All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 3 read as filed from the record and 6 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-02-23.
From the record
BV Financial, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2026-02-23) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
SI estimate 4.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s track record is put at 4.5 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 30 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
How has it treated the people who own it?
Share count grew 5.9% a year. 95% of cash flow returned. Insiders: 93 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, BV Financial, Inc.'s diluted share count grew about 5.9% a year, and dividends and buybacks returned about 95% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 93 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 80%: owes 80¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, BV Financial, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count shrank 11.7% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
SI estimate 4.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s industry position is put at 4.5 of 10 with a confidence of 20 of 100, because no filed revenue on file, so the desk assumes the typical reading of its industry family, the median of 31 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are the people in charge doing?
SI estimate 3.1/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s leadership is put at 3.1 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 31% of 31 in its family; the record of its people begins on 2023-07-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.3 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
SI estimate 3.4/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s room to expand is put at 3.4 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 34% of 33 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
SI estimate 5.2/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s growth drivers is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 30 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
Did its newest year beat what its own record pointed to?
SI estimate 4.4/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: BV Financial, Inc.'s expectations vs reality is put at 4.4 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 29 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made