BV Financial, Inc. (BVFL) Fair Value 2026

BVFL · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.0 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-27, BV Financial, Inc. (BVFL) trades at $21.36, versus a $17.54 median fair value across its 6 active models — 17.9% below the current price. QOC: 8.0/10. Value Trap Risk: 17/100 (SAFE). 6/13 models active.

Key Facts

Ticker
BVFL
Price
$21.36
Quality Score
8.0/10
Value Trap Risk
17/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is BV Financial, Inc. (BVFL) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, BV Financial, Inc. (BVFL) appears overvalued as of : the median of 6 independent fair value estimates is $17.54, 17.9% below the current price of $21.36. Estimates range from $12.45 to $28.81. BVFL scores 8.0/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BVFL’s -17.9% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy BV Financial, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BVFL?

6 Intrinsic Value Models vs. Current Price ($21.36)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $17.69 -17.2%
Ensemble · Medium Conviction
 $17.38 -18.6%
Intrinsic · Medium Conviction
 $12.45 -41.7%
Unlock the Full Matrix

Access 3 additional models including Markov DDM, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is BVFL's Fair Value Range?

Spread across 6 independent models · $12.45 to $28.81

CirclFi's 6 active models place BV Financial, Inc. (BVFL) between $12.45 and $28.81 per share, a spread of 93% of the median. The median of that range — $17.54 — is the fair value CirclFi publishes for BVFL, against a current price of $21.36.

Low · ML-RIVHigh · Markov DDM
$12.45median $17.54$28.81
Where the range comes from
Most bearish modelML Residual Income$12.45
Most bullish modelMarkov DDM$28.81
Model agreement1 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on BVFL, not a CirclFi price target. How each model works →

What Is BV Financial, Inc. (BVFL) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, BV Financial, Inc.'s intrinsic value is estimated at $17.54. Trading at its current price of $21.36, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -17.9%. Notably, Markov DDM sees the most upside at +34.9% (fair value: $28.81), while ML-RIV is the most conservative at -41.7% ($12.45). The spread between these extremes — +76.6% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About BVFL?

6 of 13 models are currently active for BVFL. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for BVFL is $17.54 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BVFL Rank in Banks - Regional?

Among 349 Banks - Regional stocks, BVFL ranks #176 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For BV Financial, Inc., metrics like cost-to-income ratio provide important context that general-purpose valuation models may underweight.

Is BVFL a Value Trap?

CirclFi's Value Trap algorithm assigns BVFL a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for BV Financial, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, BV Financial, Inc. scores 8.0 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +76.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BVFL valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BVFL's 6 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy BV Financial, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

SBCFSeacoast Banking Corporation of FloridaQOC 8.0HWCHancock Whitney CorporationQOC 8.0BANRBanner CorporationQOC 8.0CZFSCitizens Financial Services, Inc.QOC 8.0WNEBWestern New England Bancorp, Inc.QOC 8.0RMBIRichmond Mutual Bancorporation, Inc.QOC 8.0TFINTriumph Financial, Inc.QOC 7.5ESQEsquire Financial Holdings, Inc.QOC 9.1CFRCullen/Frost Bankers, Inc.QOC 8.4PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: SBCF · HWC · BANR · CZFS · WNEB · RMBI · TFIN · ESQ · CFR · PEBO

Which Other Stocks Have a Similar Quality Score to BVFL?

5 companies across all industries closest to BVFL’s Quality of Company score of 8.0/10.

RDDTReddit, Inc.QOC 8.0FCNFTI Consulting, Inc.QOC 8.0LUVSouthwest Airlines Co.QOC 8.0AAONAAON, Inc.QOC 8.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RDDT · FCN · LUV · AAON · NVDA

Where Does BVFL Sit in CirclFi's Banks - Regional Rankings?

BVFL is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About BV Financial, Inc.’s Valuation?

What is BV Financial, Inc.'s intrinsic value in 2026?

CirclFi puts BV Financial, Inc. (BVFL)'s intrinsic value at $17.54 — the median of 6 independent model estimates as of 2026-08-27, ranging from $12.45 to $28.81. The Quality of Company score is 8.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BVFL overvalued or undervalued right now?

At $21.36, 1 of 6 active models suggest BVFL may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $17.54, 17.9% below the current price of $21.36 — a consensus view that BVFL is overvalued. The assessment depends on which methodology best fits BV Financial, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.0 mean for BVFL?

BV Financial, Inc.'s QOC of 8.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BVFL?

CirclFi analyzes BVFL with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BVFL?

Of the 6 models currently active on BVFL, Markov DDM is the most bullish at $28.81 per share, and ML Residual Income is the most bearish at $12.45. CirclFi's published fair value for BVFL is the median of that range, $17.54, not either extreme. The gap between the two ends equals 93% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is BVFL a value trap in 2026?

BV Financial, Inc.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, BV Financial, Inc. (BVFL) has a median fair value of $17.54 — 17.9% below the current price of $21.36 — as of 2026-08-27.” Source: circlfi.com/stock/BVFL/ · Methodology
Primary sources for this BVFL valuation
  • Financial statements: BV Financial, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001302387) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BVFL as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on BVFL.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for BVFL Unlock All 6 — $39/mo