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FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

NASDAQ:FVCB - Nasdaq - US36120Q1013 - Common Stock - Currency: USD

12.48  -0.04 (-0.32%)

After market: 12.48 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FVCB. FVCB was compared to 392 industry peers in the Banks industry. FVCB has a bad profitability rating. Also its financial health evaluation is rather negative. FVCB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FVCB had positive earnings in the past year.
FVCB had a positive operating cash flow in the past year.
Each year in the past 5 years FVCB has been profitable.
FVCB had a positive operating cash flow in each of the past 5 years.
FVCB Yearly Net Income VS EBIT VS OCF VS FCFFVCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

With a Return On Assets value of 0.84%, FVCB perfoms like the industry average, outperforming 51.53% of the companies in the same industry.
FVCB has a Return On Equity of 7.79%. This is comparable to the rest of the industry: FVCB outperforms 45.66% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 7.79%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.75%
ROE(3y)6.83%
ROE(5y)7.83%
ROIC(3y)N/A
ROIC(5y)N/A
FVCB Yearly ROA, ROE, ROICFVCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FVCB has a better Profit Margin (31.14%) than 83.93% of its industry peers.
In the last couple of years the Profit Margin of FVCB has declined.
FVCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.73%
PM growth 5Y-3.69%
GM growth 3YN/A
GM growth 5YN/A
FVCB Yearly Profit, Operating, Gross MarginsFVCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

FVCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
FVCB has more shares outstanding than it did 1 year ago.
FVCB has more shares outstanding than it did 5 years ago.
FVCB has a better debt/assets ratio than last year.
FVCB Yearly Shares OutstandingFVCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
FVCB Yearly Total Debt VS Total AssetsFVCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of FVCB is 1.14, which is an excellent value as it means it would take FVCB, only 1.14 years of fcf income to pay off all of its debts.
FVCB has a Debt to FCF ratio of 1.14. This is in the better half of the industry: FVCB outperforms 70.66% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FVCB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.08, FVCB is doing good in the industry, outperforming 76.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC20.98%
FVCB Yearly LT Debt VS Equity VS FCFFVCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FVCB Yearly Current Assets VS Current LiabilitesFVCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 194.59% over the past year.
Measured over the past years, FVCB shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.92% on average per year.
FVCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.35%.
The Revenue has been growing slightly by 2.81% on average over the past years.
EPS 1Y (TTM)194.59%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%30.43%
Revenue 1Y (TTM)41.35%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.04%

3.2 Future

FVCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.76% yearly.
Based on estimates for the next years, FVCB will show a quite strong growth in Revenue. The Revenue will grow by 11.97% on average per year.
EPS Next Y24.24%
EPS Next 2Y15.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.89%
Revenue Next 2Y11.97%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FVCB Yearly Revenue VS EstimatesFVCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
FVCB Yearly EPS VS EstimatesFVCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.45, which indicates a very decent valuation of FVCB.
The rest of the industry has a similar Price/Earnings ratio as FVCB.
The average S&P500 Price/Earnings ratio is at 27.03. FVCB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.91, the valuation of FVCB can be described as reasonable.
FVCB's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.28, FVCB is valued rather cheaply.
Industry RankSector Rank
PE 11.45
Fwd PE 9.91
FVCB Price Earnings VS Forward Price EarningsFVCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FVCB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.75
EV/EBITDA N/A
FVCB Per share dataFVCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

FVCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FVCB's earnings are expected to grow with 15.76% in the coming years.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y15.76%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

FVCB has a Yearly Dividend Yield of 1.87%. Purely for dividend investing, there may be better candidates out there.
FVCB's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to the average S&P500 Dividend Yield of 2.40, FVCB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.87%

5.2 History

FVCB does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
FVCB Yearly Dividends per shareFVCB Yearly Dividends per shareYearly Dividends per share 2025 0.01 0.02 0.03 0.04 0.05

5.3 Sustainability

DPN/A
EPS Next 2Y15.76%
EPS Next 3YN/A
FVCB Yearly Income VS Free CF VS DividendFVCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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FVCBANKCORP INC

NASDAQ:FVCB (8/5/2025, 8:21:28 PM)

After market: 12.48 0 (0%)

12.48

-0.04 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners50.47%
Inst Owner Change0.13%
Ins Owners15.79%
Ins Owner Change9.18%
Market Cap224.89M
Analysts43.33
Price Target14.79 (18.51%)
Short Float %0.42%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date07-28 2025-07-28 (0.06)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.17%
Min EPS beat(2)-0.04%
Max EPS beat(2)14.38%
EPS beat(4)3
Avg EPS beat(4)5.96%
Min EPS beat(4)-0.04%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)-27.79%
EPS beat(12)7
Avg EPS beat(12)-21.65%
EPS beat(16)10
Avg EPS beat(16)-15.27%
Revenue beat(2)0
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-0.56%
Max Revenue beat(2)-0.2%
Revenue beat(4)0
Avg Revenue beat(4)-0.87%
Min Revenue beat(4)-1.48%
Max Revenue beat(4)-0.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.62%
Revenue beat(12)3
Avg Revenue beat(12)-5.7%
Revenue beat(16)7
Avg Revenue beat(16)-2.86%
PT rev (1m)13.73%
PT rev (3m)16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.69%
EPS NY rev (1m)9.05%
EPS NY rev (3m)9.05%
Revenue NQ rev (1m)2.81%
Revenue NQ rev (3m)3.69%
Revenue NY rev (1m)4.16%
Revenue NY rev (3m)4.16%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 9.91
P/S 3.71
P/FCF 13.75
P/OCF 13.63
P/B 0.93
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.09
EY8.73%
EPS(NY)1.26
Fwd EY10.09%
FCF(TTM)0.91
FCFY7.27%
OCF(TTM)0.92
OCFY7.34%
SpS3.37
BVpS13.45
TBVpS13.04
PEG (NY)0.47
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 7.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.14%
GM N/A
FCFM 26.96%
ROA(3y)0.64%
ROA(5y)0.75%
ROE(3y)6.83%
ROE(5y)7.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.73%
PM growth 5Y-3.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 34.21%
Cap/Sales 0.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.98%
ROIC/WACCN/A
Cap/Depr(3y)30.77%
Cap/Depr(5y)36.94%
Cap/Sales(3y)0.34%
Cap/Sales(5y)0.49%
Profit Quality(3y)209.72%
Profit Quality(5y)161.86%
High Growth Momentum
Growth
EPS 1Y (TTM)194.59%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%30.43%
EPS Next Y24.24%
EPS Next 2Y15.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)41.35%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.04%
Revenue Next Year16.89%
Revenue Next 2Y11.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-22.79%
FCF growth 3Y-1.55%
FCF growth 5Y-1.1%
OCF growth 1Y-22.84%
OCF growth 3Y-2.13%
OCF growth 5Y-1.26%