BV Financial, Inc.

BVFL · Savings Institution, Federally Chartered · 8.7M shares · +16%/yr ↑ dilution · EDGAR filings ↗

Net buyback after stock comp: $16M (gross $18M, SBC $2M)

Reference price $19.80 · est. market cap ~$171M — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B70

BV Financial — Maryland thrift with high ROA.

Strengths

ROA 95th pct; well-capitalized post-conversion

Risks

Moderate ROE (72nd) — excess capital
Small scale; rate sensitivity

Notable findings

Auditor changeRecent 8-K item 4.01 8-K ↗
Exec changeRecent 8-K item 5.02 8-K ↗
Chronic dilutionShare count +16%/yr over 2y (dilution, book value/share -31%)
Insider sellingInsider selling — 93 open-market sale(s) by 1 insider(s) (~$1M, last 6mo) Form 4 ↗

Key metrics

Return on equity

7.3%

Return on assets

1.5%

Net-income growth

15.1%

Debt / equity

0.2×

Free cash flow

$19M

Tangible book value

$169M

Cash & investments

$56M

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-12	Galli Joseph S	Sell	2	$19.86
2026-06-12	Galli Joseph S	Sell	30	$19.84
2026-06-12	Galli Joseph S	Sell	100	$19.82
2026-06-12	Galli Joseph S	Sell	2.0K	$19.81
2026-06-12	Galli Joseph S	Sell	579	$19.80
2026-06-12	Galli Joseph S	Sell	291	$19.96
2026-06-12	Galli Joseph S	Sell	64	$19.88
2026-06-11	Galli Joseph S	Sell	8.1K	$19.84
2026-06-10	Galli Joseph S	Sell	1.1K	$19.87
2026-06-10	Galli Joseph S	Sell	44	$19.90
2026-06-10	Galli Joseph S	Sell	1.3K	$19.95
2026-06-10	Galli Joseph S	Sell	39	$19.98
2026-06-10	Galli Joseph S	Sell	18	$19.98
2026-06-10	Galli Joseph S	Sell	284	$19.76
2026-06-10	Galli Joseph S	Sell	1.2K	$19.75
2026-06-10	Galli Joseph S	Sell	24	$19.77
2026-06-10	Galli Joseph S	Sell	316	$19.77
2026-06-10	Galli Joseph S	Sell	242	$19.80
2026-06-10	Galli Joseph S	Sell	404	$19.85
2026-06-10	Galli Joseph S	Sell	36	$19.86
2026-06-09	Galli Joseph S	Sell	43	$19.70
2026-06-09	Galli Joseph S	Sell	1.8K	$19.70
2026-06-09	Galli Joseph S	Sell	10	$19.71
2026-06-09	Galli Joseph S	Sell	79	$19.72
2026-06-09	Galli Joseph S	Sell	438	$19.73
2026-06-09	Galli Joseph S	Sell	130	$19.74
2026-06-09	Galli Joseph S	Sell	10	$19.75
2026-06-09	Galli Joseph S	Sell	2	$19.76
2026-06-09	Galli Joseph S	Sell	266	$19.77
2026-06-09	Galli Joseph S	Sell	100	$19.77
2026-06-09	Galli Joseph S	Sell	2.2K	$19.80
2026-06-09	Galli Joseph S	Sell	7	$19.98
2026-06-08	Galli Joseph S	Sell	1	$19.93
2026-06-08	Galli Joseph S	Sell	4	$19.98
2026-06-08	Galli Joseph S	Sell	179	$19.90
2026-06-08	Galli Joseph S	Sell	1	$20.02
2026-06-05	Galli Joseph S	Sell	200	$19.85
2026-06-05	Galli Joseph S	Sell	100	$19.86
2026-06-05	Galli Joseph S	Sell	100	$19.87
2026-06-05	Galli Joseph S	Sell	100	$19.88
2026-06-05	Galli Joseph S	Sell	7	$20.00
2026-06-05	Galli Joseph S	Sell	1.3K	$20.01
2026-06-05	Galli Joseph S	Sell	111	$20.03
2026-06-05	Galli Joseph S	Sell	219	$20.04
2026-06-05	Galli Joseph S	Sell	100	$19.81
2026-06-05	Galli Joseph S	Sell	420	$19.82
2026-06-05	Galli Joseph S	Sell	400	$19.82
2026-06-05	Galli Joseph S	Sell	16	$19.83
2026-06-02	Galli Joseph S	Sell	114	$19.80
2026-05-28	Galli Joseph S	Sell	3.4K	$19.94
2026-05-27	Galli Joseph S	Sell	1.9K	$19.90
2026-05-27	Galli Joseph S	Sell	6	$19.91
2026-05-27	Galli Joseph S	Sell	100	$19.94
2026-05-26	Galli Joseph S	Sell	1.1K	$19.90
2026-05-11	Galli Joseph S	Sell	169	$20.00
2026-05-08	Galli Joseph S	Sell	2	$20.05
2026-05-08	Galli Joseph S	Sell	118	$20.03
2026-05-08	Galli Joseph S	Sell	9	$20.02
2026-05-08	Galli Joseph S	Sell	30	$20.01
2026-05-08	Galli Joseph S	Sell	5.0K	$20.00
2026-05-08	Galli Joseph S	Sell	1	$20.03
2026-05-08	Galli Joseph S	Sell	4.6K	$20.00
2026-05-08	Galli Joseph S	Sell	1	$20.09
2026-05-08	Galli Joseph S	Sell	11	$20.08
2026-05-08	Galli Joseph S	Sell	104	$20.07
2026-05-08	Galli Joseph S	Sell	6	$20.06
2026-05-08	Galli Joseph S	Sell	118	$20.04
2026-05-07	Galli Joseph S	Sell	4.6K	$20.00
2026-05-07	Galli Joseph S	Sell	30	$20.01
2026-05-07	Galli Joseph S	Sell	9	$20.02
2026-05-07	Galli Joseph S	Sell	118	$20.03
2026-05-07	Galli Joseph S	Sell	118	$20.04
2026-05-07	Galli Joseph S	Sell	2	$20.05
2026-05-07	Galli Joseph S	Sell	6	$20.06
2026-05-07	Galli Joseph S	Sell	104	$20.07
2026-05-07	Galli Joseph S	Sell	11	$20.08
2026-05-07	Galli Joseph S	Sell	1	$20.09
2026-04-28	Galli Joseph S	Sell	96	$20.12
2026-04-28	Galli Joseph S	Sell	4.6K	$20.11
2026-04-28	Galli Joseph S	Sell	126	$20.13
2026-04-28	Galli Joseph S	Sell	38	$20.15
2026-04-28	Galli Joseph S	Sell	5	$20.16
2026-04-28	Galli Joseph S	Sell	39	$20.16
2026-04-28	Galli Joseph S	Sell	1	$20.18
2026-04-28	Galli Joseph S	Sell	1.0K	$20.19
2026-04-28	Galli Joseph S	Sell	8	$20.20
2026-04-28	Galli Joseph S	Sell	8	$20.21
2026-04-28	Galli Joseph S	Sell	4	$20.23
2026-02-26	Galli Joseph S	Sell	72	$19.60
2026-02-26	Galli Joseph S	Sell	156	$19.61
2026-02-26	Galli Joseph S	Sell	245	$19.62
2026-02-26	Galli Joseph S	Sell	454	$19.64
2026-02-26	Galli Joseph S	Sell	573	$19.65
2025-12-17	Searcy Rose M.	Tax withheld	1.5K	$19.71
2025-12-17	Searcy Rose M.	Option exercise	5.2K	$5.65
2025-12-12	Flair David M.	Option exercise	21K	$5.65
2025-12-12	Flair David M.	Tax withheld	6.6K	$19.11
2025-12-12	DEE MICHAEL J	Option exercise	18K	$5.65
2025-12-12	DEE MICHAEL J	Tax withheld	5.7K	$19.11
2025-07-23	Galli Joseph S	Sell	15K	$16.17
2025-07-22	Galli Joseph S	Sell	200	$16.11
2025-07-22	Galli Joseph S	Sell	930	$16.11
2025-07-22	Galli Joseph S	Sell	100	$16.11
2025-07-22	Galli Joseph S	Sell	300	$16.09
2025-07-22	Galli Joseph S	Sell	5.0K	$16.07
2025-07-22	Galli Joseph S	Sell	100	$16.07
2025-07-22	Galli Joseph S	Sell	4.7K	$16.09
2025-07-22	Galli Joseph S	Sell	1.9K	$16.10
2025-07-07	Crompton William B. III	Gift	500	—
2025-06-02	Galli Joseph S	Sell	500	$15.75
2025-05-29	Amereihn Gary T.	Sell	1.7K	$15.65
2025-05-22	Galli Joseph S	Sell	2.4K	$15.80
2025-05-22	Galli Joseph S	Sell	150	$15.80
2025-05-22	Galli Joseph S	Sell	300	$15.81
2025-05-22	Galli Joseph S	Sell	150	$15.85
2025-05-21	Galli Joseph S	Sell	12	$15.82
2025-05-21	Galli Joseph S	Sell	807	$15.80
2025-05-21	Galli Joseph S	Sell	17	$15.84
2025-05-20	Galli Joseph S	Sell	2.0K	$15.80
2025-05-20	Galli Joseph S	Sell	36	$15.80
2025-05-20	Galli Joseph S	Sell	16	$15.85
2025-05-19	Galli Joseph S	Sell	100	$15.82
2025-05-19	Galli Joseph S	Sell	300	$15.83
2025-05-19	Galli Joseph S	Sell	253	$15.79
2025-05-19	Galli Joseph S	Sell	252	$15.81
2025-05-19	Galli Joseph S	Sell	100	$15.82
2025-05-13	Galli Joseph S	Sell	132	$15.84
2025-05-13	Galli Joseph S	Sell	172	$15.85
2025-05-13	Galli Joseph S	Sell	100	$15.86
2025-05-13	Galli Joseph S	Sell	61	$15.86
2025-05-13	Galli Joseph S	Sell	30	$15.90
2025-05-13	Galli Joseph S	Sell	59	$15.90
2025-05-12	Galli Joseph S	Sell	48	$15.87
2025-05-12	Galli Joseph S	Sell	396	$15.89
2025-05-12	Galli Joseph S	Sell	557	$15.90
2025-05-12	Galli Joseph S	Sell	130	$15.91
2025-05-12	Galli Joseph S	Sell	1.6K	$15.92
2025-05-12	Galli Joseph S	Sell	200	$15.93
2025-05-12	Galli Joseph S	Sell	100	$15.93
2025-05-12	Galli Joseph S	Sell	300	$15.94
2025-05-12	Galli Joseph S	Sell	110	$15.95
2025-05-08	Galli Joseph S	Sell	1.0K	$15.94
2025-05-05	Galli Joseph S	Sell	500	$15.93
2025-05-02	Galli Joseph S	Sell	12	$15.95
2025-05-02	Galli Joseph S	Sell	100	$15.91
2025-05-02	Galli Joseph S	Sell	100	$15.91
2025-05-02	Galli Joseph S	Sell	40	$15.97
2025-05-02	Galli Joseph S	Sell	198	$15.92
2025-05-02	Galli Joseph S	Sell	233	$15.94
2025-05-02	Galli Joseph S	Sell	342	$15.91
2025-05-02	Galli Joseph S	Sell	275	$15.90

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-06-01	Other	filing ↗
2026-05-08	Shareholder vote	filing ↗
2026-05-06	Other	filing ↗
2026-04-24	ResultsExhibits	filing ↗
2026-02-23	Auditor changeExhibits	filing ↗
2026-01-23	Exec/director changeExhibits	filing ↗
2026-01-23	ResultsExhibits	filing ↗
2025-10-20	ResultsExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-06-01	2026-06-01	0001193125-26-250363 ↗
10-Q	2026-05-11	2026-03-31	0001193125-26-216089 ↗
8-K	2026-05-08	2026-05-07	0001193125-26-214197 ↗
8-K	2026-05-06	2026-05-05	0001193125-26-209167 ↗
8-K	2026-04-24	2026-04-24	0001193125-26-177364 ↗
10-K	2026-03-27	2025-12-31	0001193125-26-128285 ↗
8-K	2026-02-23	2026-02-20	0001193125-26-064120 ↗
8-K	2026-01-23	2026-01-23	0001193125-26-020952 ↗
8-K	2026-01-23	2026-01-22	0000943374-26-000014 ↗
10-Q	2025-11-13	2025-09-30	0001193125-25-279386 ↗
8-K	2025-10-20	2025-10-17	0001193125-25-243407 ↗
10-Q	2025-08-13	2025-06-30	0000950170-25-107717 ↗