BV Financial (BV Financial) Debt-to-Equity : 0.17 (As of Mar. 2024)

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What is BV Financial Debt-to-Equity?

BV Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $0.00 Mil. BV Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $34.77 Mil. BV Financial's Total Stockholders Equity for the quarter that ended in Mar. 2024 was $201.75 Mil. BV Financial's debt to equity for the quarter that ended in Mar. 2024 was 0.17.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

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

BVFL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.44 Max: 0.74
Current: 0.17

During the past 8 years, the highest Debt-to-Equity Ratio of BV Financial was 0.74. The lowest was 0.17. And the median was 0.44.

BVFL's Debt-to-Equity is ranked better than
84.09% of 1395 companies
in the Banks industry
Industry Median: 0.65 vs BVFL: 0.17

BV Financial Debt-to-Equity Historical Data

The historical data trend for BV Financial's Debt-to-Equity 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.

* Premium members only.

BV Financial Debt-to-Equity Chart

BV Financial Annual Data

Trend

Jun04

Jun05

Jun06

Jun07

Jun08

Jun09

Dec22

Dec23

Debt-to-Equity

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0.74

0.46

0.07

0.50

0.19

BV Financial Quarterly Data
	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.74	0.71	0.38	0.19	0.17

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

For the Banks - Regional subindustry, BV Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity Distribution in the Banks Industry

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

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

BV Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	37.251)	/	199.065
	=	0.19

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	34.767)	/	201.752
	=	0.17

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

BV Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of BV Financial's Debt-to-Equity 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 » Debt-to-Equity

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