Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Net income | $10.5M | $13.7M | $11.7M | $13.5M |
| EPS (diluted) | $1.32 | $1.47 | $1.09 | $1.43 |
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Operating cash flow | $9.71M | $15.2M | $16.1M | $19.0M |
| Capital expenditures | $502K | $155K | $611K | $237K |
| Free cash flow | $9.21M | $15.0M | $15.5M | $18.8M |
| Share buybacks | — | — | $17.7M | $30.0M |
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Cash & equivalents | $68.7M | $73.7M | $70.5M | $55.7M |
| Total assets | $845M | $885M | $912M | $912M |
| Total liabilities | $747M | $686M | $716M | $728M |
| Long-term debt | $49.0M | $37.3M | $49.9M | $35.0M |
| Shareholders' equity | $97.8M | $199M | $195M | $184M |
| Retained earnings | $84.6M | $97.8M | $109M | $123M |
| Shares (wtd avg diluted) | 7.97M | 9.34M | 10.7M | 9.46M |
Every figure is extracted from BV Financial, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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