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BV Financial
BV Financial (BVFL) investor relations material
BV Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income for 2025 was $13.5 million ($1.43 per diluted share), up from $11.7 million ($1.10 per diluted share) in 2024, with Q4 2025 net income at $4.8 million ($0.57 per diluted share), more than double Q4 2024's $2.0 million ($0.18 per diluted share).
Adjusted net income (non-GAAP) for 2025 was $16.3 million, up from $12.9 million in 2024; Q4 2025 adjusted net income was $5.6 million, up from $2.4 million in Q4 2024.
Announced executive leadership transition, with further details in a concurrent SEC filing.
Financial highlights
Return on average assets for 2025 was 1.48% (up from 1.32% in 2024); Q4 2025 was 2.09% (up from 0.88% in Q4 2024).
Return on average equity for 2025 was 7.01% (up from 5.77% in 2024); Q4 2025 was 10.45% (up from 3.83% in Q4 2024).
Net interest income for 2025 was $36.9 million (up from $35.2 million in 2024); Q4 2025 was $9.8 million (up from $9.0 million in Q4 2024).
Net interest margin for 2025 was 4.35% (up from 4.27% in 2024); Q4 2025 was 4.52% (up from 4.34% in Q4 2024).
Noninterest income for 2025 was $2.7 million (up from $2.5 million in 2024); Q4 2025 was $793,000 (up from $644,000 in Q4 2024).
Noninterest expense for 2025 was $23.2 million (up from $21.5 million in 2024); Q4 2025 was $5.4 million (down from $6.2 million in Q4 2024).
Outlook and guidance
Management highlighted forward-looking risks including economic conditions, interest rates, inflation, regulatory changes, competition, and cybersecurity threats.
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Latest events from BV Financial
- Shareholders will vote on director elections, a new equity plan, and auditor ratification.BVFL
Proxy Filing2 Dec 2025 - Annual meeting to elect directors, ratify auditor, and review governance, compensation, and ownership.BVFLProxy Filing2 Dec 2025
- Q3 2025 saw stable earnings, higher expenses, and major share repurchases under a new buyback plan.BVFLQ3 202513 Nov 2025
- Net income fell as noninterest income dropped and expenses rose, but asset quality and deposits improved.BVFLQ2 202417 Oct 2025
- Net income fell in Q2 2025 as higher expenses offset loan and deposit growth, but adjusted earnings rose.BVFLQ2 202513 Aug 2025
- Q3 net income steady at $3.8M; asset quality up, YTD earnings down without one-time gains.BVFLQ3 202413 Jun 2025
- Net income dropped, but loan and deposit growth and capital strength persisted.BVFLQ1 20256 Jun 2025
- Net income fell, but asset quality and adjusted earnings remained strong amid higher expenses.BVFLQ4 20245 Jun 2025
Next BV Financial earnings date
Q1 202617 Apr, 2026
BV Financial
Next BV Financial earnings date
Q1 202617 Apr, 2026
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