BVFL (BV Financial) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


BVFL BV Financial Inc BVFL
70 GF Score
Price $21.25
GF Value $19.39
Valuation Fairly Valued
! 5 Warning Signs
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What is BV Financial Scaled Net Operating Assets?

BV Financial BVFL +1.32% 70 Scaled Net Operating Assets is 0.12 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

BV Financial's operating assets for the quarter that ended in Mar. 2026 was $803.39 Mil. BV Financial's operating liabilities for the quarter that ended in Mar. 2026 was $692.22 Mil. BV Financial's Total Assets for the quarter that ended in Dec. 2025 was $912.21 Mil. Therefore, BV Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

BVFL
70GF Score
BV Financial Inc BVFL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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BV Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

BV Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(856.508-693.409)/911.821
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=912.213 - 55.705
=856.508

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=728.409 - 35 - 0
=693.409

BV Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(803.39-692.22)/912.213
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=910.857 - 107.467
=803.39

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=727.22 - 35 - 0
=692.22

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
BV Financial (BVFL) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on BV Financial and its competitors.
Is BV Financial's Scaled Net Operating Assets too high?
BV Financial's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to OAKC and EBMT?
BV Financial's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on BV Financial and its competitors. BV Financial's current Scaled Net Operating Assets is 0.12. 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 $21.25 — trading 9.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For BV Financial (BVFL), the current Scaled Net Operating Assets is 0.12 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 $21.25 is trading 9.6% above its estimated GF Value™ of $19.39. GuruFocus considers BV Financial to be Fairly Valued.

Key valuation signals for BVFL:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $19.39 vs. price of $21.25 (9.6% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.25
Price
$19.39
GF Value