Provides checking and money market accounts. Offers savings accounts and certificates of deposit. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 71% of them.
No analyst target is on record for this company.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 40% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 26% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 13% a year on average.
Over the last 12 months, executives reported 101 sells against just 3 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, BVFL sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: BVFL is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: earnings execution.