BV Financial IncBVFL
Price$20.98Intrinsic value$15.9924% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $15.99median of 2 methodsbased on filings through 30 Jun 2026
Market Price $20.98Price as of 30 Sep 2026
Margin of Safety -23.8%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: 2.1%/yr (balance of the path).2.7% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 62.3%Yr 72.5%Yr 82.7%Yr 92.8%Yr 103.0%
2.1% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Discount rate (cost of equity) 6.5%
Volatility vs market (adjusted beta)0.35

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetBV Financial IncBVFLFinancials
Valuation
P/E14.2×
P/S4.6×
P/B0.9×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin48.0%
Net margin32.1%
FCF margin45.3%
Returns
ROE7.1%
ROA1.5%
ROIC8.8%
Growth
Revenue growth (YoY)5.1%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.19×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield—

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.