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BV Financial (BVFL) investor relations material
BV Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.7 million ($0.41 per diluted share), down from $3.8 million ($0.35 per share) in Q3 2024; nine-month net income was $8.7 million ($0.88 per share) versus $9.8 million ($0.91 per share) in the prior year.
Adjusted net income (non-GAAP) for Q3 2025 was $4.4 million, up from $4.1 million in Q3 2024; nine-month adjusted net income was $11.1 million, up from $10.0 million year-over-year.
Total assets decreased by $2.4 million (0.27%) to $909.4 million at September 30, 2025, mainly due to repayment of FHLB borrowings, partially offset by loan growth.
Stockholders' equity declined by $5.3 million (2.7%) to $190.2 million, primarily due to $17.7 million in stock repurchases, offset by net income and reduced accumulated other comprehensive loss.
Stock repurchase program for up to 10% of outstanding shares was adopted and received regulatory non-objection.
Financial highlights
Loans receivable increased $8.3 million (1.1%) to $746.1 million; deposits rose $12.3 million (1.9%) to $663.8 million.
Net interest income for Q3 2025 was $9.4 million, up from $9.3 million in Q3 2024; net interest margin was 4.40% (down from 4.49%).
For the nine months, net interest income was $27.1 million (up from $26.2 million), with a net interest margin of 4.29% (up from 4.25%).
Noninterest income for Q3 2025 was $684,000, nearly flat year-over-year; noninterest expense rose to $5.9 million, mainly due to higher compensation from the equity incentive plan.
Allowance for credit losses on loans was $8.2 million (1.10% of loans), down from $8.5 million (1.15%) at year-end.
Outlook and guidance
Management expects sufficient liquidity to meet current funding commitments and anticipates retention of a significant portion of maturing time deposits.
Repurchase program may be suspended, terminated, or modified at any time based on market conditions, liquidity, and other factors.
The bank remains well capitalized and management is not aware of any conditions that would change this status.
Forward-looking statements highlight risks from economic, legislative, and regulatory changes, as well as operational and cybersecurity risks.
What was the YTD impact of stock repurchases on equity?
What factors drove the Q3 net interest margin decline?
Quantify the YTD impact of the 2024 equity plan.
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Next BV Financial earnings date
Q4 202528 Jan, 2026
Next BV Financial earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
BV Financial Inc. (BVFL), operating through its subsidiary BayVanguard Bank, offers a broad range of financial services to both individual and business clients primarily within Maryland. The company's service portfolio includes various account options such as checking, money market, savings accounts, and certificates of deposit. Beyond these banking solutions, BV Financial extends a diverse array of loan products encompassing real estate, home equity, construction, lot, auto, boat, and other personal loans. It also caters to commercial clients with products including commercial equipment/installation loans, commercial real estate loans, construction loans, investment real estate loans, lines of credit, and SBA loans, alongside offering loans for short-term real estate purchase, renovation, and sale projects. Additional services provided by the company encompass ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services, ensuring a comprehensive financial service offering. The company is headquartered in Baltimore, Maryland, and its shares are listed on the OTCMKTS.
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