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BVFL (BV Financial) E10 : $0.59 (As of Sep. 2024)


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What is BV Financial E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

BV Financial's adjusted earnings per share data for the three months ended in Sep. 2024 was $0.350. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.59 for the trailing ten years ended in Sep. 2024.

During the past 12 months, BV Financial's average E10 Growth Rate was 20.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2025-03-15), BV Financial's current stock price is $15.11. BV Financial's E10 for the quarter that ended in Sep. 2024 was $0.59. BV Financial's Shiller PE Ratio of today is 25.61.

During the past 14 years, the highest Shiller PE Ratio of BV Financial was 51.09. The lowest was 19.28. And the median was 25.81.


BV Financial E10 Historical Data

The historical data trend for BV Financial's E10 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 E10 Chart

BV Financial Annual Data
Trend Jun08 Jun09 Jun17 Jun18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 0.51 -

BV Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
E10 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 0.51 0.53 0.57 0.59 -

Competitive Comparison of BV Financial's E10

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

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

* The bar in red indicates where BV Financial's Shiller PE Ratio falls into.



BV Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, BV Financial's adjusted earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.35/133.0289*133.0289
=0.350

Current CPI (Sep. 2024) = 133.0289.

BV Financial Quarterly Data

per share eps CPI Adj_EPS
200512 0.060 83.032 0.096
200603 0.030 84.298 0.047
200606 0.000 85.606 0.000
200609 0.010 85.606 0.016
200612 -0.010 85.142 -0.016
200703 0.010 86.640 0.015
200706 0.030 87.906 0.045
200709 0.010 87.964 0.015
200712 -0.020 88.616 -0.030
200803 -0.050 90.090 -0.074
200806 -0.080 92.320 -0.115
200809 0.110 92.307 0.159
200812 -0.040 88.697 -0.060
200903 -0.020 89.744 -0.030
200906 -1.220 91.003 -1.783
201706 0.000 103.349 0.000
201806 0.000 106.317 0.000
201903 0.070 107.251 0.087
201906 0.110 108.070 0.135
201909 0.110 108.329 0.135
201912 0.060 108.420 0.074
202003 0.090 108.902 0.110
202006 0.530 108.767 0.648
202009 0.200 109.815 0.242
202012 0.250 109.897 0.303
202103 0.380 111.754 0.452
202106 0.270 114.631 0.313
202109 0.310 115.734 0.356
202112 0.360 117.630 0.407
202203 0.330 121.301 0.362
202206 0.370 125.017 0.394
202209 0.330 125.227 0.351
202212 0.340 125.222 0.361
202303 0.390 127.348 0.407
202306 0.490 128.729 0.506
202309 0.350 129.860 0.359
202312 0.280 129.419 0.288
202403 0.240 131.776 0.242
202406 0.320 132.554 0.321
202409 0.350 133.029 0.350

Add all the adjusted EPS together and divide 10 will get our e10.


BV Financial  (NAS:BVFL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

BV Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=15.11/0.59
=25.61

* 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.

During the past 14 years, the highest Shiller P/E Ratio of BV Financial was 51.09. The lowest was 19.28. And the median was 25.81.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


BV Financial E10 Related Terms

Thank you for viewing the detailed overview of BV Financial's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


BV Financial Business Description

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. 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

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