65	-136.33	36,631.53	-30.14	-59.44	-23.17	-20.23
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)

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	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	8.13	7.24	6.59	6.64	4.97	3.41	7.56	7.81	19.4	7.94	9.1	10.02	11.06	12.02	13.49
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 (%)	- -	36.97	61.8	60.29	47.91	- -	19.11	18.69	4.76	43.27	33.18	36.67	27.57	31.28	22.14
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 (%)	- -	36.97	61.8	60.29	47.91	14.36	19.11	18.69	9.51	45.78	33.18	36.67	27.57	31.28	22.14
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	0.26	0.23	0.14	0.11	0.24	0.29	0.6	0.23	0.28	0.35	0.32	0.37	0.38

Working Capital (USD)

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	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)

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	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	- -	- -	23	21	13	8	24	34	111	121	143	199	132	184	170
- 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	30	33	18	6	4	13	84	51	31	146	61	136	124
Total Capital	8	14	23	22	16	6	16	16	63	119	111	134	135	159	158
Total Debt/Capital (%)	- -	36.97	61.8	60.29	47.91	14.36	19.11	18.69	9.51	45.78	33.18	36.67	27.57	31.28	22.14
Total Debt / EV	- -	-2.16	0.48	0.41	0.41	0.15	0.87	0.23	0.07	1.07	1.19	0.34	0.61	0.37	0.28
EV/Sales	- -	4.79	7.48	9.03	4.54	1.41	0.54	2.04	7.74	3	1.1	4.13	1.61	3.62	3.13
EV/EBITDA	- -	16.9	30.76	106.58	- -	22.9	15.01	61.7	210.58	73.18	30.24	140.08	57.94	136.06	152.72
EV/EBIT	- -	20.29	42.64	209.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	18.34	54.38	101.63	- -	2.9	2.21	6.89	72.98	10.14	2.92	15.04	4.01	8.5	6.53
EV/Free Cash Flow to Firm	- -	18.34	54.38	101.63	- -	2.74	2.08	6.76	51.8	9.43	2.81	14.3	3.97	8.18	6.45
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	11.62	13.55	7.68	2.56	1.18	4.38	13.12	7.17	4.35	18.38	6.54	12.8	13.25
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)

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	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	42.64	209.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6	-2	30	33	18	6	4	13	84	51	31	146	61	136	124
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	7.48	9.03	4.54	1.41	0.54	2.04	7.74	3	1.1	4.13	1.61	3.62	3.13
EV/EBITDA	- -	16.9	30.76	106.58	- -	22.9	15.01	61.7	210.58	73.18	30.24	140.08	57.94	136.06	152.72
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	- -	- -	2.59	2.37	1.6	1.58	1.82	2.58	1.95	1.87	1.93	2.35	1.35	1.67	1.38
Price/Book Value Average	- -	- -	2.59	2.43	2.17	1.83	1.55	1.95	1.71	1.68	1.8	2.05	1.72	1.31	1.22
Price/Book Value High	- -	- -	2.71	2.58	2.54	2.63	1.84	3.21	2.26	2.08	2.02	2.35	3.33	1.77	1.5
Price/Book Value Low	- -	- -	2.52	2.29	1.6	1.14	1.42	1.6	1.52	1.16	1.56	1.89	0.92	0.99	1.03
Price/Tangible Book Value	- -	- -	1.25	1.16	1.08	0.62	1.1	1.56	1.74	2.02	2.11	2.42	0.72	1.02	1.01
Price/Tangible Book Value Average	- -	- -	1.25	1.19	1.47	0.72	0.93	1.18	1.54	1.82	1.97	2.12	0.92	0.8	0.89
Price/Tangible Book Value High	- -	- -	1.31	1.26	1.73	1.04	1.11	1.95	2.02	2.26	2.21	2.42	1.78	1.08	1.1
Price/Tangible Book Value Low	- -	- -	1.22	1.12	1.08	0.45	0.86	0.97	1.36	1.25	1.7	1.95	0.49	0.6	0.75
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	7.47	9.17	5.71	1.71	2	2.82	7.29	4.19	2.1	4.36	3.49	3.26	3.27
EV/Sales High	- -	6.54	7.75	9.54	6.46	2.72	2.58	5.37	10.12	5.74	2.68	5.07	7.67	4.59	4.14
EV/Sales Low	- -	5.32	7.32	8.83	4.54	0.85	1.74	2.1	6.29	2.21	1.46	3.97	1.42	2.32	2.68
EV/EBITDA Average	-7.26	-2.23	30.71	108.33	-74.75	27.91	55.33	84.99	198.48	102.19	57.48	147.75	125.46	122.57	159.55
EV/EBITDA High	-7.26	-2.23	31.87	112.63	-84.66	44.34	71.63	162.17	275.54	140.03	73.45	171.75	275.54	172.72	202.08
EV/EBITDA Low	-7.26	-2.23	30.1	104.3	-59.48	13.88	48.28	63.48	171.21	54.01	40.04	134.4	50.85	87.19	130.49
EV/EBIT Average	-7.54	-2.68	42.58	212.53	-39.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-7.54	-2.68	44.18	220.96	-44.36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-7.54	-2.68	41.72	204.61	-31.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	30	33	23	7	13	18	80	71	59	154	132	123	130
Enterprise Value High	-6	-2	31	35	26	11	17	34	110	97	75	179	290	173	164
Enterprise Value Low	-6	-2	29	32	18	4	11	13	69	38	41	140	53	87	106

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	2.44	2.77	2.99	0.72	0.98	1.42	7.73	7.88	5.06	17.52	20.93	12.79	11.64	9.1	8.63
Book Value per Share	3.11	3.22	3.47	3.67	3.44	2.28	4.34	4.37	8.87	9.11	10.42	10.65	10.5	10.28	13.13
Tangible Book Value per Share	3.11	6.97	7.19	7.52	5.07	5.78	7.2	7.2	9.89	8.41	9.51	10.33	19.69	16.91	18

BV Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)