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Side-by-side financial comparison of BV Financial, Inc. (BVFL) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.
BV Financial, Inc. is the larger business by last-quarter revenue ($10.5M vs $9.4M, roughly 1.1× Velo3D, Inc.). BV Financial, Inc. runs the higher net margin — 45.6% vs -231.9%, a 277.5% gap on every dollar of revenue. On growth, BV Financial, Inc. posted the faster year-over-year revenue change (9.2% vs -25.2%). BV Financial, Inc. produced more free cash flow last quarter ($18.8M vs $-8.3M). Over the past eight quarters, BV Financial, Inc.'s revenue compounded faster (11.1% CAGR vs -1.8%).
Virtu Financial, Inc. is an American high-frequency trading company. The company went public on the Nasdaq in 2015.
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
BVFL vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $10.5M | $9.4M |
| Net Profit | $4.8M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | 66.9% | -231.0% |
| Net Margin | 45.6% | -231.9% |
| Revenue YoY | 9.2% | -25.2% |
| Net Profit YoY | 146.2% | -2.9% |
| EPS (diluted) | $0.52 | $-0.87 |
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.
| Q4 25 | $10.5M | $9.4M | ||
| Q3 25 | $10.0M | $13.6M | ||
| Q2 25 | $9.9M | $13.6M | ||
| Q1 25 | $9.2M | $9.3M | ||
| Q4 24 | $9.7M | $12.6M | ||
| Q3 24 | $10.0M | $8.2M | ||
| Q2 24 | $9.5M | $10.3M | ||
| Q1 24 | $8.5M | $9.8M |
| Q4 25 | $4.8M | $-21.9M | ||
| Q3 25 | $3.7M | $-11.2M | ||
| Q2 25 | $2.9M | $-13.3M | ||
| Q1 25 | $2.1M | $-25.0M | ||
| Q4 24 | $2.0M | $-21.3M | ||
| Q3 24 | $3.8M | $-21.9M | ||
| Q2 24 | $3.4M | $935.0K | ||
| Q1 24 | $2.6M | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 66.9% | -231.0% | ||
| Q3 25 | 51.5% | -73.3% | ||
| Q2 25 | 39.9% | -85.4% | ||
| Q1 25 | 29.4% | -123.6% | ||
| Q4 24 | 29.5% | -167.0% | ||
| Q3 24 | 52.4% | -213.8% | ||
| Q2 24 | 49.6% | -187.7% | ||
| Q1 24 | 42.1% | -211.1% |
| Q4 25 | 45.6% | -231.9% | ||
| Q3 25 | 37.2% | -82.0% | ||
| Q2 25 | 29.0% | -97.7% | ||
| Q1 25 | 22.9% | -268.4% | ||
| Q4 24 | 20.2% | -168.5% | ||
| Q3 24 | 38.0% | -265.3% | ||
| Q2 24 | 35.8% | 9.0% | ||
| Q1 24 | 30.1% | -281.2% |
| Q4 25 | $0.52 | $-0.87 | ||
| Q3 25 | $0.41 | $-0.65 | ||
| Q2 25 | $0.29 | $-0.94 | ||
| Q1 25 | $0.21 | $-1.87 | ||
| Q4 24 | $0.18 | $7.06 | ||
| Q3 24 | $0.35 | $-35.52 | ||
| Q2 24 | $0.32 | $1.65 | ||
| Q1 24 | $0.24 | $-55.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $55.7M | $39.0M |
| Total DebtLower is stronger | $35.0M | $31.0M |
| Stockholders' EquityBook value | $183.8M | $38.2M |
| Total Assets | $912.2M | $105.3M |
| Debt / EquityLower = less leverage | 0.19× | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.7M | $39.0M | ||
| Q3 25 | $63.5M | $11.8M | ||
| Q2 25 | $56.3M | $854.0K | ||
| Q1 25 | $70.8M | $3.9M | ||
| Q4 24 | $70.5M | $1.2M | ||
| Q3 24 | $94.1M | $1.6M | ||
| Q2 24 | $90.6M | $3.2M | ||
| Q1 24 | $78.8M | $10.9M |
| Q4 25 | $35.0M | $31.0M | ||
| Q3 25 | $35.0M | $23.0M | ||
| Q2 25 | $35.0M | $22.5M | ||
| Q1 25 | $49.9M | $21.7M | ||
| Q4 24 | $49.9M | $5.7M | ||
| Q3 24 | $34.8M | $32.3M | ||
| Q2 24 | $34.8M | $33.5M | ||
| Q1 24 | $34.8M | $44.0M |
| Q4 25 | $183.8M | $38.2M | ||
| Q3 25 | $190.2M | $29.9M | ||
| Q2 25 | $198.0M | $21.4M | ||
| Q1 25 | $198.1M | $32.8M | ||
| Q4 24 | $195.5M | $39.7M | ||
| Q3 24 | $209.7M | $34.4M | ||
| Q2 24 | $205.5M | $52.1M | ||
| Q1 24 | $201.8M | $45.5M |
| Q4 25 | $912.2M | $105.3M | ||
| Q3 25 | $909.4M | $93.7M | ||
| Q2 25 | $908.3M | $78.4M | ||
| Q1 25 | $921.9M | $91.3M | ||
| Q4 24 | $911.8M | $89.2M | ||
| Q3 24 | $892.7M | $110.8M | ||
| Q2 24 | $897.2M | $116.7M | ||
| Q1 24 | $892.5M | $136.1M |
| Q4 25 | 0.19× | 0.81× | ||
| Q3 25 | 0.18× | 0.77× | ||
| Q2 25 | 0.18× | 1.05× | ||
| Q1 25 | 0.25× | 0.66× | ||
| Q4 24 | 0.26× | 0.14× | ||
| Q3 24 | 0.17× | 0.94× | ||
| Q2 24 | 0.17× | 0.64× | ||
| Q1 24 | 0.17× | 0.97× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $19.0M | $-7.7M |
| Free Cash FlowOCF − Capex | $18.8M | $-8.3M |
| FCF MarginFCF / Revenue | 178.2% | -88.3% |
| Capex IntensityCapex / Revenue | 2.2% | 6.4% |
| Cash ConversionOCF / Net Profit | 3.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $34.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.0M | $-7.7M | ||
| Q3 25 | $8.4M | $-6.0M | ||
| Q2 25 | $2.7M | $-1.2M | ||
| Q1 25 | $4.4M | $-12.3M | ||
| Q4 24 | $16.1M | $-2.2M | ||
| Q3 24 | $6.1M | $-2.0M | ||
| Q2 24 | $1.5M | $-8.0M | ||
| Q1 24 | $4.6M | $-20.5M |
| Q4 25 | $18.8M | $-8.3M | ||
| Q3 25 | $8.4M | $-6.3M | ||
| Q2 25 | $2.6M | $-3.0M | ||
| Q1 25 | $4.2M | — | ||
| Q4 24 | $15.5M | $-2.2M | ||
| Q3 24 | $6.0M | $-2.0M | ||
| Q2 24 | $1.4M | $-8.0M | ||
| Q1 24 | $4.1M | $-20.5M |
| Q4 25 | 178.2% | -88.3% | ||
| Q3 25 | 84.0% | -46.5% | ||
| Q2 25 | 26.1% | -22.2% | ||
| Q1 25 | 46.0% | — | ||
| Q4 24 | 160.0% | -17.7% | ||
| Q3 24 | 59.6% | -24.2% | ||
| Q2 24 | 15.2% | -77.1% | ||
| Q1 24 | 48.4% | -209.8% |
| Q4 25 | 2.2% | 6.4% | ||
| Q3 25 | 0.1% | 2.3% | ||
| Q2 25 | 1.4% | 13.3% | ||
| Q1 25 | 2.4% | 0.0% | ||
| Q4 24 | 6.3% | 0.2% | ||
| Q3 24 | 1.0% | 0.2% | ||
| Q2 24 | 0.6% | 0.0% | ||
| Q1 24 | 5.1% | 0.1% |
| Q4 25 | 3.96× | — | ||
| Q3 25 | 2.26× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 2.11× | — | ||
| Q4 24 | 8.23× | — | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 0.44× | -8.52× | ||
| Q1 24 | 1.77× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
