BVFL (BV Financial) Moat Score: 4/10 (As of Jul. 06, 2026)


BVFL BV Financial Inc BVFL
70 GF Score
Price $21.33
GF Value $19.39
Valuation Fairly Valued
! 5 Warning Signs
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What is BV Financial Moat Score?

BV Financial BVFL +1.86% 70 Moat Score is 4 as of Jul. 06, 2026. GuruFocus rates BVFL with a GF Score™ of 70/100 and a GF Value™ of $19.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,612 Banks companies, BV Financial ranks better than 86.23% on this metric.

BV Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

BV Financial has Narrow Moat: BV Financial Inc has a modest moat due to its regional market presence and customer relationships. However, it lacks significant network effects, intellectual property, or cost advantages. The financial sector's competitive nature limits its pricing power and regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes BV Financial might have Narrow Moat - Discernible but modest moat.

BV Financial  (NAS:BVFL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

BV Financial Moat Score Related Terms

BVFL vs OAKC, EBMT, LYBC: Moat Score Comparison

For the Banks - Regional subindustry, BV Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, BV Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where BV Financial's Moat Score falls into.


BVFL
70GF Score
BV Financial Inc BVFL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
BV Financial (BVFL) has a Moat Score of 4 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, BV Financial ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is BV Financial's Moat Score too high?
BV Financial's current Moat Score is 4. Based on the distribution chart, BV Financial ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BV Financial has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BV Financial's Moat Score compare to OAKC and EBMT?
According to the Banks industry distribution chart, BV Financial ranks #222 out of 1612 companies for Moat Score. This places BV Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. BV Financial's current Moat Score is 4. 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 Fairly Valued. The stock's GF Value™ is $19.39, compared to a current price of $21.33 — trading 10% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For BV Financial (BVFL), the current Moat Score is 4 as of Jul. 06, 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 $21.33 is trading 10% above its estimated GF Value™ of $19.39. GuruFocus considers BV Financial to be Fairly Valued.

Key valuation signals for BVFL:

  • Moat Score: 4
  • GF Value™: $19.39 vs. price of $21.33 (10% above fair value)
  • GF Score™: 70/100 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.
70GF Score

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

$21.33
Price
$19.39
GF Value