BV Financial, Inc. Common Stock (BVFL) — Defensive Interval Ratio
BV Financial, Inc. Common Stock (BVFL) has a Defensive Interval Ratio of 15 days as of December 2025. Defensive assets of $28.28 Million (cash $-, short-term investments $25.13 Million, receivables $3.15 Million) cover 15 days of daily cash needs of $1.85 Million/day. See BVFL net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
BV Financial, Inc. Common Stock Defensive Interval Ratio (2003–2025)
This chart shows how BV Financial, Inc. Common Stock's Defensive Interval Ratio has evolved across 18 annual periods from 2003 to 2025. As of December 2025, the ratio stands at 15 days, meaning defensive assets of $28.28 Million can fund 15 days of operations without new revenue. See debt-free asset ratio of BV Financial, Inc. Common Stock to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for BV Financial, Inc. Common Stock (2003–2025)
The table below presents the year-by-year Defensive Interval Ratio for BV Financial, Inc. Common Stock from 2003 to 2025, covering 18 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see BVFL market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 15 days | $28.28 Million | $1.85 Million/day | $- | $25.13 Million | ▼ -1 days |
| 2024 | 17 days | $29.60 Million | $1.78 Million/day | $- | $26.44 Million | ▼ -5 days |
| 2023 | 22 days | $38.06 Million | $1.74 Million/day | $- | $34.78 Million | ▲ +3 days |
| 2022 | 19 days | $35.99 Million | $1.88 Million/day | $- | $33.03 Million | ▼ -2 days |
| 2021 | 22 days | $40.38 Million | $1.86 Million/day | $- | $37.79 Million | ▲ +3 days |
| 2020 | 19 days | $35.40 Million | $1.86 Million/day | $- | $32.46 Million | ▲ +4 days |
| 2019 | 15 days | $9.34 Million | $604.99K/day | $- | $8.35 Million | ▼ -20 days |
| 2017 | 36 days | $13.58 Million | $379.96K/day | $- | $13.08 Million | ▲ +1 days |
| 2016 | 35 days | $13.55 Million | $390.69K/day | $- | $12.98 Million | ▲ +24 days |
| 2015 | 11 days | $1.46 Million | $137.12K/day | $- | $1.46 Million | ▼ -12 days |
| 2014 | 22 days | $3.21 Million | $144.59K/day | $- | $3.21 Million | ▲ +12 days |
| 2013 | 10 days | $4.32 Million | $413.16K/day | $- | $4.32 Million | ▲ +6 days |
| 2009 | 5 days | $1.77 Million | $379.45K/day | $- | $1.18 Million | ▼ -21 days |
| 2008 | 25 days | $9.51 Million | $375.43K/day | $- | $8.84 Million | ▲ +11 days |
| 2007 | 14 days | $3.84 Million | $269.84K/day | $- | $3.30 Million | ▼ -4 days |
| 2006 | 18 days | $4.72 Million | $266.01K/day | $- | $4.23 Million | ▼ -1 days |
| 2005 | 19 days | $4.76 Million | $250.41K/day | $- | $4.34 Million | ▲ +18 days |
| 2003 | 1 days | $344.00K | $238.39K/day | $- | $- | — |