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BVFL (BV Financial) Cyclically Adjusted PB Ratio : 1.16 (As of May. 27, 2025)


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What is BV Financial Cyclically Adjusted PB Ratio?

As of today (2025-05-27), BV Financial's current share price is $15.40. BV Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $13.22. BV Financial's Cyclically Adjusted PB Ratio for today is 1.16.

The historical rank and industry rank for BV Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

BVFL' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.84   Med: 1.18   Max: 2.16
Current: 1.2

During the past years, BV Financial's highest Cyclically Adjusted PB Ratio was 2.16. The lowest was 0.84. And the median was 1.18.

BVFL's Cyclically Adjusted PB Ratio is ranked worse than
61.05% of 1281 companies
in the Banks industry
Industry Median: 1.01 vs BVFL: 1.20

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

BV Financial's adjusted book value per share data for the three months ended in Mar. 2025 was $18.697. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $13.22 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


BV Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for BV Financial's Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio Chart

BV Financial Annual Data
Trend Jun08 Jun09 Jun17 Jun18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 1.20 1.34

BV Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.85 0.96 1.21 1.34 1.15

Competitive Comparison of BV Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, BV Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BV Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where BV Financial's Cyclically Adjusted PB Ratio falls into.


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BV Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

BV Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=15.40/13.22
=1.16

* 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.

BV Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, BV Financial's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=18.697/134.9266*134.9266
=18.697

Current CPI (Mar. 2025) = 134.9266.

BV Financial Quarterly Data

Book Value per Share CPI Adj_Book
200606 6.603 85.606 10.407
200609 7.466 85.606 11.767
200612 12.339 85.142 19.554
200703 7.382 86.640 11.496
200706 8.315 87.906 12.763
200709 7.475 87.964 11.466
200712 7.177 88.616 10.928
200803 6.933 90.090 10.383
200806 6.726 92.320 9.830
200809 6.938 92.307 10.141
200812 6.912 88.697 10.515
200903 6.909 89.744 10.387
200906 5.668 91.003 8.404
201706 7.239 103.349 9.451
201806 7.231 106.317 9.177
201903 0.000 107.251 0.000
201906 0.000 108.070 0.000
201909 0.000 108.329 0.000
201912 7.851 108.420 9.770
202003 8.941 108.902 11.078
202006 10.002 108.767 12.408
202009 9.952 109.815 12.228
202012 10.559 109.897 12.964
202103 10.853 111.754 13.103
202106 10.898 114.631 12.827
202109 11.380 115.734 13.267
202112 11.523 117.630 13.217
202203 12.059 121.301 13.414
202206 12.364 125.017 13.344
202209 12.666 125.227 13.647
202212 13.176 125.222 14.197
202303 13.556 127.348 14.363
202306 14.062 128.729 14.739
202309 17.149 129.860 17.818
202312 17.499 129.419 18.244
202403 17.735 131.776 18.159
202406 18.043 132.554 18.366
202409 17.923 133.029 18.179
202412 18.365 133.157 18.609
202503 18.697 134.927 18.697

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


BV Financial  (NAS:BVFL) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


BV Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of BV Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


BV Financial Business Description

Industry
Traded in Other Exchanges
N/A
Address
7114 North Point Road, Baltimore, MD, USA, 21219
BV Financial Inc is a federally-chartered savings and loan holding company engaged in offering traditional financial services to consumers and businesses. The company offers savings, interest checking, money market, personal and business checking, non-interest checking, education savings, small business checking, and business checking and 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