| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 8,690 | 4,960 |
| Net accretion of discounts and premiums | -116 | 315 |
| Recovery of credit losses | -539 | 475 |
| Amortization of deferred loan fees/costs | 50 | 59 |
| Amortization of intangible assets | 135 | 90 |
| Amortization of debt issuance costs | 117 | 78 |
| Depreciation of premises and equipment | 604 | 398 |
| Deferred tax (benefit) expense | -528 | -512 |
| Increase in cash surrender value of life insurance | 289 | 201 |
| Stock-based compensation expense | 3,483 | 2,437 |
| Proceeds received on foreclosed real estate | - | 2 |
| Esop compensation expense | 137 | 91 |
| Decrease in accrued interest and other assets | -578 | -228 |
| Increase (decrease) in other liabilities | 3,131 | -524 |
| Net cash provided by operating activities | 15,585 | 7,148 |
| Increase in equity trading account | 14 | -15 |
| Proceeds from maturities and principal payments of investment securities available for sale | 17,244 | 9,683 |
| Purchases of investment securities available for sale | 14,000 | 7,225 |
| Proceeds from maturities and principal payments of investment securities held to maturity | 196 | 148 |
| (increase) decrease in loans | -8,041 | -13,495 |
| Purchase of premises and equipment | 369 | 356 |
| Proceeds from sale of federal home loan bank of atlanta stock | 1,014 | 1,014 |
| Purchase of federal home loan bank of atlanta stock | 304 | 304 |
| Net cash (used in) provided by investing activities | -4,274 | -10,520 |
| Increase in official checks | 2,611 | -639 |
| Net increase in deposits | 12,299 | 7,400 |
| Decrease in advance payments by borrowers for taxes and insurance | -153 | 2,699 |
| Advances from the federal home loan bank of atlanta | 6,000 | 6,000 |
| Repayment of advances from the federal home loan bank of atlanta | 21,000 | 21,000 |
| Repurchase of shares | 18,022 | 5,265 |
| Net cash (used in) provided by financing activities | -18,265 | -10,805 |
| Net (decrease) and increase in cash and cash equivalents | -6,954 | -14,177 |
| Cash and cash equivalents at beginning of period | 70,500 | - |
| Cash and cash equivalents at end of period | 63,546 | - |
BV Financial, Inc. (BVFL)
BV Financial, Inc. (BVFL)