BV FinancialBVFL +0.97%70 Net Margin % is 11.32% as of Mar. 2026, which is 63% below its 10-year median of 30.44. 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 1,527 Banks companies, BV Financial ranks better than 64.96% on this metric.
Net margin is calculated as Net Income divided by its Revenue. BV Financial's Net Income for the
three
months ended in Mar. 2026 was $1.09 Mil. BV Financial's Revenue for the
three
months ended in Mar. 2026 was $9.64 Mil. Therefore, BV Financial's net margin for the quarter that ended in Mar. 2026 was 11.32%.
The historical rank and industry rank for BV Financial's Net Margin % or its related term are showing as below:
BVFL'
s Net Margin % Range Over the Past 10 Years
Min: -64.44 Med: 30.44 Max: 45.03
Current: 31.12
BVFL's Net Margin % is ranked better than 64.96% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BVFL: 31.12
BV Financial (NAS:BVFL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
BV Financial Net Margin % Related Terms
BV Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for BV Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BV Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where BV Financial's Net 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 Net Margin % of 11.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on BV Financial and its competitors. This is 63% below median its historical median of 30.44. According to the industry distribution chart, BV Financial ranks #535 out of 1527 companies in the Banks industry, placing it in the top 35%.
Is BV Financial's Net Margin % too high?
BV Financial's current Net Margin % of 11.32% is 63% below median its 10-year median of 30.44. The Banks industry median Net Margin % is 26.95. BV Financial's value of 11.32% is 58% below this industry median. Based on the distribution chart, BV Financial ranks #535 out of 1527 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 Net Margin % compare to FGFH and BMBN?
According to the Banks industry distribution chart, BV Financial ranks #535 out of 1527 companies for Net Margin %. This puts BV Financial in the upper half of its industry. The industry median Net Margin % is 26.95. BV Financial's value of 11.32% is 58% below this benchmark. While the company's 10-year median is 30.44 vs. the industry median of 26.95, BV Financial has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BV Financial's current Net Margin % of 11.32% is 58% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on BV Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BV Financial's current Net Margin % is 11.32%, which is 63% below median its own 10-year median of 30.44. 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 Net Margin % is 11.32%, which is 63% below median its 10-year median of 30.44 and 58% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For BV Financial (BVFL), the current Net Margin % is 11.32% 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:
Net Margin %: 11.32% (63% below median its 10-year median of 30.44)
GF Value™: $19.39 vs. price of $21.83 (12.6% above fair value)
Industry Position: 58% below the Banks median (#535 of 1527)
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
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