BVFL (BV Financial) E10: $0.78 (As of Mar. 2026)


BVFL BV Financial Inc BVFL
69 GF Score
Price $21.83
GF Value $19.39
Valuation Modestly Overvalued
! 5 Warning Signs
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What is BV Financial E10?

BV Financial BVFL +0.97% 69 E10 is $0.78 as of Mar. 2026. GuruFocus rates BVFL with a GF Score™ of 69/100 and a GF Value™ of $19.39 (Modestly Overvalued). The stock has 5 warning signs investors should review.

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 Mar. 2026 was $0.130. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.78 for the trailing ten years ended in Mar. 2026.

During the past 12 months, BV Financial's average E10 Growth Rate was 23.80% 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 (2026-06-27), BV Financial's current stock price is $21.83. BV Financial's E10 for the quarter that ended in Mar. 2026 was $0.78. BV Financial's Shiller PE Ratio of today is 27.99.

During the past 13 years, the highest Shiller PE Ratio of BV Financial was 57.32. The lowest was 19.28. And the median was 25.20.


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
=21.83/0.78
=27.99

* 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 13 years, the highest Shiller P/E Ratio of BV Financial was 57.32. The lowest was 19.28. And the median was 25.20.


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


BV Financial E10 Historical Data

* Premium members only.

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.

BV Financial E10 Chart

BV Financial Annual Data
Trend Jun09 Jun17 Jun18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.51 0.60 0.75

BV Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.63 0.65 0.69 0.75 0.78

BVFL vs FGFH, BMBN, CSBB: E10 Comparison

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 Shiller PE Ratio vs 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.


BVFL
69GF Score
BV Financial Inc BVFL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.13/330.2130*330.2130
=0.130

Current CPI (Mar. 2026) = 330.2130.

BV Financial Quarterly Data

per share eps CPI Adj_EPS
200706 0.030 208.352 0.048
200709 0.010 208.490 0.016
200712 -0.020 210.036 -0.031
200803 -0.050 213.528 -0.077
200806 -0.080 218.815 -0.121
200809 0.110 218.783 0.166
200812 -0.040 210.228 -0.063
200903 -0.020 212.709 -0.031
200906 -1.220 215.693 -1.868
201706 0.000 244.955 0.000
201806 0.000 251.989 0.000
201903 0.070 254.202 0.091
201906 0.110 256.143 0.142
201909 0.110 256.759 0.141
201912 0.060 256.974 0.077
202003 0.090 258.115 0.115
202006 0.530 257.797 0.679
202009 0.200 260.280 0.254
202012 0.250 260.474 0.317
202103 0.380 264.877 0.474
202106 0.270 271.696 0.328
202109 0.310 274.310 0.373
202112 0.360 278.802 0.426
202203 0.330 287.504 0.379
202206 0.370 296.311 0.412
202209 0.330 296.808 0.367
202212 0.340 296.797 0.378
202303 0.390 301.836 0.427
202306 0.490 305.109 0.530
202309 0.350 307.789 0.375
202312 0.280 306.746 0.301
202403 0.240 312.332 0.254
202406 0.320 314.175 0.336
202409 0.350 315.301 0.367
202412 0.180 315.605 0.188
202503 0.210 319.799 0.217
202506 0.290 322.561 0.297
202509 0.410 324.800 0.417
202512 0.560 324.054 0.571
202603 0.130 330.213 0.130

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

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.78 mean?
BV Financial (BVFL) has a E10 of $0.78 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BV Financial and its competitors.
Is BV Financial's E10 too high?
BV Financial's current E10 is $0.78. Overall, BV Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BV Financial's E10 compare to FGFH and BMBN?
BV Financial's E10 of $0.78 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BV Financial and its competitors. BV Financial's current E10 is $0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BV Financial stock overvalued right now?
Based on GuruFocus' analysis, BV Financial (BVFL) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.39, compared to a current price of $21.83 — trading 12.6% above its estimated fair value. The current E10 is $0.78. BV Financial's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For BV Financial (BVFL), the current E10 is $0.78 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is BV Financial (BVFL) Overvalued in 2026?

Based on GuruFocus' analysis, BV Financial stock appears to be overvalued. The current stock price of $21.83 is trading 12.6% above its estimated GF Value™ of $19.39. GuruFocus considers BV Financial to be Modestly Overvalued.

Key valuation signals for BVFL:

  • E10: $0.78
  • GF Value™: $19.39 vs. price of $21.83 (12.6% above fair value)
  • GF Score™: 69/100 with 5 warning signs

No single metric tells the full story. See the BVFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BV Financial Business Description

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. It operates in one segment commercial banking. The company's sources of revenue are derived from interest and dividends earned on loans and investment securities.
69GF Score

Get the complete analysis for BVFL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.83
Price
$19.39
GF Value