<p>)</p>
<p>概述</p>
<ul>
<li>金融机构第四季度净收入同比大幅增长</li>
</ul>
<ul>
<li>公司第四季度调整后净收入同比增加</li>
</ul>
<ul>
<li>公司宣布高管领导层变动</li>
</ul>
<p>展望</p>
<ul>
<li>BV Financial 在新闻稿中未提供未来季度或全年具体指导</li>
</ul>
<p>业绩驱动因素</p>
<ul>
<li>净利息收入 - 由于利息收益资产的收益率高于利息负债的成本，净利息收入有所增加</li>
</ul>
<ul>
<li>信贷损失恢复 - 信贷损失准备金的恢复对季度业绩产生了积极影响</li>
</ul>
<ul>
<li>债务再融资 - 通过从联邦住房贷款银行获得低成本的次级债务再融资改善了财务状况</li>
</ul>
<p>关键细节</p>
<p>指标 超出/未达 实际 预期</p>
<p>s s</p>
<p>估计</p>
<h3>第四季度每股收益 $0.57</h3>
<p>第四季度净收入 $4.80</p>
<p>百万</p>
<p>第四季度净利息收入 $9.80</p>
<p>百万</p>
<p>收入</p>
<p>第四季度净利息收益率 4.52%</p>
<p>利息</p>
<p>利润率</p>
<p>新闻稿：如对本报告中的数据有任何疑问，请联系 Estimates.Support@lseg.com。如有其他问题或反馈，请联系。（本故事是基于 LSEG 和公司数据，通过路透社自动化和人工智能创建的。在发布之前由路透社记者进行了检查和编辑。）</p>

BVFL

<p>BV Financial 报告第四季度净收入显著增长，同比翻倍。调整后的净收入也有所上升，主要受益于净利息收入的增加和信用损失准备金的恢复。公司对次级债务进行了再融资，增强了其财务状况。然而，未提供未来季度的具体指导。关键指标包括第四季度每股收益为 0.57 美元，净收入为 980 万美元，净利息差为 4.52%</p>

<p>)</p>
<div class="lb-trans"><p>)</p>
</div><p>Overview</p>
<div class="lb-trans"><p>概述</p>
</div><ul>
<li>Financial institution’s Q4 net income rose significantly yr/yr</li>
</ul>
<div class="lb-trans"><ul>
<li>金融机构第四季度净收入同比大幅增长</li>
</ul>
</div><ul>
<li>Company’s Q4 adjusted net income increased yr/yr</li>
</ul>
<div class="lb-trans"><ul>
<li>公司第四季度调整后净收入同比增加</li>
</ul>
</div><ul>
<li>Company announced executive leadership transition</li>
</ul>
<div class="lb-trans"><ul>
<li>公司宣布高管领导层变动</li>
</ul>
</div><p>Outlook</p>
<div class="lb-trans"><p>展望</p>
</div><ul>
<li>BV Financial did not provide specific guidance for future quarters or the full year in the press release</li>
</ul>
<div class="lb-trans"><ul>
<li>BV Financial 在新闻稿中未提供未来季度或全年具体指导</li>
</ul>
</div><p>Result Drivers</p>
<div class="lb-trans"><p>业绩驱动因素</p>
</div><ul>
<li>NET INTEREST INCOME - Increase in net interest income driven by higher yield on interest-earning assets compared to cost on interest-bearing liabilities</li>
</ul>
<div class="lb-trans"><ul>
<li>净利息收入 - 由于利息收益资产的收益率高于利息负债的成本，净利息收入有所增加</li>
</ul>
</div><ul>
<li>CREDIT LOSS RECOVERY - Recovery in provision for credit losses contributed positively to quarterly results</li>
</ul>
<div class="lb-trans"><ul>
<li>信贷损失恢复 - 信贷损失准备金的恢复对季度业绩产生了积极影响</li>
</ul>
</div><ul>
<li>DEBT REFINANCING - Refinancing of subordinated debt with lower cost advances from Federal Home Loan Bank improved financial position</li>
</ul>
<div class="lb-trans"><ul>
<li>债务再融资 - 通过从联邦住房贷款银行获得低成本的次级债务再融资改善了财务状况</li>
</ul>
</div><p>Key Details</p>
<div class="lb-trans"><p>关键细节</p>
</div><p>Metric Beat/Mis Actual Consensu</p>
<div class="lb-trans"><p>指标 超出/未达 实际 预期</p>
</div><p>s s</p>
<div class="lb-trans"><p>s s</p>
</div><p>Estimate</p>
<div class="lb-trans"><p>估计</p>
</div><h3>Q4 EPS $0.57</h3>
<div class="lb-trans"><h3>第四季度每股收益 $0.57</h3>
</div><p>Q4 Net $4.80</p>
<div class="lb-trans"><p>第四季度净收入 $4.80</p>
</div><p>Income mln</p>
<div class="lb-trans"><p>百万</p>
</div><p>Q4 Net $9.80</p>
<div class="lb-trans"><p>第四季度净利息收入 $9.80</p>
</div><p>Interest mln</p>
<div class="lb-trans"><p>百万</p>
</div><p>Income</p>
<div class="lb-trans"><p>收入</p>
</div><p>Q4 Net 4.52%</p>
<div class="lb-trans"><p>第四季度净利息收益率 4.52%</p>
</div><p>Interest</p>
<div class="lb-trans"><p>利息</p>
</div><p>Margin</p>
<div class="lb-trans"><p>利润率</p>
</div><p>Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p>
<div class="lb-trans"><p>新闻稿：如对本报告中的数据有任何疑问，请联系 Estimates.Support@lseg.com。如有其他问题或反馈，请联系。（本故事是基于 LSEG 和公司数据，通过路透社自动化和人工智能创建的。在发布之前由路透社记者进行了检查和编辑。）</p>
</div>

BV Financial 第四季度净收入增长超过一倍