Short answer
BV Financial, Inc. (BVFL) filed its Q3 2025 10-Q quarterly report on Nov 13, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $13M (up 3.1% year over year) with net income of $4M.
Q3 2025 key financials · XBRL
- Revenue
- $13M
- +3.1% YoY · +2.1% QoQ
- Net income
- $4M
- −1.8% YoY · +30.4% QoQ
- EPS (diluted)
- $0.38
- −2.6% YoY · +31.0% QoQ
Source: XBRL data from the BV Financial, Inc. (BVFL) Q3 2025 10-Q on SEC EDGAR. USD.
BV Financial, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly interest income $12.5M, up 3.1% YoY from $12.2M
- Net income $3.7M vs $3.8M YoY; diluted EPS $0.41 vs $0.35
- Net interest margin 4.40% vs 4.49% YoY; net interest income $9.4M vs $9.3M
- Loans strongest contributor: interest income $11.5M, up 9.5% YoY; cash interest income fell $559K
- Cash $63.5M, down $7.0M; $15.0M FHLB borrowing repayment and $17.7M stock repurchases
- Headwinds: higher deposit costs, inflation, interest-rate changes, credit losses, liquidity, and real-estate conditions
Risk Factors
- No material changes to risk factors from the December 31, 2024 Form 10-K
- Carried-forward regulatory and compliance risks unchanged from the 10-K
- Carried-forward operational and competitive risks unchanged from the 10-K
- Carried-forward liquidity, debt, currency, and concentration risks unchanged from the 10-K
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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