BV Financial (BVFL)
Provides community-oriented retail banking through BayVanguard Bank in Maryland.
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A holding company for BayVanguard Bank, it provides deposits, lending and related retail banking services in Maryland. The community-bank franchise operates through a Baltimore-area and Eastern Shore branch network and is concentrated in its sole bank subsidiary.
Operating through BayVanguard Bank, the holding company provides community-oriented retail banking from Baltimore and Maryland's Eastern Shore. Its core franchise combines deposits, lending and related banking services through a main office and 12 branches.
Bank combinations expanded its Maryland footprint over time, while the Bank continues to serve Baltimore City and several Maryland counties. The institution traces its roots to 1873, though BVFL became a fully public Nasdaq-listed company following its 2023 mutual-to-stock conversion.
The business is concentrated in Maryland and depends on BayVanguard Bank as its only operating subsidiary.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $40.9M · Total debt $633.0K · Total assets $878.0M · Shareholders' equity $183.2M
- Revenue
- $12.7M
- Operating income
- $4.7M
- Net income
- $3.5M
No dividends on record.
| Institutions67 holders · as of Mar 31, 2026 | 38.81% | 3.36M shares | |
| Insiders11 holders · as of Dec 18, 2025 | 8.06% | 697.8K shares | |
| Otherremainder | 53.13% | 4.60M shares |
8.66M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BayVanguard Bank Employee Stock Ownership Plan TrustInstitution | 9.86% | 853,899 | 13Gfiled Feb 11, 2026 ↗ |
AllianceBernstein L.P.Institution | 9.65% | 835,165 | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 6.55% | 567,345 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.29% | 371,457 | 13Fas of Mar 31, 2026 |
Timothy L. PrindleInsiderdirector, officer: Co-President, Co-CEO | 3.15% | 272,528 | Form 4filed Sep 19, 2024 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 12, 2026 | Joseph S. Galli | director | −3,080 | $19.82 |
| Jun 11, 2026 | Joseph S. Galli | director | −8,122 | $19.84 |
| Jun 10, 2026 | Joseph S. Galli | director | −5,000 | $19.85 |
| Jun 9, 2026 | Joseph S. Galli | director | −5,113 | $19.75 |
| Jun 8, 2026 | Joseph S. Galli | director | −185 | $19.90 |
- M&T Bank
Large Maryland branch-and-ATM network across core banking services
- PNC Financial Services Group
Baltimore-area branches offering deposits and consumer and business banking
- Truist Financial
Maryland's third-ranked deposit franchise with 138 branches
- F.N.B.
Maryland community-banking network through First National Bank
- Shore Bancshares
Eastern Shore community-banking franchise with 40 full-service branches
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BV Financial | $21.70 | +0.56% | $186.6M | 14.6 | — | 3.6 | −2.4% |
| M&T Bank | $235.48 | +0.01% | $34.13B | 12.4 | 11.8 | 2.7 | +5.7% |
| PNC Financial Services Group | $241.57 | −0.38% | $96.74B | 13.3 | 11.9 | 2.8 | +21.4% |
| Truist Financial | $50.99 | +0.37% | $63.30B | 12.0 | 10.7 | 2.1 | +6.5% |
| F.N.B. | $18.45 | +0.89% | $6.51B | 10.9 | 10.3 | 2.4 | +5.6% |
| Shore Bancshares | $23.10 | −0.04% | $773.2M | 11.7 | 10.5 | 2.2 | +9.2% |
| Median | 12.0 | 10.7 | 2.4 | +6.5% |