BV Financial, Inc. (BVFL)
Banks - Regional · Financial Services · $178M
Intrinsic Value (Consensus)
$22.83
Current Price
$20.36
Margin of Safety
+12.1%
12.1% Below Intrinsic Value
Value: $23
Price: $20
Valuation Model Estimates
Current Price: $20.36
DCF (Discounted Cash Flow)
$100.68
Graham Number
$26.00
Earnings Power Value
$13.88
Relative Value (P/E)
$28.60
Dividend Discount Model
Not applicable
—
Consensus Value
$22.83
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
65
Profitability
15/25
Strength
25/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (10.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.43
- EPS (Forward)
- $1.72
- Book Value
- $21.00
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 7.3%
- Debt/Equity
- 19%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 0.10
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Data last updated: 2026-06-21
Source: Yahoo Finance