BVFL

BV FinancialC

Nasdaq / Banks

At close

2026-07-18

Current thesis

The one-time $2.2 million executive-transition payment may not recur, allowing the improved net interest margin, spread, and adjusted earnings profile to become more visible. Share repurchases provide additional support.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.3.

What can break

Leadership transition and combined CEO-chair structure add governance and execution uncertainty.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $20.00 · Bull $24.00 · Bear $17.50

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-16 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum58 · Δ7d -

Value51 · Δ7d +0.3

Sentiment47 · Δ7d -

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+0.2

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 58.3 / Value 51.3 / Sentiment 46.8

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$186.08M

Beta

0.00

Shares Out

8.66M

P/E (TTM)

16.9

P/S (TTM)

4.25

P/FCF (TTM)

8.60

Rev YoY

+1.7%

EPS YoY

-36.3%

Gross Margin

Op Margin

+37.8%

Net Debt

$30.14M

Current Ratio

0.22

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology