BV Financial (BV Financial) Cash-to-Debt : 2.27 (As of Mar. 2024)

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What is BV Financial Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. BV Financial's cash to debt ratio for the quarter that ended in Mar. 2024 was 2.27.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, BV Financial could pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

The historical rank and industry rank for BV Financial's Cash-to-Debt or its related term are showing as below:

BVFL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.87 Med: 1.5 Max: 2.27
Current: 2.27

During the past 8 years, BV Financial's highest Cash to Debt Ratio was 2.27. The lowest was 0.87. And the median was 1.50.

BVFL's Cash-to-Debt is ranked better than
65.24% of 1424 companies
in the Banks industry
Industry Median: 1.3 vs BVFL: 2.27

BV Financial Cash-to-Debt Historical Data

The historical data trend for BV Financial's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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BV Financial Cash-to-Debt Chart

BV Financial Annual Data

Trend

Jun04

Jun05

Jun06

Jun07

Jun08

Jun09

Dec22

Dec23

Cash-to-Debt

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0.13

0.31

3.71

1.40

1.98

BV Financial Quarterly Data
	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															0.87	1.48	1.53	1.98	2.27

Competitive Comparison of BV Financial's Cash-to-Debt

For the Banks - Regional subindustry, BV Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

BV Financial's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BV Financial's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where BV Financial's Cash-to-Debt falls into.

BV Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

BV Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	73.742	/	(0	+	37.251)
	=	1.98

BV Financial's Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	78.837	/	(0	+	34.767)
	=	2.27

BV Financial (NAS:BVFL) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

BV Financial Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of BV Financial's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

BV Financial (BV Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » BV Financial Inc (NAS:BVFL) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

7114 North Point Road, Baltimore, MD, USA, 21219

Website

https://www.bayvanguard.com

BV Financial Inc is a federally-chartered savings and loan holding company engaged in offering traditional financial services to consumers and businesses. It offers savings, interest checking, money market, personal and business checking, non-interest checking, education savings, small business checking, business checking as well as certificates of deposit and IRA certificates of deposit. The Company's sources of revenue are derived from interest and dividends earned on loans and investment securities.

Executives

Machteld V. Thomas	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Timothy L. Prindle	director, officer: Co-President, Co-CEO	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
David M. Flair	director, officer: Co-President, Co-CEO	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Rose M. Searcy	officer: EVP, Human Resources	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Gregory J. Olinde	officer: EVP and Chief Credit Officer	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Peter David Bramble	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
William Streett Baldwin	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Brian K Mchale	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Gary T. Amereihn	director, other: Chairman of the Board	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Joshua W. Posnick	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Crompton William B. Iii	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Joseph S Galli	director	3299 K STREET, NW SUITE 700, WASHINGTON DC 20007
Michael J Dee	officer: EVP and CFO	1301 MERRITT BLVD, DUNDALK MD 212222194
Frank W Dingle	director	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219
Jeffrey S Collier	officer: Sr. VP - Lending of Subsidiary	C/O BV FINANCIAL, INC., 7114 NORTH POINT ROAD, BALTIMORE MD 21219