BVFL BV Financial, Inc. featured news, full reports, and detailed charts
BV Financial, Inc. (BVFL/BVFL.OB) Wrap Up:
BV Financial, Inc. operates as the holding company for Bay-Vanguard Federal Savings Bank (bank) that provides various financial services in Maryland. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, NOW and money market accounts, passbook and savings accounts, and certificates of deposit. The bank’s loan portfolio includes one-to four-family real estate, mobile home, construction, multifamily and commercial real estate, and consumer loans. As of December 21, 2007, Bay-Vanguard Federal operated a main office in Baltimore, Maryland, as well as four other branches in the Baltimore metropolitan area. The company was incorporated in 18...www.bayvanguard.com
34 Employees
BV Financial, Inc. (BVFL:OTC Bulletin Board Market)
LAST $2.75 USD
CHANGE TODAY 0.00 0.00%
VOLUME 0.0
As of November 12, 2009 All times are local (Market data by Reuters is delayed by at least 15 minutes).
Snapshot of BV Financial, Inc. (BVFL)
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OPEN
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PREVIOUS CLOSE
$2.75
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DAY HIGH
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DAY LOW
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52 WEEK HIGH
11/20/08 - $4.40
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52 WEEK LOW
10/28/09 - $2.52
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MARKET CAP
6.6M
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AVERAGE VOLUME 3 mo
1.1K
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DILUTED EPS TTM
$-1.25
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SHARES OUTSTANDING
2.4M
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EX-DATE
12/4/09
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P/E TTM
NM
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DIVIDEND
$0.20
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DIVIDEND YIELD
7.27%
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| K = Thousands M = Millions B = Billions | ||
BVFL Top Compensated Officers
Ms. Carolyn M. Mroz
Chief Executive Officer, President, Director,...
Age: 63
Total Annual Compensation: $149.0K
Mr. Edmund T. Leonard
Chairman of the Board, Chief Financial Office...
Age: 65
Total Annual Compensation: $149.0K
Mr. Daniel J. Gallagher Jr.
Director, Senior Vice President of Bay-Vangua...
Age: 52
Total Annual Compensation: $116.2K
Executives, Board Directors
Compensation as of Fiscal Year 2009.
Key developments for BV Financial, Inc. (BVFL)
BV Financial Inc. Reports Unaudited Earnings Result for Quarter Ended September 30, 2009
10/21/2009
BV Financial Inc. reported unaudited earnings result for quarter ended September 30, 2009. For the quarter, the company reported net income of $73,000 on interest income of $1,945,000 compared to net income of $244,000 on interest income of $2,231,000 for the same period a year ago. Income before income taxes was $115,000 compared to income before income taxes of $241,000 for the same period a year ago. The decreased earnings in fiscal 2009 were attributed largely to a decrease in net interest income and increases in non-interest expense, provision for loan losses and income taxes. Net interest income decreased mainly due to a decrease in the average balance of the loan portfolio of approximately $10.2 million and a decrease in the yield of the investment portfolio.
BV Financial Inc. and Bay-Vanguard Federal Savings Bank Announce Executive Changes
09/28/2009
BV Financial Inc. announced that Edmund T. Leonard has indicated his intention to retire as Chief Financial Officer of the company and Bay-Vanguard Federal Savings Bank, effective on January 8, 2010. Mr. Leonard will continue to serve as chairman of the board of the company and the bank. Mr. Leonard will be succeeded as Chief Financial Officer by Steven W. Lilly, who has been with the company and the bank since April 2008, most recently serving as Assistant Chief Financial Officer.
BV Financial Files Form 15
09/25/2009
BV Financial, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its common stock under the Securities Exchange Act of 1934, as amended. The par value of the company's common stock was $0.01 per share.
BVFL Competitors
| Company | Last | Change |
| Bank of America Corp | $16.09 USD | +0.01 |
| M & T Bank Corp | $65.85 USD | +0.52 |
| Suntrust Banks Inc | $22.04 USD | +0.18 |
| Market data is delayed at least 20 minutes. | ||
Industry Analysis
| Valuation | BVFL | Industry Range |
| Price/Earnings | NM | Not Meaningful |
| Price/Sales | 2.1x |
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| Price/Book | 0.5x |
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| Price/Cash Flow | NM | Not Meaningful |
| TEV/Sales | NM | Not Meaningful |
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BVFL |
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BVFL transactions
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| No transactions in the last 6 months. | ||
More Recent News About BV Financial, Inc.
More news for BVFL
BV Financial, Inc. Announces Financial Results
   Three months ended September 30, 2009   2008 Operating Results: (unaudited) (unaudited) Interest income $ 1,945 $ 2,231 Interest expense  827  1,083    Net interest income 1,118 1,148 Provision ...Click here to read the whole Article (external link)
BV FINANCIAL, INC. Financials
Copyright © 2009 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service - Copyright/IP Policy - Send Feedback Quotes delayed, except where indicated otherwise.Delay times are 15 mins for NASDAQ, 20 mins for NYSE and Amex. See also delay times for other exchanges.Fundamental company data provided by Capital IQ. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page. Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. Real-...Click here to read the whole Article (external link)
BV Financial, Inc. Announces Retirement of Chief Financial Officer
Copyright © 2009 Yahoo! All rights reserved. Privacy Policy - Terms of Service - Copyright Policy - Report Problems Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page. Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quote data delayed 15 minutes for Nasdaq, NYSE and Amex. Real-Time continuous streaming quotes are available through our premium service. You may turn streaming quotes on or off. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Yahoo! is not an investment adviser and does not provide, endorse or review any information or data contained herein....Click here to read the whole Article (external link)
BV FINANCIAL, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits
Show all filings for BV FINANCIAL, INC. | Request a Trial to NEW EDGAR Online Pro Form 8-K for BV FINANCIAL, INC. 24-Sep-2009Other Events, Financial Statements and Exhibits Copyright © 2009 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service - Copyright/IP Policy - Send Feedback SEC Filing data and information provided by EDGAR Online, Inc. (1-800-416-6651). All information provided "as is" for informational p...Click here to read the whole Article (external link)
BV Financial, Inc. Announces Date of Annual Meeting
Copyright © 2009 Yahoo! All rights reserved. Privacy Policy - Terms of Service - Copyright Policy - Report Problems Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page. Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quote data delayed 15 minutes for Nasdaq, NYSE and Amex. Real-Time continuous streaming quotes are available through our premium service. You may turn streaming quotes on or off. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Yahoo! is not an investment adviser and does not provide, endorse or review any information or data contained herein....Click here to read the whole Article (external link)
BV FINANCIAL, INC. Files SEC form 10-K, Annual Report
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION The objective of this section is to help potential investors understand our views on our results of operations and financial condition. You should read this discussion in conjunction with the financial statements and notes to the financial statements included in this annual report on Form 10-K. Overview Income. Our primary source of income is net interest income. Net interest income is the difference between interest income, which is the income that we earn on our loans and investments, and interest expense, which is the interest that we pay on our deposits and borrowings. To a much lesser extent, we also recognize income from service charge income-mostly from service charges on deposit accounts and fees for late loan payments-and from the increase in surrender value of our bank-owned life insurance. Allowance for Loan Losses. The allowance for loan losses is a valuation allowance for losses inherent in the loan portfolio. We evaluate the need to establish allowances against losses on loans on a quarterly basis. When additional allowances are necessary, a provision for loan losses is charged to earnings. Expenses. The expenses we incur in operating our business consist of compensation and related expenses, occupancy expenses, data processing expenses, telephone and postage expenses, advertising expenses, professional fees, equipment expenses and other miscellaneous expenses. Compensation and related expenses consist primarily of the salaries and wages paid to our employees, payroll taxes and expenses for health insurance, retirement plans and other employee benefits, including the Table of Contents employee stock ownership plan. Expense for the employee stock ownership plan is based on the average market value of the shares committed to be released. An equal number of shares will be released each year over the 15-year term of t...Click here to read the whole Article (external link)
Bay-Vanguard Federal parent company going private
ONLINE: home | business news | small business | sales & marketing | real estate | events | community | careers | city guide | advertise | about us | rss PRINT: subscribe | renew | advertise | book of lists | business intelligence | classifieds | ...Click here to read the whole Article (external link)
BV FINANCIAL, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits
Show all filings for BV FINANCIAL, INC. | Request a Trial to NEW EDGAR Online Pro Form 8-K for BV FINANCIAL, INC. 17-Sep-2009Other Events, Financial Statements and Exhibits Copyright © 2009 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service - Copyright/IP Policy - Send Feedback SEC Filing data and information provided by EDGAR Online, Inc. (1-800-416-6651). All information provided "as is" for informational pu...Click here to read the whole Article (external link)
BV Financial, Inc. Announces Decision to Deregister Its Common Stock
BALTIMORE--(BUSINESS WIRE)--BV Financial, Inc. (OTCBB:BVFL - News) today announced that it plans to deregister its common stock and suspend its reporting obligations under the Securities Exchange Act of 1934 by filing a Form 15 with the Securities and Exchange Commission on September 25, 2009. The Company expects the deregistration to be effective within 90 days after the filing of the Form 15. The Company’s obligations to file with the SEC certain reports and forms, including Form 10-K, Form 10-Q and Form 8-K, are suspended immediately as of the filing date of the Form 15 and will cease as of the effective date of the Form 15. The Company anticipates that its common stock will continue to be quoted on the OTC Bulletin Board after deregistration with the SEC to the extent market makers continue to make a market in its shares. No guarantee, however, can be made that trading will continue.Edmund T. Leonard, Chairman of the Board and Chief Financial Officer, said, “The decision by the board of the directors of the Company to deregister was made after careful consideration of the advantages and disadvantages of being a public company and the high costs and demands on management time arising from compliance with the many SEC and Sarbanes-Oxley requirements. We believe deregistration will be a significant benefit to the Company by reducing expenses and permitting management to focus its en...Click here to read the whole Article (external link)
BV FINANCIAL, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits
Show all filings for BV FINANCIAL, INC. | Request a Trial to NEW EDGAR Online Pro Form 8-K for BV FINANCIAL, INC. 20-Aug-2009Other Events, Financial Statements and Exhibits Copyright © 2009 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service - Copyright/IP Policy - Send Feedback SEC Filing data and information provided by EDGAR Online, Inc. (1-800-416-6651). All information provided "as is" for informational pu...Click here to read the whole Article (external link)
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