)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next BV Financial earnings date
Q1 202617 Apr, 2026
BV Financial
Next BV Financial earnings date
Q1 202617 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage