BV FinancialBVFL +0.97%70 FCF Margin % is 38.18% as of Mar. 2026, which is 17% above its 10-year median of 32.69. GuruFocus rates BVFL with a GF Score™ of 70/100 and a GF Value™ of $19.39 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, BV Financial ranks better than 71.69% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. BV Financial's Free Cash Flow for the
three
months ended in Mar. 2026 was $3.68 Mil. BV Financial's Revenue for the
three
months ended in Mar. 2026 was $9.64 Mil. Therefore, BV Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 38.18%.
The historical rank and industry rank for BV Financial's FCF Margin % or its related term are showing as below:
BVFL'
s FCF Margin % Range Over the Past 10 Years
Min: 6.27 Med: 32.69 Max: 47.38
Current: 44.56
During the past 13 years, the highest FCF Margin % of BV Financial was 47.38%. The lowest was 6.27%. And the median was 32.69%.
BVFL's FCF Margin % is ranked better than 71.69% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs BVFL: 44.56
BV Financial FCF Margin % Related Terms
BV Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for BV Financial's FCF Margin % 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.
For the Banks - Regional subindustry, BV Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BV Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where BV Financial's FCF Margin % falls into.
* 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 (BVFL) has a FCF Margin % of 38.18% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BV Financial and its competitors. This is 17% above median its historical median of 32.69. Over the past decade, BV Financial's FCF Margin % has ranged from 6.27 to 47.38. According to the industry distribution chart, BV Financial ranks #426 out of 1505 companies in the Banks industry, placing it in the top 28.3%.
Is BV Financial's FCF Margin % too high?
BV Financial's current FCF Margin % of 38.18% is 17% above median its 10-year median of 32.69. Over the past 10 years, this metric has ranged from a low of 6.27 to a high of 47.38. The Banks industry median FCF Margin % is 26.55. BV Financial's value of 38.18% is 43.8% above this industry median. Based on the distribution chart, BV Financial ranks #426 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, BV Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BV Financial's FCF Margin % compare to FGFH and BMBN?
According to the Banks industry distribution chart, BV Financial ranks #426 out of 1505 companies for FCF Margin %. This puts BV Financial in the upper half of its industry. The industry median FCF Margin % is 26.55. BV Financial's value of 38.18% is 43.8% above this benchmark. Historically, BV Financial's own FCF Margin % has ranged from 6.27 to 47.38 over the past decade. While the company's 10-year median is 32.69 vs. the industry median of 26.55, BV Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BV Financial's current FCF Margin % of 38.18% is 43.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BV Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BV Financial's current FCF Margin % is 38.18%, which is 17% above median its own 10-year median of 32.69. 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 FCF Margin % is 38.18%, which is 17% above median its 10-year median of 32.69 and 43.8% above the Banks industry median of 26.55. BV Financial's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For BV Financial (BVFL), the current FCF Margin % is 38.18% 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:
FCF Margin %: 38.18% (17% above median its 10-year median of 32.69)
GF Value™: $19.39 vs. price of $21.83 (12.6% above fair value)
Industry Position: 43.8% above the Banks median (#426 of 1505)
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 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.
70GF Score
Get the complete analysis for BVFL
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BVFL has been successfully added to your 
