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Side-by-side financial comparison of BV Financial, Inc. (BVFL) and NATURAL HEALTH TRENDS CORP (NHTC). Click either name above to swap in a different company.

BV Financial, Inc. is the larger business by last-quarter revenue ($10.5M vs $9.7M, roughly 1.1× NATURAL HEALTH TRENDS CORP). BV Financial, Inc. runs the higher net margin — 45.6% vs -6.0%, a 51.6% gap on every dollar of revenue. On growth, BV Financial, Inc. posted the faster year-over-year revenue change (9.2% vs -10.1%). BV Financial, Inc. produced more free cash flow last quarter ($18.8M vs $-964.0K). Over the past eight quarters, BV Financial, Inc.'s revenue compounded faster (11.1% CAGR vs -5.6%).

Virtu Financial, Inc. is an American high-frequency trading company. The company went public on the Nasdaq in 2015.

Sword Health is a digital health company that develops physical therapy programs for musculoskeletal (MSK) conditions, pelvic health, and injury prevention. The company was founded in 2015 in Portugal by Virgílio Bento and Márcio Colunas. Its services include digital physical therapy with artificial intelligence (AI) integrated into the care model. As of 2024, Sword Health operates internationally, with offices in the United States, Ireland, and Portugal. The company has been valued at $3 bil...

BVFL vs NHTC — Head-to-Head

Bigger by revenue
BVFL
BVFL
1.1× larger
BVFL
$10.5M
$9.7M
NHTC
Growing faster (revenue YoY)
BVFL
BVFL
+19.3% gap
BVFL
9.2%
-10.1%
NHTC
Higher net margin
BVFL
BVFL
51.6% more per $
BVFL
45.6%
-6.0%
NHTC
More free cash flow
BVFL
BVFL
$19.8M more FCF
BVFL
$18.8M
$-964.0K
NHTC
Faster 2-yr revenue CAGR
BVFL
BVFL
Annualised
BVFL
11.1%
-5.6%
NHTC

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
BVFL
BVFL
NHTC
NHTC
Revenue
$10.5M
$9.7M
Net Profit
$4.8M
$-588.0K
Gross Margin
72.9%
Operating Margin
66.9%
-6.5%
Net Margin
45.6%
-6.0%
Revenue YoY
9.2%
-10.1%
Net Profit YoY
146.2%
-434.1%
EPS (diluted)
$0.52
$-0.05

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
BVFL
BVFL
NHTC
NHTC
Q4 25
$10.5M
$9.7M
Q3 25
$10.0M
$9.5M
Q2 25
$9.9M
$9.8M
Q1 25
$9.2M
$10.7M
Q4 24
$9.7M
$10.8M
Q3 24
$10.0M
$10.7M
Q2 24
$9.5M
$10.5M
Q1 24
$8.5M
$11.0M
Net Profit
BVFL
BVFL
NHTC
NHTC
Q4 25
$4.8M
$-588.0K
Q3 25
$3.7M
$-431.0K
Q2 25
$2.9M
$15.0K
Q1 25
$2.1M
$122.0K
Q4 24
$2.0M
$176.0K
Q3 24
$3.8M
$35.0K
Q2 24
$3.4M
$173.0K
Q1 24
$2.6M
$188.0K
Gross Margin
BVFL
BVFL
NHTC
NHTC
Q4 25
72.9%
Q3 25
73.7%
Q2 25
73.9%
Q1 25
73.6%
Q4 24
74.2%
Q3 24
74.1%
Q2 24
74.2%
Q1 24
73.4%
Operating Margin
BVFL
BVFL
NHTC
NHTC
Q4 25
66.9%
-6.5%
Q3 25
51.5%
-5.2%
Q2 25
39.9%
-3.4%
Q1 25
29.4%
-3.2%
Q4 24
29.5%
-3.9%
Q3 24
52.4%
-2.6%
Q2 24
49.6%
-2.3%
Q1 24
42.1%
-3.3%
Net Margin
BVFL
BVFL
NHTC
NHTC
Q4 25
45.6%
-6.0%
Q3 25
37.2%
-4.5%
Q2 25
29.0%
0.2%
Q1 25
22.9%
1.1%
Q4 24
20.2%
1.6%
Q3 24
38.0%
0.3%
Q2 24
35.8%
1.7%
Q1 24
30.1%
1.7%
EPS (diluted)
BVFL
BVFL
NHTC
NHTC
Q4 25
$0.52
$-0.05
Q3 25
$0.41
$-0.04
Q2 25
$0.29
$0.00
Q1 25
$0.21
$0.01
Q4 24
$0.18
$0.01
Q3 24
$0.35
$0.00
Q2 24
$0.32
$0.02
Q1 24
$0.24
$0.02

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
BVFL
BVFL
NHTC
NHTC
Cash + ST InvestmentsLiquidity on hand
$55.7M
$28.9M
Total DebtLower is stronger
$35.0M
Stockholders' EquityBook value
$183.8M
$23.4M
Total Assets
$912.2M
$38.4M
Debt / EquityLower = less leverage
0.19×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
BVFL
BVFL
NHTC
NHTC
Q4 25
$55.7M
$28.9M
Q3 25
$63.5M
$32.0M
Q2 25
$56.3M
$34.2M
Q1 25
$70.8M
$41.9M
Q4 24
$70.5M
$43.9M
Q3 24
$94.1M
$46.3M
Q2 24
$90.6M
$48.7M
Q1 24
$78.8M
$54.4M
Total Debt
BVFL
BVFL
NHTC
NHTC
Q4 25
$35.0M
Q3 25
$35.0M
Q2 25
$35.0M
Q1 25
$49.9M
Q4 24
$49.9M
Q3 24
$34.8M
Q2 24
$34.8M
Q1 24
$34.8M
Stockholders' Equity
BVFL
BVFL
NHTC
NHTC
Q4 25
$183.8M
$23.4M
Q3 25
$190.2M
$26.1M
Q2 25
$198.0M
$28.9M
Q1 25
$198.1M
$30.9M
Q4 24
$195.5M
$32.9M
Q3 24
$209.7M
$35.3M
Q2 24
$205.5M
$37.3M
Q1 24
$201.8M
$39.4M
Total Assets
BVFL
BVFL
NHTC
NHTC
Q4 25
$912.2M
$38.4M
Q3 25
$909.4M
$42.3M
Q2 25
$908.3M
$45.2M
Q1 25
$921.9M
$53.2M
Q4 24
$911.8M
$55.4M
Q3 24
$892.7M
$58.3M
Q2 24
$897.2M
$61.5M
Q1 24
$892.5M
$67.6M
Debt / Equity
BVFL
BVFL
NHTC
NHTC
Q4 25
0.19×
Q3 25
0.18×
Q2 25
0.18×
Q1 25
0.25×
Q4 24
0.26×
Q3 24
0.17×
Q2 24
0.17×
Q1 24
0.17×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
BVFL
BVFL
NHTC
NHTC
Operating Cash FlowLast quarter
$19.0M
$-959.0K
Free Cash FlowOCF − Capex
$18.8M
$-964.0K
FCF MarginFCF / Revenue
178.2%
-9.9%
Capex IntensityCapex / Revenue
2.2%
0.1%
Cash ConversionOCF / Net Profit
3.96×
TTM Free Cash FlowTrailing 4 quarters
$34.0M
$-6.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
BVFL
BVFL
NHTC
NHTC
Q4 25
$19.0M
$-959.0K
Q3 25
$8.4M
$113.0K
Q2 25
$2.7M
$-5.6M
Q1 25
$4.4M
$484.0K
Q4 24
$16.1M
$88.0K
Q3 24
$6.1M
$-436.0K
Q2 24
$1.5M
$-3.6M
Q1 24
$4.6M
$549.0K
Free Cash Flow
BVFL
BVFL
NHTC
NHTC
Q4 25
$18.8M
$-964.0K
Q3 25
$8.4M
$70.0K
Q2 25
$2.6M
$-5.6M
Q1 25
$4.2M
$468.0K
Q4 24
$15.5M
$68.0K
Q3 24
$6.0M
$-443.0K
Q2 24
$1.4M
$-3.6M
Q1 24
$4.1M
$538.0K
FCF Margin
BVFL
BVFL
NHTC
NHTC
Q4 25
178.2%
-9.9%
Q3 25
84.0%
0.7%
Q2 25
26.1%
-57.5%
Q1 25
46.0%
4.4%
Q4 24
160.0%
0.6%
Q3 24
59.6%
-4.1%
Q2 24
15.2%
-34.2%
Q1 24
48.4%
4.9%
Capex Intensity
BVFL
BVFL
NHTC
NHTC
Q4 25
2.2%
0.1%
Q3 25
0.1%
0.5%
Q2 25
1.4%
0.0%
Q1 25
2.4%
0.1%
Q4 24
6.3%
0.2%
Q3 24
1.0%
0.1%
Q2 24
0.6%
0.2%
Q1 24
5.1%
0.1%
Cash Conversion
BVFL
BVFL
NHTC
NHTC
Q4 25
3.96×
Q3 25
2.26×
Q2 25
0.95×
-375.67×
Q1 25
2.11×
3.97×
Q4 24
8.23×
0.50×
Q3 24
1.60×
-12.46×
Q2 24
0.44×
-20.62×
Q1 24
1.77×
2.92×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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