BVFL (BV Financial) ROC %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BVFL BV Financial Inc BVFL
73 GF Score
Price $21.30
GF Value $19.35
Valuation Fairly Valued
! 5 Warning Signs
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What is BV Financial ROC %?

BV Financial BVFL +1.19% 73 ROC % is % as of Mar. 2026. GuruFocus rates BVFL with a GF Score™ of 73/100 and a GF Value™ of $19.35 (Fairly Valued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

BVFL
73GF Score
BV Financial Inc BVFL
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
BV Financial (BVFL) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on BV Financial and its competitors.
Is BV Financial's ROC % too high?
BV Financial's current ROC % is %. Overall, BV Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BV Financial's ROC % compare to TRCY and PFLC?
BV Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on BV Financial and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BV Financial's current ROC % is %. 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 $19.35, compared to a current price of $21.30 — trading 10.1% above its estimated fair value. The current ROC % is %. BV Financial's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For BV Financial (BVFL), the current ROC % is % 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 $21.30 is trading 10.1% above its estimated GF Value™ of $19.35. GuruFocus considers BV Financial to be Fairly Valued.

Key valuation signals for BVFL:

  • ROC %: %
  • GF Value™: $19.35 vs. price of $21.30 (10.1% above fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for BVFL

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

$21.30
Price
$19.35
GF Value