BVFL
BV Financial, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
21.42
▼ 0.21 (0.97%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
21.31
Prev close
21.63
Day high
21.74
Day low
21.31
Volume
17.50K
Market cap
$181.44M
P/E (TTM)
14.47
52W range
14.60 – 22.17
Day trading desk
Gap from prior close
-1.48%
Prior close 21.63
VWAP
21.55
-0.60% from price
Relative volume
0.78×
Normal
Session range
2.02%
21.31 – 21.74
Position in range
26%
Near session low
ATR (14D)
0.51
2.39% of price
Prior day high
21.73
PDH
Prior day low
21.39
PDL
Bid / ask spread
—
Quote not published
Session volume
16.01K
Avg 20.45K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.04%
+2.4%
1M
+3.58%
-0.2%
3M
+8.79%
+5.7%
6M
+10.19%
-0.9%
YTD
+18.08%
+5.8%
1Y
+29.98%
+10.0%
3Y
+120.60%
+46.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on BVFL open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
2.06M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 12, 26 | GALLI JOSEPH S Director |
SELL | 11.20K | $222.20K | Indirect |
| Jun 10, 26 | GALLI JOSEPH S Director |
SELL | 5.00K | $99.23K | Indirect |
| Jun 9, 26 | GALLI JOSEPH S Director |
SELL | 5.30K | $104.67K | Indirect |
| Jun 5, 26 | GALLI JOSEPH S Director |
SELL | 3.06K | $60.99K | Indirect |
| Jun 2, 26 | GALLI JOSEPH S Director |
SELL | 114 | $2.26K | Indirect |
| May 28, 26 | GALLI JOSEPH S Director |
SELL | 3.40K | $67.88K | Indirect |
| May 27, 26 | GALLI JOSEPH S Director |
SELL | 2.03K | $40.34K | Indirect |
| May 26, 26 | GALLI JOSEPH S Director |
SELL | 1.07K | $21.23K | Indirect |
| May 11, 26 | GALLI JOSEPH S Director |
SELL | 169 | $3.38K | Indirect |
| May 8, 26 | GALLI JOSEPH S Director |
SELL | 5.00K | $100.02K | Indirect |
| May 8, 26 | GALLI JOSEPH S Director |
SELL | 5.00K | $100.00K | Indirect |
| May 7, 26 | GALLI JOSEPH S Director |
SELL | 5.00K | $100.02K | Indirect |
| Apr 28, 26 | GALLI JOSEPH S Director |
SELL | 6.00K | $120.75K | Indirect |
| Feb 26, 26 | GALLI JOSEPH S Director |
SELL | 1.50K | $29.45K | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AMEREIHN GARY T. |
Chairman of the Board | 62.98K | Sale |
BALDWIN WILLIAM STREETT |
Director | 72.65K | Stock Award(Grant) |
BRAMBLE PETER DAVID |
Director | 27.63K | Stock Award(Grant) |
CROMPTON WILLIAM B. III |
Director | — | Stock Gift |
DEE MICHAEL J |
Chief Financial Officer | 91.71K | Conversion of Exercise of derivative security |
FLAIR DAVID M. |
Chief Executive Officer | 213.88K | Conversion of Exercise of derivative security |
GALLI JOSEPH S |
Director | — | Sale |
MCHALE BRIAN K |
Director | 38.42K | Stock Award(Grant) |
PRINDLE TIMOTHY L. |
Chief Executive Officer | 368.68K | Stock Award(Grant) |
THOMAS MACHTELD V. |
Director | 49.60K | Stock Award(Grant) |
Fundamentals
Market cap$181.44M
Enterprise value$103.37M
Revenue (TTM)$43.35M
Gross profit$43.35M
EBITDA—
Net income$13.09M
EPS (TTM)$1.48
Free cash flow—
Total cash$68.90M
Total debt$633.00K
Book value / share$22.86
Shares outstanding8.47M
Float6.71M
Short % of float1.46%
Dividend yield—
Beta (5Y)0.06
Valuation & profitability ratios
Trailing P/E14.47
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.94
EV / revenue2.38
EV / EBITDA—
Gross margin0.00%
Operating margin47.58%
Profit margin30.19%
Return on equity6.87%
Return on assets1.47%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $39.66M | $37.70M | $37.80M | $35.34M | — | +5.2% |
| Operating revenue | $39.66M | $37.70M | $37.80M | $35.34M | — | +5.2% |
| Selling, general & admin | $16.60M | $14.35M | $12.64M | $10.37M | — | +15.7% |
| Total operating expense | — | — | $19.41M | $19.99M | $14.45M | — |
| Pre-tax income | $18.86M | $16.41M | $18.62M | $14.55M | — | +15.0% |
| Tax provision | $5.37M | $4.68M | $4.92M | $4.03M | — | +14.6% |
| Net income | $13.49M | $11.72M | $13.71M | $10.52M | — | +15.1% |
| Net income to common | $13.49M | $11.72M | $13.71M | $10.52M | — | +15.1% |
| Basic EPS | 1.44 | 1.10 | 1.47 | 1.32 | — | +30.9% |
| Diluted EPS | 1.43 | 1.10 | 1.47 | 1.32 | — | +30.0% |
| Basic shares | 9.37M | 10.66M | 9.32M | 7.95M | — | -12.1% |
| Diluted shares | 9.44M | 10.66M | 9.32M | 7.97M | — | -11.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $55.70M | $70.50M | $73.74M | $68.65M | — | -21.0% |
| Accounts receivable | $3.15M | $3.16M | $3.28M | $2.95M | — | -0.4% |
| Property, plant & equipment | $12.49M | $13.22M | $14.25M | $15.18M | — | -5.5% |
| Goodwill & intangibles | $15.07M | $15.25M | $15.43M | $15.62M | — | -1.2% |
| Total assets | $912.21M | $911.82M | $885.25M | $844.96M | — | +0.0% |
| Current debt | — | — | — | — | $0 | — |
| Long-term debt | $35.00M | $49.88M | $37.25M | $49.04M | — | -29.8% |
| Total debt | $35.00M | $49.88M | $37.25M | $49.04M | — | -29.8% |
| Total liabilities | $728.41M | $716.32M | $686.19M | $747.21M | — | +1.7% |
| Retained earnings | $122.99M | $109.50M | $97.77M | $84.61M | — | +12.3% |
| Shareholder equity | $183.80M | $195.50M | $199.06M | $97.75M | — | -6.0% |
| Net tangible assets | $168.73M | $180.25M | $183.63M | $82.14M | — | -6.4% |
| Shares issued | 8.85M | 10.65M | 11.38M | 7.42M | — | -16.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $13.49M | $11.72M | $13.71M | $10.52M | +15.1% |
| Depreciation & amortisation | $813.00K | $1.00M | $1.05M | $1.04M | -18.9% |
| Stock-based compensation | $4.34M | $2.08M | $868.00K | $258.00K | +108.9% |
| Change in working capital | $1.77M | $829.00K | $1.14M | $158.00K | +113.1% |
| Operating cash flow | $19.02M | $16.06M | $15.19M | $9.71M | +18.4% |
| Capital expenditure | -$237.00K | -$611.00K | -$155.00K | -$502.00K | +61.2% |
| Investing cash flow | -$13.29M | -$32.50M | -$35.17M | -$27.76M | +59.1% |
| Share buybacks | -$30.02M | -$17.70M | $0 | — | -69.6% |
| Financing cash flow | -$20.53M | $13.19M | $25.07M | -$24.49M | -255.6% |
| Free cash flow | $18.79M | $15.45M | $15.04M | $9.21M | +21.6% |
| End cash position | $55.70M | $70.50M | $73.74M | $68.65M | -21.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $9.64M | $10.57M | $10.04M | $9.87M | $9.17M | — |
| Operating revenue | — | $9.64M | $10.57M | $10.04M | $9.87M | $9.17M | — |
| Selling, general & admin | — | $5.88M | $3.74M | $4.15M | $4.11M | $4.61M | — |
| Pre-tax income | — | $2.05M | $7.06M | $5.17M | $3.94M | $2.70M | — |
| Tax provision | — | $961.00K | $2.25M | $1.44M | $1.08M | $599.00K | — |
| Net income | — | $1.09M | $4.80M | $3.73M | $2.86M | $2.10M | — |
| Net income to common | — | $1.09M | $4.80M | $3.73M | $2.86M | $2.10M | — |
| Basic EPS | 0.43 | 0.13 | 0.57 | 0.41 | 0.29 | — | +230.8% |
| Diluted EPS | 0.42 | 0.13 | 0.56 | 0.41 | 0.29 | — | +223.1% |
| Basic shares | 8.01M | 8.39M | 8.43M | 9.08M | 9.86M | — | -4.5% |
| Diluted shares | 8.24M | 8.39M | 8.58M | 9.08M | 9.86M | — | -1.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $74.58M | $55.70M | $63.55M | $56.32M | $70.82M | +33.9% |
| Accounts receivable | $2.99M | $3.15M | $3.05M | $3.24M | $3.12M | -5.0% |
| Property, plant & equipment | $12.31M | $12.49M | $12.69M | $13.18M | $13.24M | -1.5% |
| Goodwill & intangibles | $15.03M | $15.07M | $15.12M | $15.16M | $15.21M | -0.3% |
| Total assets | $910.86M | $912.21M | $909.39M | $908.33M | $921.94M | -0.1% |
| Long-term debt | $35.00M | $35.00M | $35.00M | $34.96M | $49.92M | 0.0% |
| Total debt | $35.00M | $35.00M | $35.00M | $34.96M | $49.92M | 0.0% |
| Total liabilities | $727.22M | $728.41M | $719.18M | $710.34M | $723.87M | -0.2% |
| Retained earnings | $124.08M | $122.99M | $118.19M | $114.45M | $111.59M | +0.9% |
| Shareholder equity | $183.64M | $183.80M | $190.21M | $197.99M | $198.07M | -0.1% |
| Net tangible assets | $168.61M | $168.73M | $175.09M | $182.83M | $182.87M | -0.1% |
| Shares issued | 8.75M | 8.85M | 9.54M | 10.32M | 10.59M | -1.2% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $1.09M | $4.80M | $3.73M | $2.86M | $2.10M | — | -77.3% |
| Depreciation & amortisation | $238.00K | $74.00K | $251.00K | $245.00K | $243.00K | — | +221.6% |
| Stock-based compensation | $740.00K | $722.00K | $1.09M | $1.27M | $1.26M | — | +2.5% |
| Change in working capital | $1.61M | -$1.94M | $4.00M | -$1.69M | $1.39M | — | +183.2% |
| Operating cash flow | $3.69M | $3.44M | $8.44M | $2.34M | $4.81M | — | +7.2% |
| Capital expenditure | -$7.00K | — | -$13.00K | -$139.00K | -$217.00K | -$17.00K | — |
| Investing cash flow | $19.73M | -$9.02M | $6.25M | -$519.00K | -$10.00M | — | +318.7% |
| Share buybacks | -$1.96M | -$12.00M | -$12.76M | -$4.28M | -$981.00K | — | +83.7% |
| Financing cash flow | -$4.54M | -$2.26M | -$7.46M | -$16.32M | $5.51M | — | -100.9% |
| Free cash flow | $3.68M | $3.57M | $8.42M | $2.20M | $4.59M | — | +3.1% |
| End cash position | $74.58M | $55.70M | $63.55M | $56.32M | $70.82M | — | +33.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2010 | — | -0.05 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders25.66%
Held by institutions38.49%
Institutions holding107
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
21.40
+0.08% from price
SMA 20
21.29
+0.63% from price
SMA 50
21.11
+1.48% from price
SMA 100
20.44
+4.78% from price
SMA 200
19.52
+9.72% from price
EMA 12
21.42
+0.02% from price
EMA 26
21.27
+0.71% from price
EMA 50
21.01
+1.93% from price
RSI (14)
52.4
Neutral
MACD (12,26,9)
0.15
Hist 0.02
ATR (14)
0.51
2.39% of price
Realised vol 30D
29.9%
Annualised
Bollinger upper
21.93
20, 2σ
Bollinger lower
20.64
20, 2σ
50 / 200 cross
Golden
21.11 vs 19.52
Trend bias
Above 200
+9.72%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.26
Less volatile than market
Correlation to SPY
0.13
Largely independent
Realised vol 30D
29.9%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-13.4%
Peak to trough
Max drawdown 5Y
-57.6%
Peak to trough
ATR 14
0.51
2.39% of price
Beta (reported)
0.06
5Y monthly, from filing
Short interest
Shares short
106.88K
Prior 103.42K
Change vs prior
+3.4%
Shorts adding
% of float
1.46%
Normal
% of shares out
1.23%
Against total outstanding
Days to cover
7.4
Crowded exit
Float
6.71M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
SEC filings
Periodic Financial Reports
10-Q · 2026-08-12
Corporate Changes & Voting Matters
8-K · 2026-07-24
Annual report of employee stock purchase
11-K · 2026-07-07
Notice under Rule 12b25 of inability to timely file all or part of a form 11-K
NT 11-K · 2026-06-30
Corporate Changes & Voting Matters
8-K · 2026-06-01
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-06
Headlines
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