<span item_type="fundamental" item_id="a4ee863a5f443145ce5efef1445e8cd8" counter_id="ST/US/BVFL" env="prod"></span><span item_type="announcement" item_id="608156443951175297" env="prod"></span><p>Revenue: As of FY2025, the actual value is USD 52.43 M.</p><p>EPS: As of FY2025, the actual value is USD 1.43.</p><p>EBIT: As of FY2025, the actual value is USD -18.04 M.</p><p></p><h3>Operational Metrics</h3><h4>Net Income</h4><p>BV Financial, Inc. reported net income of $13.5 million for the year ended December 31, 2025, compared to $11.7 million for the year ended December 31, 2024, representing an increase of $1.8 million or 15.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> Net income for the quarter ended December 31, 2025, was $4.8 million, up from $2.0 million for the same quarter in 2024, an increase of $2.8 million or 140%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Adjusted Net Income (Non-GAAP)</h4><p>Adjusted net income was $16.3 million for the year ended December 31, 2025, an increase from $12.9 million for the year ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> For the quarter ended December 31, 2025, adjusted net income was $5.6 million, compared to $2.4 million for the quarter ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Net Interest Income</h4><p>Net interest income for the year ended December 31, 2025, was $36.9 million, an increase from $35.2 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> For the three months ended December 31, 2025, net interest income was $9.8 million, up from $9.0 million in the prior year’s comparable quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Net Interest Margin</h4><p>The net interest margin for the year ended December 31, 2025, was 4.35%, an increase from 4.27% for the year ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> For the three months ended December 31, 2025, the net interest margin was 4.52%, compared to 4.34% for the three months ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Noninterest Income</h4><p>Total noninterest income for the year ended December 31, 2025, was $2.7 million, compared to $2.5 million for the year ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> For the three months ended December 31, 2025, noninterest income totaled $793,000, up from $644,000 in the prior year’s comparable quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Noninterest Expense</h4><p>Noninterest expense for the year ended December 31, 2025, totaled $23.2 million, compared to $21.5 million in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> For the three months ended December 31, 2025, noninterest expense was $5.4 million, a decrease from $6.2 million for the three months ended December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Provision for Credit Losses</h4><p>BV Financial, Inc. recorded a recovery of the provision for credit losses of $2.4 million for the year ended December 31, 2025, and a recovery of $1.9 million for the quarter ended December 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h3>Balance Sheet Metrics</h3><h4>Total Assets</h4><p>Total assets were $912.2 million at December 31, 2025, an increase of $392,000 from $911.8 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Net Loans Receivable</h4><p>Net loans receivable increased by $19.2 million, or 2.6%, to $748.5 million at December 31, 2025, from $729.2 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Deposits</h4><p>Total deposits increased by $24.6 million, or 3.8%, to $676.1 million at December 31, 2025, from $651.5 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Stockholders’ Equity</h4><p>Stockholders’ equity decreased by $11.7 million, or 6.0%, to $183.8 million at December 31, 2025, primarily due to $29.8 million in stock repurchases, partially offset by $13.5 million of net income and $4.6 million in other adjustments.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Non-Performing Assets</h4><p>Non-performing assets totaled $2.3 million at December 31, 2025, a decrease from $4.2 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h4>Allowance for Credit Losses (ACL) on Loans</h4><p>The ACL on loans was $6.4 million, representing 0.85% of total loans and 284.72% of non-performing loans, at December 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> This compares to $8.5 million, or 1.15% of total loans and 212.51% of non-performing loans, at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h3>Other Key Metrics</h3><h4>Share Repurchases</h4><p>During the year ended December 31, 2025, BV Financial, Inc. repurchased 1,823,997 shares of common stock at an average price of $16.23.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p><h3>Outlook / Guidance</h3><p>The press release may contain certain forward-looking statements based on management’s current expectations regarding economic, legislative, and regulatory issues that could impact the Company’s future earnings.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span> Factors that might cause future results to vary materially include general economic conditions, changes in interest rates, increased competitive pressures, and the effects of inflation and potential recessionary conditions.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1302387/000119312526020952/bvfl-ex99_1.htm"></span></p>

BV Financial | 8-K: FY2025 Revenue: USD 52.43 M