FVCB Fundamental Analysis - FVCBANKCORP INC

Fundamental Rating

Taking everything into account, FVCB scores 4 out of 10 in our fundamental rating. FVCB was compared to 391 industry peers in the Banks industry. FVCB may be in some trouble as it scores bad on both profitability and health. FVCB has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

FVCB had positive earnings in the past year.

In the past year FVCB had a positive cash flow from operations.

In the past 5 years FVCB has always been profitable.

Each year in the past 5 years FVCB had a positive operating cash flow.

1.2 Ratios

The Return On Assets of FVCB (0.91%) is comparable to the rest of the industry.

FVCB has a Return On Equity (8.39%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.91%
ROE	8.39%
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

1.3 Margins

The Profit Margin of FVCB (32.44%) is better than 86.96% of its industry peers.

FVCB's Profit Margin has declined in the last couple of years.

FVCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	32.44%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for FVCB has been reduced compared to a year ago.

2.2 Solvency

FVCB has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.

FVCB has a Debt to FCF ratio of 1.03. This is in the better half of the industry: FVCB outperforms 68.03% of its industry peers.

FVCB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.

FVCB's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. FVCB outperforms 75.45% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.03
Altman-Z	N/A

ROIC/WACCN/A

WACC21.13%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FVCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 194.59%, which is quite impressive.

The Earnings Per Share has been decreasing by -2.92% on average over the past years.

The Revenue has grown by 41.35% in the past year. This is a very strong growth!

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 18.31% yearly.

FVCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.50% yearly.

EPS Next Y30.76%

EPS Next 2Y18.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year13.88%

Revenue Next 2Y10.5%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.08, the valuation of FVCB can be described as very reasonable.

Based on the Price/Earnings ratio, FVCB is valued a bit cheaper than the industry average as 61.13% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.35, FVCB is valued rather cheaply.

A Price/Forward Earnings ratio of 9.18 indicates a reasonable valuation of FVCB.

FVCB's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.86. FVCB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.08
Fwd PE	9.18

4.2 Price Multiples

FVCB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	12.03
EV/EBITDA	N/A

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.

FVCB's earnings are expected to grow with 18.31% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.36

PEG (5Y)N/A

EPS Next 2Y18.31%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FVCB has a Yearly Dividend Yield of 1.92%. Purely for dividend investing, there may be better candidates out there.

FVCB's Dividend Yield is slightly below the industry average, which is at 3.60.

Compared to the average S&P500 Dividend Yield of 2.44, FVCB is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.92%

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

5.3 Sustainability

DPN/A

EPS Next 2Y18.31%

EPS Next 3YN/A

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FVCBANKCORP INC

NASDAQ:FVCB (10/13/2025, 8:13:00 PM)

After market: 12.08 0 (0%)

12.08

-0.03 (-0.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-28 2025-10-28/amc

Inst Owners48.42%

Inst Owner Change0%

Ins Owners15.91%

Ins Owner Change1.14%

Market Cap218.04M

Analysts80

Price Target15.43 (27.73%)

Short Float %0.45%

Short Ratio1.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.92%

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)2

Avg EPS beat(2)9.71%

Min EPS beat(2)5.04%

Max EPS beat(2)14.38%

EPS beat(4)3

Avg EPS beat(4)5.38%

Min EPS beat(4)-0.04%

Max EPS beat(4)14.38%

EPS beat(8)5

Avg EPS beat(8)-27.47%

EPS beat(12)8

Avg EPS beat(12)-20.98%

EPS beat(16)10

Avg EPS beat(16)-15.01%

Revenue beat(2)0

Avg Revenue beat(2)-1.23%

Min Revenue beat(2)-1.9%

Max Revenue beat(2)-0.56%

Revenue beat(4)0

Avg Revenue beat(4)-1.04%

Min Revenue beat(4)-1.9%

Max Revenue beat(4)-0.2%

Revenue beat(8)0

Avg Revenue beat(8)-3.59%

Revenue beat(12)2

Avg Revenue beat(12)-6.61%

Revenue beat(16)6

Avg Revenue beat(16)-3.23%

PT rev (1m)0%

PT rev (3m)18.63%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.9%

EPS NY rev (1m)2.12%

EPS NY rev (3m)14.76%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.78%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.48%

Valuation

		Industry Rank	Sector Rank
PE	11.08
Fwd PE	9.18
P/S	3.47
P/FCF	12.03
P/OCF	11.96
P/B	0.9
P/tB	0.92
EV/EBITDA	N/A

EPS(TTM)1.09

EY9.02%

EPS(NY)1.32

Fwd EY10.89%

FCF(TTM)1

FCFY8.31%

OCF(TTM)1.01

OCFY8.36%

SpS3.48

BVpS13.47

TBVpS13.06

PEG (NY)0.36

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.91%
ROE	8.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.44%
GM	N/A
FCFM	28.83%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.03
Debt/EBITDA	N/A
Cap/Depr	26.41%
Cap/Sales	0.16%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	88.86%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC21.13%

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 Y30.76%

EPS Next 2Y18.31%

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 Year13.88%

Revenue Next 2Y10.5%

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-14.65%

FCF growth 3Y-1.55%

FCF growth 5Y-1.1%

OCF growth 1Y-14.93%

OCF growth 3Y-2.13%

OCF growth 5Y-1.26%

FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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