BVFL / BV Financial, Inc. - SEC-Einreichungen, Jahresbericht, Proxy Statement

FORM 8-K Item 8.01 Other Events.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 01, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL

Exhibit 10.1 BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of this BV Financial Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”) by providing a means to attract, retain and reward

Note 3 – Loans Receivable Note 5 – Foreclosed Real Estate Note 8 – Lease Commitments And Contingencies Note 10 – Fair Value Measurements Note 11 – Fair Value Of Financial Instruments Note 12 – Earnings Per Share (“EPS”) Note 13 – Income Taxes Note 14

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCI

FORM 8-K Item 5.07 Submission of Matters to a Vote of Security Holders.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 07, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File Nu

FORM 8-K Item 8.01 Other Events.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 05, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File Nu

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, April 24, 2026– BV Financial, Inc. (NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $1.1 million or $0.13 per diluted share for the quarter ended March 31, 2026 compared to net income of $2.1 mi

SCHEDULE 14A INFORMATION

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

FORM 8-K Item 2.02 Results of Operations and Financial Condition.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File

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NOTICE OF 2026 ANNUAL MEETING PROXY STATEMENT AND ANNUAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2025   
  B BV Financial, Inc.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ____)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

SUBSIDIARIES OF THE REGISTRANT

Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Name State or Jurisdiction of Incorporation Ownership Percentage BayVanguard Bank Maryland 100% BV Real Estate, LLC(1) Maryland 100% 1920 Rock Spring Road, LLC(1) Maryland 100% Idlewild Properties, LLC(1) Maryland 100% (1) Wholly-owned subsidiary of BayVanguard Bank

BV FINANCIAL, INC. Appendix A This email is to inform you that the quarterly blackout period is now in effect and you should not execute any trades in BV Financial, Inc. common stock. If you have a standing order, you should immediately terminate su

Exhibit 19.1 BV FINANCIAL, INC. POLICY REGARDING INSIDER TRADING BV Financial, Inc. (the “Company”) is a public company whose common stock trades on the Nasdaq Capital Market and is registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic reports and proxy statements with the Securities and Exchange Commission (the “SEC”). Investment by dire

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-41764 BV FINANCIAL, I

FORM 8-K Item 4.01 Changes in Registrant’s Certifying Accountant. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 20, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fi

U.S. Securities and Exchange Commission

U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated February 23, 2026 of BV Financial, Inc. and are in agreement with the statements therein concerning Forvis Mazars, LLP. We have no basis to agree or disagree with other statements of the registrant contained therein. /s/ Forvis Mazars, LLP Tysons, Virginia

FORM 8-K Item 2.02 Results of Operations and Financial Condition.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2026 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 22, 2026 BV Financial, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 22, 2026 BV Financial, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No

SEPARATION, CONSULTING AND RELEASE AGREEMENT

EXHIBIT 10.1 SEPARATION, CONSULTING AND RELEASE AGREEMENT THIS SEPARATION, CONSULTING AND RELEASE AGREEMENT (this “Agreement”) is entered into as of this 22nd day of January 2026 (the “Termination Date”), by and among David M. Flair (“Flair”), BayVanguard Bank, a Maryland-chartered stock savings bank (the “Bank”), and BV Financial, Inc., a Maryland company and the holding company of the Bank (the

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, January 23, 2026– BV Financial, Inc. ( NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $13.5 million, or $1.43 per diluted share, for the year ended December 31, 2025 compared to net income of $

Note 3 – Loans Receivable Note 5 – Foreclosed Real Estate Note 8 – Lease Commitments And Contingencies Note 10 – Fair Value Measurements Note 11 – Fair Value Of Financial Instruments Note 12 – Earnings Per Share (“EPS”) Note 13 – income taxes Note 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FIN

BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL

Exhibit 10.1 BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of this BV Financial Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”) by providing a means to attract, retain and reward

FORM 8-K Item 2.02 Results of Operations and Financial Condition.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 17, 2025 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Announces Adoption and Regulatory Non-Objection For Stock Repurchase Program

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Announces Adoption and Regulatory Non-Objection For Stock Repurchase Program Baltimore, Maryland, October 17, 2025– BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.7 million, or $0.41 per diluted share,

Note 3 – Loans Receivable Note 5 – Foreclosed Real Estate Note 8 – Lease Commitments And Contingencies Note 10 – Fair Value Measurements Note 11 – Fair Value Of Financial Instruments Note 12 – Earnings Per Share (“EPS”) Note 13 – income taxes Note 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCIA

BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL

Exhibit 10.1 BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of this BV Financial Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”) by providing a means to attract, retain and reward

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 17, 2025– BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $2.9 million, or $0.29 per diluted share, for the quarter ended June 30, 2025 compared to net income of $3.4 million, or

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 17, 2025 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31. 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF TH

BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL

Exhibit 10.1 BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of this BV Financial Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”) by providing a means to attract, retain and reward

Note 3 – Loans Receivable Note 5 – Foreclosed Real Estate Note 8 – Lease Commitments And Contingencies Note 10 – Fair Value Measurements Note 11 – Fair Value Of Financial Instruments Note 12 – Earnings Per Share (“EPS”) Note 13 – Income Taxes Note 14

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 8, 2025 BV Financial, Inc. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 8, 2025 BV Financial, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.) (I

FORM 8-K Item 2.02 Results of Operations and Financial Condition.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 18, 2025 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, April 17, 2025– BV Financial, Inc. (NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $2.1 million or $0.21 per diluted share for the quarter ended March 31, 2025 compared to net income of $2.6 mi

BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program

FOR IMMEDIATE RELEASE BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program Baltimore, Maryland, April 4, 2025 — BV Financial, Inc. (the “Company”) (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), announced today that the Company has adopted, and received the non-objection of the Federal Reserve Bank of Richmond (the “Federal Reserve”

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 04, 2025 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ____)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

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NOTICE OF 2025 ANNUAL MEETING PROXY STATEMENT AND ANNUAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2024   
  B BV Financial, Inc.

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Name State or Jurisdiction of Incorporation Ownership Percentage BayVanguard Bank Maryland 100% BV Real Estate, LLC(1) Maryland 100% 1920 Rock Spring Road, LLC(1) Maryland 100% Idlewild Properties, LLC(1) Maryland 100% (1) Wholly-owned subsidiary of BayVanguard Bank

DESCRIPTION OF CAPITAL STOCK OF BV FINANCIAL

Exhibit 4.2 DESCRIPTION OF CAPITAL STOCK OF BV FINANCIAL General BV Financial, Inc. (“BV Financial”) is authorized to issue 45,000,000 shares of common stock, par value of $0.01 per share, and 1,000,000 shares of preferred stock, par value $0.01 per share. Each share of common stock has the same relative rights as, and are identical in all respects to, each other share of common stock. All shares

BV Financial, Inc. Insider Trading Policy

Exhibit 19.1 BV FINANCIAL, INC. POLICY REGARDING INSIDER TRADING BV Financial, Inc. (the “Company”) is a public company whose common stock trades on the Nasdaq Capital Market and is registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic reports and proxy statements with the Securities and Exchange Commission (the “SEC”). Investment by dire

Clawback Policy (incorporated by reference to Exhibit 99.7 to the Company's Annual Report on Form 10-K for the year ended December 31, 2023 (Commission File No. 001-41764), as filed on March 22, 2024)

Exhibit 99.7 BV FINANCIAL, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of BV Financial, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of certain incentive compensation in the event of an accounting restatement. The Company has adopted this Policy as a su

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-41764 BV FINANCIAL, I

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2025 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, January 27, 2025– BV Financial, Inc. ( NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $11.7 million or $1.10 per diluted share for the year ended December 31, 2024 compared to net income of $13

BVFL / BV Financial, Inc. / Newtyn Management, LLC Passive Investment

SC 13G/A 1 formsc13ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* BV FINANCIAL, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 05603E208 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FIN

BV Financial, Inc. 2024 Equity Incentive Plan

Exhibit 10.1 BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 - GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of this BV Financial Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”) by providing a means to attract, retain and reward

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, October 21, 2024– BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.8 million, or $0.35 per diluted share, for the quarter ended September 30, 2024 compared to net income of $3.7 mill

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 21, 2024 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

Form of Restricted Stock Award Agreement

EXHIBIT 10.4 FORM OF RESTRICTED STOCK AWARD AGREEMENT Granted by BV FINANCIAL, INC. under the BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN This Restricted Stock Award Agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the BV Financial, Inc. 2024 Equity Incentive Plan (the “Plan”), which are incorporated herein by reference and made a p

Registration No. 333- As filed with the Securities and Exchange Commission on September 6, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 BV Financial, Inc. (Exa

Registration No. 333- As filed with the Securities and Exchange Commission on September 6, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BV Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 14-1920944 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Em

Form of Non-Qualified Stock Option Award Agreement

EXHIBIT 10.6 FORM OF NON-QUALIFIED STOCK OPTION AWARD AGREEMENT Granted by BV FINANCIAL, INC. under the BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN This Non-Qualified Stock Option Award Agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the BV Financial, Inc. 2024 Equity Incentive Plan (the “Plan”), which are incorporated herein by reference and made

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 5, 2024 BV Financial, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

Filing Fee Table

EXHIBIT 107 Calculation of Filing Fee Tables Form S-8 (Form Type) BV Financial, Inc.

Form of Incentive Stock Option Award Agreement

EXHIBIT 10.5 FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT Granted by BV FINANCIAL, INC. under the BV FINANCIAL, INC. 2024 EQUITY INCENTIVE PLAN This Incentive Stock Option Award Agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the BV Financial, Inc. 2024 Equity Incentive Plan (the “Plan”), which are incorporated herein by reference and made a part

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCIA

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ____)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

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NOTICE OF 2024 ANNUAL MEETING AND PROXY STATEMENT$1' $118$/5(3257 )257+(<($5(1'(' '(&(0%(5   
  B BV Financial, Inc.

BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program

Exhibit 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Announces Adoption and Regulatory Non-Objection for Stock Repurchase Program Baltimore, Maryland, July 30, 2024 — BV Financial, Inc. (the “Company”) (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), announced today that the Company has adopted, and received the non-objection of the Federal Reserve Bank of Richmond (the “Fed

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 30, 2024 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 18, 2024– BV Financial, Inc. (NASDAQ: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.4 million, or $0.32 per diluted share, for the quarter ended June 30, 2024 compared to net income of $3.9 million, or

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 18, 2024 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF TH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCI

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2024 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, April 22, 2024– BV Financial, Inc. (NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $2.6 million or $0.24 per diluted share for the quarter ended March 31, 2024 compared to net income of $3.1 mi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-41764 BV FINANCIAL, I

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Name State or Jurisdiction of Incorporation Ownership Percentage BayVanguard Bank Maryland 100% BV Real Estate, LLC(1) Maryland 100% 1920 Rock Spring Road, LLC(1) Maryland 100% Idlewild Properties, LLC(1) Maryland 100% (1) Wholly-owned subsidiary of BayVanguard Bank

Clawback Policy

Exhibit 99.7 BV FINANCIAL, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of BV Financial, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of certain incentive compensation in the event of an accounting restatement. The Company has adopted this Policy as a su

Description of BV Financial, Inc.’s Securities

Exhibit 4.2 DESCRIPTION OF CAPITAL STOCK OF BV FINANCIAL General BV Financial, Inc. (“BV Financial”) is authorized to issue 45,000,000 shares of common stock, par value of $0.01 per share, and 1,000,000 shares of preferred stock, par value $0.01 per share. Each share of common stock has the same relative rights as, and are identical in all respects to, each other share of common stock. All shares

US05603E2081 / BV FINANCIAL INC / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* BV Financial Inc (Name of Issuer) Common Stock (Title of Class of Securities) 05603E208 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedul

US05603E2081 / BV FINANCIAL INC / Newtyn Management, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* BV FINANCIAL, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 05603E208 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule p

US05603E2081 / BV FINANCIAL INC / BV Financial, Inc. - BV FINANCIAL, INC. SCHEDULE 13G Passive Investment

SC 13G 1 sc13g2023.htm BV FINANCIAL, INC. SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.)* BV Financial, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 05603E 208 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of This State

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, January 22, 2024– BV Financial, Inc. ( NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $13.7 million or $1.47 per diluted share compared to net income of $10.5 million or $1.32 per diluted share

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2024 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FIN

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, October 23, 2023– BV Financial, Inc. ( NASDAQ: BVFL), (the “Company”) the holding company for BayVanguard Bank (the “Bank”), reported net income of $3.7 million, or $0.35 per diluted share, for the quarter ended September 30, 2023 compared to net income o

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2023 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission Fil

As filed with the Securities and Exchange Commission on August 15, 2023

As filed with the Securities and Exchange Commission on August 15, 2023 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-41764 BV FINANCIA

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2023 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 26, 2023– BV Financial, Inc. (OTCBB: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.9 million, or $0.52 per diluted share, for the quarter ended June 30, 2023 compared to net income of $2.8 million, or $

8A CERT

The Nasdaq Stock Market LLC, 805 King Farm Blvd., Rockville, MD 20850 Eun Ah Choi Senior Vice President U.S. Listing Qualifications & Market Surveillance July 31, 2023 Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Division of Corporation Finance: This is to certify that on July 31, 2023, The Nasdaq Stock Market LLC (the "Exchange"

BV Financial, Inc. Announces Completion of Conversion and Related Stock Offering

Exhibit 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Announces Completion of Conversion and Related Stock Offering Baltimore, Maryland, July 31, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank, announced that Bay-Vanguard, M.H.C., Inc. (the “MHC”), has completed its conversion from the mutual holding company to the stock holding company form of

Amended and Restated Articles of Incorporation of BV Financial, Inc. (incorporated by reference to

EXHIBIT 3.1 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF BV FINANCIAL, INC. ARTICLE 1. Name. The name of the corporation is BV Financial, Inc. (herein, the “Corporation”). ARTICLE 2. Principal Office. The street address of the principal office of the Corporation in the State of Maryland is 7114 North Point Road, Baltimore, Maryland 21219. ARTICLE 3. Purpose. The purpose for which the Corporat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 31, 2023 BV FINANCIAL, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 31, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

As filed with the Securities and Exchange Commission on July 31, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 BV Financial, Inc. (Exact Name of Registrant as S

Registration No. 333- As filed with the Securities and Exchange Commission on July 31, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BV Financial, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 14-1920944 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employ

Registration Statement on Form 8-A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 BV Financial, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland 14-1920944 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 711

Fee Filings Table

Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) BV Financial, Inc.

BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS

Exhibit 99.1 Contact: Michael J. Dee Chief Financial Officer (410) 477- 5000 BV FINANCIAL, INC. ANNOUNCES FINANCIAL RESULTS Baltimore, Maryland, July 26, 2023– BV Financial, Inc. (OTCBB: BVFL), the holding company for BayVanguard Bank (the “Bank”), today reported net income of $3.9 million, or $0.52 per diluted share, for the quarter ended June 30, 2023 compared to net income of $2.8 million, or $

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2023 BV FINANCIAL, INC. (Exact name of Registrant as Specified in Its Charter) Maryland 001-36094 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2023 BV FINANCIAL, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

BV Financial, Inc. Announces Expected Closing Date of Conversion Transaction

Exhibit 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Announces Expected Closing Date of Conversion Transaction Baltimore, Maryland, July 25, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank, announced today that all regulatory approvals have been received to close the conversion of Bay-Vanguard, M.H.C., Inc. (the “MHC”) from mutual to stock form

BV Financial, Inc. Announces Completion of the Community Offering

Exhibit 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Announces Completion of the Community Offering Baltimore, Maryland, July 18, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank, announced today that that the community offering in connection with the conversion of Bay-Vanguard, M.H.C., Inc. from mutual to stock form was completed today in accor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 18, 2023 BV FINANCIAL, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 18, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

BV Financial, Inc. Extends Community Offering

EXHIBIT 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Extends Community Offering Baltimore, Maryland, June 30, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank (the “Bank”), announced today that the Company has extended the community offering to sell the shares of common stock not subscribed for in the subscription offering. As of the date hereof

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 30, 2023 BV FINANCIAL, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 30, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-36094 BV FINANCI

BV Financial Announces Stockholder and Member Approvals for Pending Conversion Transaction

EXHIBIT 99.1 FOR IMMEDIATE RELEASE BV Financial Announces Stockholder and Member Approvals for Pending Conversion Transaction Baltimore, Maryland, June 29, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank, announced today that the Company’s stockholders and the members of Bay-Vanguard, M.H.C., Inc. (the “MHC”), the Company’s mutual holding compan

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 29, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

(Holding company for BayVanguard Bank) Up to 13,225,000 Shares of Common Stock (Subject to Increase to up to 15,208,750 Shares) Price: $10.00 Per Share

Filed Pursuant to Rule 424(b)(3) Registration No. 333-270496 PROSPECTUS SUPPLEMENT (Holding company for BayVanguard Bank) Up to 13,225,000 Shares of Common Stock (Subject to Increase to up to 15,208,750 Shares) Price: $10.00 Per Share This prospectus supplement supplements the prospectus dated May 15, 2023, and should be read carefully and together with the prospectus. We are increasing the purcha

BV Financial, Inc. Increases Maximum Purchase Limitations and Resolicits Maximum Purchasers from the Subscription Offering

EXHIBIT 99.1 FOR IMMEDIATE RELEASE BV Financial, Inc. Increases Maximum Purchase Limitations and Resolicits Maximum Purchasers from the Subscription Offering Baltimore, Maryland, June 23, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank (the “Bank”), announced today that it increased the maximum purchase limitations in the stock offering being co

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 23, 2023 BV FINANCIAL, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 23, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

BAYVANGUARD BANK 401(k) PROFIT SHARING PLAN Offering of Participation Interests in up to 332,610 Shares BV FINANCIAL, INC. Common Stock

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-270496 Prospectus Supplement BAYVANGUARD BANK 401(k) PROFIT SHARING PLAN Offering of Participation Interests in up to 332,610 Shares of BV FINANCIAL, INC. Common Stock BV Financial, Inc., a Maryland corporation that we refer to as “BV Financial” throughout this prospectus supplement, is offering shares of common stock for sale

PROSPECTUS AND PROXY STATEMENT OF BV FINANCIAL, INC.

424B3 Filed Pursuant to Rule 424(b)(3) Registration No. 333-270496 Dear Fellow Stockholder: BV Financial, Inc. (“BV Financial”), a Maryland corporation and the bank holding company of BayVanguard Bank, is soliciting stockholder votes regarding the mutual-to-stock conversion of Bay-Vanguard, M.H.C, Inc. Pursuant to a Plan of Conversion and Reorganization (the “Plan of Conversion”), our organization

(Holding company for BayVanguard Bank) Up to 13,225,000 Shares of Common Stock (Subject to Increase to up to 15,208,750 Shares)

Filed Pursuant to Rule 424(b)(3) Registration No. 333-270496 PROSPECTUS (Holding company for BayVanguard Bank) Up to 13,225,000 Shares of Common Stock (Subject to Increase to up to 15,208,750 Shares) BV Financial, Inc., a Maryland corporation that we refer to as “BV Financial” throughout this prospectus, is offering shares of common stock for sale on a best-efforts basis in connection with the con

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 22, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File No.)

BV FINANCIAL, INC. ANNOUNCES COMMENCEMENT OF STOCK OFFERING

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE BV FINANCIAL, INC. ANNOUNCES COMMENCEMENT OF STOCK OFFERING Baltimore, Maryland, May 22, 2023 — BV Financial, Inc. (the “Company”) (OTC Pink: BVFL), the holding company for BayVanguard Bank (the “Bank”), announced today that it is commencing its stock offering in connection with the proposed conversion of Bay-Vanguard, M.H.C., Inc. (the “MHC”) from the mu

Agency Agreement dated May 15, 2023, by and among the MHC, BV Financial and BayVanguard Bank and Performance Trust (exhibit omitted)

EX-1.1 Exhibit 1.1 Up to 13,225,000 Shares (Subject to increase up to 15,208,750 in shares as a result of demand for the shares of common stock in the offering or changes in market conditions) BV Financial, Inc. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT May 15, 2023 Performance Trust Capital Partners, LLC 500 West Madison Street Suite 450 Chicago, Illinois

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2023 BV FINANCIAL, INC. (

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2023 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-270496 14-1920944 (State or Other Jurisdiction of Incorporation) (Commission File N

BV Financial, Inc. 7114 North Point Road Baltimore, Maryland 21219

CORRESP 1 filename1.htm BV Financial, Inc. 7114 North Point Road Baltimore, Maryland 21219 May 12, 2023 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: BV Financial, Inc. Registration Statement on Form S-1 (Registration Number 333-270496) Request for Acceleration of Effectiveness Ladies and Gentlemen: BV Financial, Inc. hereby requests that the effective

As filed with the Securities and Exchange Commission on May 12, 2023

S-1/A As filed with the Securities and Exchange Commission on May 12, 2023 Registration No.

May 12, 2023

May 12, 2023 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: BV Financial, Inc. Registration Statement on Form S-1 (Registration Number 333-270496) Request for Acceleration of Effectiveness Ladies and Gentlemen: In accordance with Rule 461 of Regulation C promulgated under the Securities Act of 1933, we hereby join BV Financial, Inc. in requesting that th

Proposed Amended and Restated Articles of Incorporation of BV Financial, Inc.*,**

Exhibit 3.3 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF BV FINANCIAL, INC. ARTICLE 1. Name. The name of the corporation is BV Financial, Inc. (herein, the “Corporation”). ARTICLE 2. Principal Office. The street address of the principal office of the Corporation in the State of Maryland is 7114 North Point Road, Baltimore, Maryland 21219. ARTICLE 3. Purpose. The purpose for which the Corporat

LUSE GORMAN, PC Attorneys at Law 5335 WISCONSIN AVENUE, N.W., SUITE 780 Washington, D.C. 20015 TELEPHONE (202) 274-2000 Facsimile (202) 362-2902 WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2021 [email protected] May 10, 2023

CORRESP LUSE GORMAN, PC Attorneys at Law 5335 WISCONSIN AVENUE, N.W., SUITE 780 Washington, D.C. 20015 TELEPHONE (202) 274-2000 Facsimile (202) 362-2902 www.luselaw.com WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2021 [email protected] May 10, 2023 Via EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, DC 20549 Re: BV Fina

As filed with the Securities and Exchange Commission on May 10, 2023

S-1/A Table of Contents As filed with the Securities and Exchange Commission on May 10, 2023 Registration No.

LETTER

United States securities and exchange commission logo May 9, 2023 David M. Flair Co-President and Chief Executive Officer BV Financial, Inc. 7114 North Point Road Baltimore, Maryland 21219 Re: BV Financial, Inc. Amendment No. 1 to Registration Statement on Form S-1 Filed April 24, 2023 File No. 333-270496 Dear David M. Flair: We have reviewed your amended registration statement and have the follow

As filed with the Securities and Exchange Commission on April 24, 2023

S-1/A Table of Contents As filed with the Securities and Exchange Commission on April 24, 2023 Registration No.

Form of Agency Agreement among Bay-Vanguard, M.H.C., Inc., BayVanguard Bank, BV Financial, Inc. and Performance Trust Capital Partners

Exhibit 1.3 Up to 13,225,000 Shares (Subject to increase up to 15,208,750 in shares as a result of demand for the shares of common stock in the offering or changes in market conditions) BV Financial, Inc. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT May [•], 2023 Performance Trust Capital Partners, LLC 500 West Madison Street Suite 450 Chicago, Illinois 60661

Marketing Materials

EX-99.4 Exhibit 99.4 Dear Valued Depositor: We are writing to tell you of an investment opportunity, and just as importantly, to request your vote on a matter of importance. Pursuant to a Plan of Conversion and Reorganization (the “Plan”), BayVanguard Bank will be converting from the mutual holding company form to the full stock form of organization. In connection with the conversion, BV Financial

Stock Order and Certification Form

EX-99.5 Exhibit 99.5 STOCK ORDER FORM For Internal Use Only PACKAGES TO: BayVanguard Bank Stock Information Center 125 Mountain Rd. Pasadena, MD 21122 BATCH # ORDER # PRIORITY# REC’D CHECK ORDER DEADLINE & DELIVERY: A Stock Order Form, properly completed and with full payment, must be received (not postmarked) before 4:30 p.m., Eastern Time, on June 20, 2023. Subscription rights will become void a

LUSE GORMAN, PC Attorneys at Law 5335 WISCONSIN AVENUE, N.W., SUITE 780 Washington, D.C. 20015 TELEPHONE (202) 274-2000 Facsimile (202) 362-2902 WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2021 [email protected] April 24, 2023

CORRESP LUSE GORMAN, PC Attorneys at Law 5335 WISCONSIN AVENUE, N.W., SUITE 780 Washington, D.C. 20015 TELEPHONE (202) 274-2000 Facsimile (202) 362-2902 www.luselaw.com WRITER’S DIRECT DIAL NUMBER WRITER’S E-MAIL (202) 274-2021 [email protected] April 24, 2023 Via EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, DC 20549 Re: BV Fi

Filing Fee Table*

EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form S-1 (Form Type) BV Financial, Inc.

Update to Appraisal Report

EX-99.8 Exhibit 99.8 PRO FORMA VALUATION UPDATE REPORT SECOND-STEP CONVERSION BV Financial, Inc. ½ Baltimore, Maryland HOLDING COMPANY FOR: BayVanguard Bank ½ Baltimore, Maryland Dated as of April 14, 2023 1311-A Dolley Madison Boulevard Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com April 14, 2023 Boards of Directors Bay-Vanguard, M.H.C. BV Financial, Inc. BayVanguard Bank 7114 Nort

Form of BV Financial, Inc. Stockholder Proxy Card

EX-99.7 Exhibit 99.7 REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF BV FINANCIAL, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON JUNE 29, 2023 The undersigned hereby appoints David M. Flair with full powers of substitution, to act as attorney and proxy for the undersigned to vote all shares of common stock of BV Financial, Inc. that the undersigned is entitled to vote at

Amended and Restated Plan of Conversion and Reorganization of Bay-Vanguard, M.H.C., Inc.

EX-2 Exhibit 2 AMENDED AND RESTATED PLAN OF CONVERSION AND REORGANIZATION OF BAY-VANGUARD, M.

LETTER

United States securities and exchange commission logo April 11, 2023 David M. Flair Co-President and Chief Executive Officer BV Financial, Inc. 7114 North Point Road Baltimore, Maryland 21219 Re: BV Financial, Inc. Registration Statement on Form S-1 Filed March 13, 2023 File No. 333-270496 Dear David M. Flair: We have reviewed your registration statement and have the following comments. In some of

Proposed Amended and Restated Articles of Incorporation of BV Financial, Inc.**

EX-3.3 Exhibit 3.3 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF BV FINANCIAL, INC. The undersigned, Zachary Davis, whose address is 10314 Strathmore Hall Street, Apartment 101, North Bethesda, Maryland 20852, being at least eighteen (18) years of age, does hereby form a corporation under the general laws of the State of Maryland having the following Articles of Incorporation (the “Articles”):

Appraisal Report of RP Financial, LC.

EX-99.3 Exhibit 99.3 Dated as of February 24, 2023 1311-A Dolley Madison Boulevard Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com February 24, 2023 Boards of Directors Bay-Vanguard, M.H.C. BV Financial, Inc. BayVanguard Bank 7114 North Point Road Baltimore, Maryland 21219 Members of the Boards of Directors: At your request, we have completed and hereby provide an independent appraisa

Letter of RP Financial, LC. with respect to value of Subscription Rights

EX-99.2 Exhibit 99.2 March 9, 2023 Boards of Directors Bay-Vanguard, M.H.C., Inc. BV Financial, Inc. BayVanguard Bank 7114 North Point Road Baltimore, Maryland 21219 Re: Plan of Conversion Bay-Vanguard, M.H.C., Inc. BV Financial, Inc. BayVanguard Bank Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have the meanings given such terms in the Plan of Con

Split Dollar Agreement for David M. Flair†

EX-10.6 Exhibit 10.6 BAY-VANGUARD FEDERAL SAVINGS BANK EXECUTIVE SPLIT DOLLAR AGREEMENT This EXECUTIVE SPLIT DOLLAR AGREEMENT is entered into as of this 12th day of April, 2017, by and between Bay-Vanguard Federal Savings Bank, a federally chartered savings institution with its main office in Baltimore, MD (“the Bank”) and David M. Flair (“the Executive”). This Executive Split Dollar Agreement sha

David M. Flair (incorporated by reference to Exhibit 10.1 the Company’s Registration Statement on

EX-10.1 Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into on August 28, 2018, by and between BayVanguard Bank (the “Bank”), BV Financial, Inc. (“BVFI”), the stock holding company of the Bank, Bay-Vanguard, M.H.C., a federal mutual holding company and David M. Flair (“Executive”). Any reference to the “Company” shall mean BVFI and Bay-Vanguard, M

Engagement Letters among BayVanguard Bank, BV Financial, Inc. and Performance Trust Capital Partners (Marketing Agent Services)

EX-1.1 Exhibit 1.1 CONFIDENTIAL October 5, 2022 David M. Flair Co-President & Co-CEO BayVanguard Bank 7114 North Point Road Sparrows Point, MD 21219 Dear Mr. Flair: We understand that the Boards of Directors of Bay-Vanguard, MHC (the “MHC”), BV Financial, Inc. (the “Holding Company”) and BayVanguard Bank (the “Bank”) are considering the adoption of a Plan of Conversion and Reorganization (the “Pla

reference to Exhibit 10.4 the Company’s Registration Statement on Form S-1, as amended (Commission

EX-10.4 Exhibit 10.4 BAY-VANGUARD FEDERAL SAVINGS BANK SALARY CONTINUATION AGREEMENT FOR DAVID M. FLAIR THIS SALARY CONTINUATION PLAN FOR DAVID M. FLAIR (the “Plan”) is effective as of [date], and is entered into by Bay-Vanguard Federal Savings Bank (the “Bank”) and David M. Flair (“Executive”). WHEREAS, the purpose of the Plan is to provide additional retirement benefits to Executive, who, as a m

Change in Control Agreement between BayVanguard Bank and Michael J. Dee (incorporated by reference

EX-10.3 Exhibit 10.3 BAY-VANGUARD FEDERAL SAVINGS BANK THREE-YEAR CHANGE IN CONTROL AGREEMENT This AGREEMENT (“Agreement”) is hereby entered into as of July 1, 2014 by and between BAY-VANGUARD FEDERAL SAVINGS BANK (the “Bank”), a federally-chartered savings bank, with its principal offices at 7114 North Point Road, Baltimore, Maryland 21219, MICHAEL J. DEE (“Executive”), and BV FINANCIAL, INC. (th

As filed with the Securities and Exchange Commission on March 13, 2023

S-1 Table of Contents As filed with the Securities and Exchange Commission on March 13, 2023 Registration No.

Engagement Letter between BV Financial, Inc. and RP Financial, LC. to serve as independent appraiser

EX-99.1 24 d447808dex991.htm EX-99.1 Exhibit 99.1 December 2, 2022 Mr. David M. Flair, Co-President and Co-CEO Mr. Michael J. Dee, EVP and CFO BV Financial, Inc. / BayVanguard Bank 7114 North Point Road Sparrows Point, Maryland 21219 Dear Messrs. Flair and Dee: This letter sets forth the agreement between BayVanguard Bank, Sparrows Point, Maryland (the “Bank”), wholly-owned by BV Financial, Inc. (

Employment Agreement between BayVanguard Bank, BV Financial, Inc., Bay-Vanguard, M.H.C. and Timothy L. Prindle†

EX-10.2 Exhibit 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into on August 29, 2018, by and between BayVanguard Bank (the “Bank”), BV Financial, Inc., (“BVFI”), the stock holding company of the Bank, Bay-Vanguard, M.H.C. a federal mutual holding company and Timothy L. Prindle (“Executive”). Any reference to the “Company” shall mean BVFI and Bay-Vanguar

Filing Fee Table

EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form S-1 (Form Type) BV Financial, Inc.

BV Financial, Inc. 2017 Equity Incentive Plan†

EX-10.7 Exhibit 10.7 BV FINANCIAL, INC. 2017 STOCK OPTION PLAN ARTICLE 1 – GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of the BV Financial, Inc. 2017 Stock Option Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”) and its Subsidiaries, including Bay-Vanguard Federal Savings Bank (the “Bank”), by providing a means to attract,

Amended and Restated Supplemental Director Retirement Agreement with Brian K. McHale†

EX-10.9 Exhibit 10.9 BAY-VANGUARD FEDERAL SAVINGS BANK AMENDED AND RESTATED SUPPLEMENTAL DIRECTOR RETIREMENT AGREEMENT Effective the 1st day of January, 2008, this AMENDED AND RESTATED SUPPLEMENTAL DIRECTOR RETIREMENT AGREEMENT (“Agreement”), between Bay-Vanguard Federal Savings Bank (“Bank”), a bank located in Baltimore, Maryland, and Brian K. McHale (“Director”), amends and restates the Director

reference to Exhibit 10.5 the Company’s Registration Statement on Form S-1, as amended (Commission

EX-10.5 Exhibit 10.5 BAYVANGUARD BANK SALARY CONTINUATION AGREEMENT FOR TIMOTHY L. PRINDLE THIS SALARY CONTINUATION PLAN FOR TIMOTHY L. PRINDLE (the “Plan”) is effective as of August 29, 2018, and is entered into by BayVanguard Bank (the “Bank”) and Timothy L. Prindle (“Executive”). WHEREAS, the purpose of the Plan is to provide additional retirement benefits to Executive, who, as a member of seni

Letter of RP Financial, LC. with respect to Liquidation Rights

EX-99.6 Exhibit 99.6 March 9, 2023 Boards of Directors Bay-Vanguard, M.H.C., Inc. BV Financial, Inc. BayVanguard Bank 7114 North Point Road Baltimore, Maryland 21219 Re: Plan of Conversion Bay-Vanguard, M.H.C., Inc. BV Financial, Inc. Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have the meanings given such terms in the Plan of Conversion (the “Pla

BV Financial, Inc. 2021 Equity Incentive Plan†

EX-10.8 Exhibit 10.8 BV FINANCIAL, INC. 2021 EQUITY INCENTIVE PLAN ARTICLE 1 — GENERAL Section 1.1 Purpose, Effective Date and Term. The purpose of the BV Financial, Inc. 2021 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of BV Financial, Inc. (the “Company”), and its Subsidiaries, including BayVanguard Bank (the “Bank”), by providing a means to attract, retain a

Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-270496), filed on

Exhibit 4 BV FINANCIAL, INC. INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND CUSIP: THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO RESTRICTIONS, SEE REVERSE SIDE THIS CERTIFIES that is the owner of FULLY-PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK, PAR VALUE $0.01 PER SHARE The shares evidenced by this certificate are transferable only on the books of BV Financial, Inc. by the h

Amended and Restated Bylaws of BV Financial Bancorp, Inc

EX-3.2 6 d447808dex32.htm EX-3.2 Exhibit 3.2 BV FINANCIAL, INC. AMENDED AND RESTATED BYLAWS ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. The Corporation shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does

Amended and Restated Articles of Incorporation of BV Financial, Inc.

EX-3.1 Exhibit 3.1 AMENDED AND RESTATED ARTICLES OF INCORPORATION OF BV FINANCIAL, INC. The undersigned, Zachary Davis, whose address is 10314 Strathmore Hall Street, Apartment 101, North Bethesda, Maryland 20852, being at least eighteen (18) years of age, does hereby form a corporation under the general laws of the State of Maryland having the following Articles of Incorporation (the “Articles”):

Subsidiaries of BV Financial, Inc.

EX-21 Exhibit 21 Subsidiaries of BV Financial Inc. Name Percent Ownership State of Incorporation BayVanguard Bank 100 % Maryland Easton Capital Trust I 100 % Delaware Subsidiaries of BayVanguard Bank Name Percent Ownership State of Incorporation BV Real Estate, LLC 100 % Maryland 1920 Rock Spring Road, LLC 100 % Maryland Idlewild Properties, LLC 100 % Maryland

Plan of Conversion and Reorganization of Bay-Vanguard, M.H.C., Inc.

Exhibit 2 PLAN OF CONVERSION AND REORGANIZATION OF BAY-VANGUARD, M.H.C., INC. TABLE OF CONTENTS 1. INTRODUCTION 1 2. DEFINITIONS 2 3. PROCEDURES FOR CONVERSION 8 4. APPLICATIONS AND APPROVALS 10 5. SALE OF SUBSCRIPTION SHARES 10 6. PURCHASE PRICE AND NUMBER OF SUBSCRIPTION SHARES 11 7. RETENTION OF CONVERSION PROCEEDS BY THE HOLDING COMPANY 12 8. SUBSCRIPTION RIGHTS OF ELIGIBLE ACCOUNT HOLDERS (FI

Engagement Letters among BayVanguard Bank, BV Financial, Inc. and Performance Trust Capital Partners (Records Agent and Stock Information Center Manager Services)

EX-1.2 Exhibit 1.2 CONFIDENTIAL October 5, 2022 David M. Flair Co-President & Co-CEO BayVanguard Bank 7114 North Point Road Sparrows Point, MD 21219 Dear Mr. Flair: We understand that the Boards of Directors of Bay-Vanguard, MHC (the “MHC”), BV Financial, Inc. (the “Holding Company”) and BayVanguard Bank (the “Bank”) are considering the adoption of a Plan of Conversion and Reorganization (the “Pla

BVFL / BV Financial, Inc. / Galli Joseph S - UPDATED OWNERSHIP FILING Passive Investment

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G UNDER THE SECURITIES EXCHANGE ACT OF 1934 BV FINANCIAL, INC.

BVFL / BV Financial, Inc. / Galli Joseph S - INITIAL FILING Passive Investment

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G UNDER THE SECURITIES EXCHANGE ACT OF 1934 BV FINANCIAL, INC.

SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 ddef14a.htm DEFINITIVE PROXY STATEMENT SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission only (as permitted by Rule 14a-6(e)(2)) x Definitive Proxy Statement ¨

S-8 POS

S-8 POS 1 bvfinancialforms8pos0925-09.txt 1 As filed with the Securities and Exchange Commission on September 25, 2009 Registration No. 333-122247 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 BV FINANCIAL, INC. (exact name of registrant as specified in its charter) UNITED S

15-12G

15-12G 1 bvfinancialform15sept25-09.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No. 0-51014 BV Financial, Inc. - (Exact name

S-8 POS

1 As filed with the Securities and Exchange Commission on September 25, 2009 Registration No.

Consent of Independent Registered Public Accounting Firm

Exhibit 23.0 Exhibit 23.0 Consent of Independent Registered Public Accounting Firm BV Financial, Inc. Baltimore, Maryland We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 18, 2009, relating to the consolidated financial statements, which appears in this Annual Repor

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 24, 2009 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IR

List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100% United States

Exhibit 21.0 Exhibit 21.0 List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100% United States Bay-Vanguard Federal Savings Bank Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Housing Recovery Corporation 100% Maryland

EX-99.1

EX-99.1 2 bvfinancial8k9-24release.txt 1 Contact: - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. ANNOUNCES DATE OF ANNUAL MEETING Baltimore, Maryland. September 24, 2009. - BV Financial, Inc. (OTCBB: BVFL) today announced that its annual meeting of stockholders will be held at Bay-Vanguard Federal Savings Bank's Arundel Mills branch, Hanover

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-K for the fiscal year ended June 30, 2009, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as added by Sec

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-K

10-K 1 d10k.htm FORM 10-K Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2009 OR ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 17, 2009 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS

EX-99.1

EX-99.1 2 bvfinancialexb99sept17-09.txt EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. ANNOUNCES DECISION TO DEREGISTER ITS COMMON STOCK September 17, 2009, Baltimore, Maryland - BV Financial, Inc. (OTCBB: BVFL) today announced that it plans to deregister its common stock and suspend its reporting ob

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 PRESS RELEASE BV FINANCIAL, INC. ANNOUNCES CASH DIVIDEND Baltimore, Maryland; August 20, 2009. The Board of Directors of BV Financial, Inc. (the "Company") (OTCBB: BVFL) announced that it declared a cash dividend on the Company's outstanding shares of common stock for the quarter ended June

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 20, 2009 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS E

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 30, 2009 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Emp

EX-99.1

Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 PRESS RELEASE BV FINANCIAL, INC. ANNOUNCES CASH DIVIDEND Baltimore, Maryland; May 21, 2009. The Board of Directors of BV Financial, Inc. (the "Company") (OTCBB: BVFL) announced that it declared a cash dividend on the Company's outstanding shares of common stock for the quarter ended March 31, 2009. The

8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2009 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Employ

AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK EMPLOYMENT AGREEMENT

Exhibit 10.1 Exhibit 10.1 AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK EMPLOYMENT AGREEMENT THIS AGREEMENT, originally entered into on 12th day of January, 2005 (the “Agreement”), by and between BAY-VANGUARD FEDERAL SAVINGS BANK, a federally-chartered savings bank (the “Bank”), and EDMUND T. LEONARD (“Executive”), is amended and restated in its entirety as of December 18, 2008. Reference

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK TWO-YEAR EMPLOYMENT AGREEMENT

EX-10.5 6 dex105.htm EXHIBIT 10.5 Exhibit 10.5 AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK TWO-YEAR EMPLOYMENT AGREEMENT THIS AGREEMENT, originally entered into on the 12th day of January, 2005 (the “Agreement”), by and between BAY-VANGUARD FEDERAL SAVINGS BANK, a federally-chartered savings bank (the “Bank”), and DANIEL J. GALLAGHER, JR. (“Executive”), is amended and restated in its en

AMENDED AND RESTATED BV FINANCIAL, INC. EMPLOYMENT AGREEMENT

EX-10.4 5 dex104.htm EXHIBIT 10.4 Exhibit 10.4 AMENDED AND RESTATED BV FINANCIAL, INC. EMPLOYMENT AGREEMENT THIS AGREEMENT, originally entered into the 12th day of January, 2005 (the “Agreement”), by and between BV FINANCIAL, INC., a federally-chartered corporation (the “Company”) and CAROLYN M. MROZ (“Executive”), is amended and restated in its entirety as of December 18, 2008. References to the

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-Q for the quarterly period ended March 31, 2009, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as add

AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK CHANGE IN CONTROL SEVERANCE COMPENSATION PLAN

Exhibit 10.6 Exhibit 10.6 AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK CHANGE IN CONTROL SEVERANCE COMPENSATION PLAN A. Purpose. The purpose of the Bay-Vanguard Federal Savings Bank Change in Control Severance Compensation Plan (the “Plan”) is to ensure the successful continuation of the business of Bay-Vanguard Federal Savings Bank (the “Bank”) and the fair and equitable treatment of th

AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK EMPLOYMENT AGREEMENT

Exhibit 10.3 Exhibit 10.3 AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK EMPLOYMENT AGREEMENT THIS AGREEMENT, originally entered into the 12th day of January, 2005 (the “Agreement”), by and between BAY-VANGUARD FEDERAL SAVINGS BANK, a federally-chartered savings bank (the “Bank”), and CAROLYN M. MROZ (“Executive”), is amended and restated in its entirety as of December 18, 2008. References

AMENDED AND RESTATED BV FINANCIAL, INC. EMPLOYMENT AGREEMENT

EX-10.2 3 dex102.htm EXHIBIT 10.2 Exhibit 10.2 AMENDED AND RESTATED BV FINANCIAL, INC. EMPLOYMENT AGREEMENT THIS AGREEMENT, originally entered into this 12th day of January, 2005 (the “Agreement”), by and between BV FINANCIAL, INC., a federally-chartered corporation (the “Company”) and EDMUND T. LEONARD (“Executive”), is amended and restated in its entirety as of December 18, 2008. References to t

AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN As of December 17, 2008 Amended and Restated Bay-Vanguard Federal Savings Bank Supplemental Executive Retirement Plan Table of Contents Article I Introducti

EX-10.7 8 dex107.htm EXHIBIT 10.7 Exhibit 10.7 AMENDED AND RESTATED BAY-VANGUARD FEDERAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN As of December 17, 2008 Amended and Restated Bay-Vanguard Federal Savings Bank Supplemental Executive Retirement Plan Table of Contents Article I Introduction 1 Article II Definitions 1 Article III Eligibility and Participation 3 Article IV Benefits 3 Article

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 PRESS RELEASE BV FINANCIAL, INC. ANNOUNCES CASH DIVIDEND Baltimore, Maryland; February 19, 2009. The Board of Directors of BV Financial, Inc. (the "Company") (OTCBB: BVFL) announced that it declared a cash dividend on the Company's outstanding shares of common stock for the quarter ended De

8-K

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 19, 2009 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-Q for the quarterly period ended December 31, 2008, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

EX-99.1

EXHIBIT 99.1 IMPORTANT NOTICE CONCERNING THE BAY-VANGUARD FEDERAL SAVINGS BANK 401(K) PROFIT SHARING PLAN AND YOUR ABILITY TO TRADE SHARES OF BV FINANCIAL INC.'S SECURITIES December 2, 2008 This notice is being sent to all executive officers and directors of BV Financial, Inc. in accordance with Section 306(a) of the Sarbanes-Oxley Act of 2002 and Rule 104 of Securities and Exchange Regulation BTR

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 31, 2008 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Em

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 PRESS RELEASE BV FINANCIAL, INC. ANNOUNCES CASH DIVIDEND Baltimore, Maryland; November 20, 2008. The Board of Directors of BV Financial, Inc. (the "Company") (OTCBB: BVFL) announced today that it declared a cash dividend on the Company's outstanding shares of common stock for the quarter en

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 20, 2008 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS E

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-Q for the quarterly period ended September 30, 2008, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Form 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Definitive Proxy Statement SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-K

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2008 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-51014 BV FINANCIAL, INC. (Exact name of regist

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-K for the fiscal year ended June 30, 2008, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as added by Sec

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 26, 2008 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IR

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL INC. ANNOUNCES DATE OF ANNUAL MEETING Baltimore, Maryland. September 26, 2008. - BV Financial, Inc. (OTCBB: BVFL) today announced that its annual meeting of stockholders will be held at the Courtyard Marriott Hotel, 1671 West Nursery Road, Linthicum, Maryland on Thursday, Novem

Consent of Independent Registered Public Accounting Firm

Exhibit 23.0 Exhibit 23.0 Consent of Independent Registered Public Accounting Firm BV Financial, Inc. Baltimore, Maryland We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 17, 2008, relating to the consolidated financial statements, which appears in this Annual Repor

List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100% United States

Exhibit 21.0 Exhibit 21.0 List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100% United States Bay-Vanguard Federal Savings Bank Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Housing Recovery Corporation 100% Maryland

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 24, 2008 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Emp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB (Mark One) x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2008 OR ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the transition period from to Commission file number: 0-51014 BV FINANCIAL, INC. (Ex

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended March 31, 2008, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as a

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 20, 2008 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Em

EX-99

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL INC. ANNOUNCES STOCK REPURCHASE PROGRAM Baltimore, Maryland. March 20, 2008. - BV Financial, Inc. (OTCBB: BVFL) today announced that the Company's Board of Directors has approved the repurchase of up to 10% of the Company's outstanding common stock (excluding shares held by the

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 18, 2008 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Empl

EX-99.1

EXHIBIT 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE Contact: - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. TO INCREASE ALLOWANCE FOR LOAN LOSSES MARCH 18, 2008, Baltimore, Maryland - BV Financial, Inc. (the "Company") (OTCBB: BVFL), the parent company of Bay-Vanguard Federal Savings Bank, today announced that it has added $111,075 to its allow

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 26, 2008 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS

EX-99.1

EXHIBIT 99.1 PRESS RELEASE FOR IMMEDIATE RELEASE Contact: - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. ANNOUNCES COMPLETION OF STOCK REPURCHASE PROGRAM February 26, 2008, Baltimore, Maryland. BV Financial, Inc. (OTCBB: BVFL) today announced that the Company has completed its previously announced stock repurchase program of 50,277 shares. B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB (Mark One) x QUARTERLY REPORT UNDER SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2007 OR ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the transition period from to Commission file number: 0-51014 BV FINANCIAL, INC.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended December 31, 2007, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL INC. ANNOUNCES 10B5-1 REPURCHASE PLAN Baltimore, Maryland. December 21, 2007. - BV Financial, Inc. (OTCBB: BVFL) announced that on November 27, 2007, the Company entered into a Rule 10b5-1 repurchase plan with Sandler O'Neill & Partners, L.P. under which Sandler O'Neill will re

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 21, 2007 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB (Mark One) x QUARTERLY REPORT UNDER SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2007 OR ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the transition period from to Commission file number: 0-51014 BV FINANCIAL, INC

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended September 30, 2007, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to

10KSB/A

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-KSB/A [X] ANNUAL REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2007 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-51014 BV FINANCIAL, INC. - (Name of small

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 ddef14a.htm DEFINITIVE PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission only (as permitted by Rule 14a-6(e)(2)) x Definitive Proxy

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-KSB for the fiscal year ended June 30, 2007, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as added by S

Consent of Independent Registered Public Accounting Firm

Exhibit 23.0 Exhibit 23.0 Consent of Independent Registered Public Accounting Firm BV Financial, Inc. Baltimore, Maryland We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 11, 2007, relating to the consolidated financial statements, which appears in this Annual Repor

List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100 % United States

Exhibit 21.0 Exhibit 21.0 List of Subsidiaries Registrant: BV Financial, Inc. Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Bay-Vanguard Federal Savings Bank 100 % United States Bay-Vanguard Federal Savings Bank Subsidiaries Percentage Ownership Jurisdiction or State of Incorporation Housing Recovery Corporation 100 % Maryland

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB x ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2007 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-51014 BV FINANCIAL, INC. (Name o

EX-99.1

EXHIBIT 99.1 Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. ANNOUNCES DATE OF ANNUAL MEETING Baltimore, Maryland. September 21, 2007. - BV Financial, Inc. (OTCBB: BVFL) today announced that its annual meeting of stockholders will be held at the Courtyard Marriott Hotel, 1671 West Nursery Road, Linthicum, Maryland on Thursday, Nove

8-K

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 21, 2007 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IR

EX-99.1

1 **PRESS RELEASE** Contacts: Carroll E. Amos Greater Atlantic Financial Corp. President and Chief Executive Officer (703) 391-1300 Edmund T. Leonard BV Financial, Inc. Chairman of the Board and Chief Financial Officer (410) 547-1088 GREATER ATLANTIC BANK COMPLETES SALE OF ITS PASADENA, MARYLAND, BRANCH OFFICE TO BAY-VANGUARD FEDERAL SAVINGS BANK Reston, Virginia and Baltimore, Maryland; August 24

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 24, 2007 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS E

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 16, 2007 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) United States 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Emp

EX-99.1

PRESS RELEASE FOR IMMEDIATE RELEASE Contact: - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL, INC. ANNOUNCES COMPLETION OF STOCK REPURCHASE PROGRAM AND APPROVAL OF NEW STOCK REPURCHASE PROGRAM Baltimore, Maryland. August 16, 2007. - BV Financial (OTCBB: BVFL) announced that it has completed its previously announced stock repurchase program. Under t

Current Report

8-K 1 bvfinancial8kjune25.txt 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 21, 2007 BV FINANCIAL, INC. (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdic

EX-99

Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BV FINANCIAL INC. ANNOUNCES 10B5-1 REPURCHASE PLAN Baltimore, Maryland. June 5, 2007. - BV Financial, Inc. (OTCBB: BVFL) today announced that, between June 8, 2007 and September 1, 2007, its previously announced stock repurchase plan for up to 132,250 shares, or 5% of the Company's outstanding common st

8-K

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 5, 2007 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS Empl

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended March 31, 2007, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Form 10QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

LETTER

Mail Stop 4561 April 5, 2007 Edmund T. Leonard Chairman of the Board and Chief Financial Officer BV Financial, Inc. 7114 North Point Road Baltimore, MD 21219 Re: BV Financial, Inc. Form 10-KSB for Fiscal Year Ended June 30, 2006 Filed September 28, 2006 File No. 000-51014 Dear Mr. Leonard: We have completed our limited review of your Form 10-K and related filings and have no further comments at th

8-K

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 12, 2007 BV FINANCIAL, INC. (Exact Name of Registrant as Specified in Charter) United States 0-51014 14-1920944 - - - - (State or Other Jurisdiction) (Commission File No.) (I.

EX-99.1

1 **PRESS RELEASE** Contact: Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 BAY-VANGUARD FEDERAL SAVINGS BANK AGREES TO BUY THE PASADENA, MARYLAND BRANCH OFFICE OF GREATER ATLANTIC BANK Baltimore, Maryland; April 12, 2007. BV Financial, Inc. (the "Company") (OTCBB: BVFL.OB) announced that its wholly owned subsidiary, Bay-Vanguard Federal Savings Bank ("Bay-Vangu

Consent of Beard Miller Company LLP

Exhibit 23.0 Exhibit 23.0 Consent of Beard Miller Company LLP We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (File No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 6, 2006, except for note 1, Earnings per share (restated), as to which the date is March 14, 2007, relating to the consolidated financial statements o

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-KSB/A for the fiscal year ended June 30, 2006, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as added by

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB/A No. 2

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB/A No. 2 x ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2006 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-51014 BV FINANCIAL, INC.

CORRESP

1 March 30, 2007 VIA EDGAR - - Mr. Paul Cline Senior Accountant Securities and Exchange Commission 100 F. St., NE Washington, DC 20549 Re: BV FINANCIAL, INC. FORM 10-KSB FOR FISCAL YEAR ENDED JUNE 30, 2006 FILED SEPTEMBER 28, 2006 FILE NO. 000-51014 - Dear Mr. Cline: On behalf of our client, BV Financial, Inc. (the "Company"), we are responding to the comment received from your office by letter da

LETTER

Mail Stop 4561 March 7, 2007 By U.S. Mail and facsimile to (410) 477-1020. Edmund T. Leonard Chairman of the Board and Chief Financial Officer BV Financial, Inc. 7114 North Point Road Baltimore, MD 21219 Re: BV Financial, Inc. Form 10-KSB for Fiscal Year Ended June 30, 2006 Filed September 28, 2006 File No. 000-51014 Dear Mr. Leonard: We have reviewed your response filed on February 26, 2007 and h

Consent of Beard Miller Company LLP

CONSENT OF BEARD MILLER CO. Exhibit 23.0 Consent of Beard Miller Company LLP We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (File No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 6, 2006, except for note 1, Earnings per share, as to which the date is February 23, 2007, relating to the consolidated financial state

CORRESP

[MULDOON MURPHY & AGUGGIA LLP LETTERHEAD] February 26, 2007 VIA EDGAR - - Mr. Paul Cline Senior Accountant Securities and Exchange Commission 100 F. St., NE Washington, DC 20549 Re: BV FINANCIAL, INC. FORM 10-KSB FOR FISCAL YEAR ENDED JUNE 30, 2006 FILED SEPTEMBER 28, 2006 FILE NO. 000-51014 - Dear Mr. Cline: On behalf of our client, BV Financial, Inc. (the "Company"), we are responding to comment

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

SECTION 1350 CERTIFICATION Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-KSB/A for the fiscal year ended June 30, 2006, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 135

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB/A

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-KSB/A x ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2006 ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-51014 BV FINANCIAL, INC. (Name

8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 21, 2007 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS E

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended December 31, 2006, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB (Mark One) x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2006 OR ¨ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the transition period from to Commission file number: 0-51014 BV FINANCIAL, INC.

LETTER

Mail Stop 4561 January 30, 2007 By U.S. Mail and facsimile to (410) 477-1020. Edmund T. Leonard Chairman of the Board and Chief Financial Officer BV Financial, Inc. 7114 North Point Road Baltimore, MD 21219 Re: BV Financial, Inc. Form 10-KSB for Fiscal Year Ended June 30, 2006 Filed September 28, 2006 File No. 000-51014 Dear Mr. Leonard: We have reviewed your filing and have the following comment.

EX-99.1

Contact: - - Edmund T. Leonard Chairman of the Board and Chief Financial Officer (410) 547-1088 PRESS RELEASE BV FINANCIAL, INC. ANNOUNCES CASH DIVIDEND Baltimore, Maryland; November 16, 2006. The Board of Directors of BV Financial, Inc. (the "Company") (OTCBB: BVFL) today declared a cash dividend on the Company's outstanding shares of common stock for the quarter ended September 30, 2006. The div

Current Report

1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 16, 2006 BV FINANCIAL, INC. - (Exact name of registrant as specified in its charter) UNITED STATES 0-51014 14-1920944 - - - (State or other jurisdiction of (Commission (IRS

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Section 906 CEO and CFO Certification Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of BV Financial, Inc. (the “Company”) on Form 10-QSB for the quarterly period ended September 30, 2006, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-QSB

Form 10-QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 ddef14a.htm DEFINITIVE PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant n Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission only (as permitted by Rule 14a-6(e)(2)) n Definitive Proxy

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

EXHIBIT 32.0 Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of BV Financial, Inc. (the “Company”) on Form 10-KSB for the fiscal year ended June 30, 2006, as filed with the Securities and Exchange Commission (the “Report”), I hereby certify pursuant to 18 U.S.C. Section 1350, as added by S

Consent of Beard Miller Company LLP

EXHIBIT 23.0 Exhibit 23 Consent of Beard Miller Company LLP We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (File No. 333-122247 and No. 333-129849) of BV Financial, Inc. of our report dated September 6, 2006, relating to the consolidated financial statements of BV Financial, Inc., which appears in this Form 10-KSB. Beard Miller Company LLP Baltimore,