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FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

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

13.11  -0.39 (-2.89%)

After market: 13.11 0 (0%)

Fundamental Rating

4

Overall FVCB gets a fundamental rating of 4 out of 10. We evaluated FVCB against 394 industry peers in the Banks industry. Both the profitability and financial health of FVCB have multiple concerns. FVCB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
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

FVCB has a Return On Assets (0.84%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 7.79%, FVCB is in line with its industry, outperforming 45.43% of the companies in the same industry.
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

With an excellent Profit Margin value of 31.14%, FVCB belongs to the best of the industry, outperforming 84.01% of the companies in the same industry.
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.
Compared to 5 years ago, FVCB has more shares outstanding
Compared to 1 year ago, FVCB has an improved debt to assets ratio.
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 69.54% 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.
Looking at the Debt to Equity ratio, with a value of 0.08, FVCB is in the better half of the industry, outperforming 76.14% 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
WACC20.48%
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

FVCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 175.68%, which is quite impressive.
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 34.13%.
Measured over the past years, FVCB shows a small growth in Revenue. The Revenue has been growing by 2.81% on average per year.
EPS 1Y (TTM)175.68%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%40%
Revenue 1Y (TTM)34.13%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.67%

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.
The Revenue is expected to grow by 11.39% on average over the next years. This is quite good.
EPS Next Y24.24%
EPS Next 2Y15.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.74%
Revenue Next 2Y11.39%
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

FVCB is valuated correctly with a Price/Earnings ratio of 12.85.
FVCB's Price/Earnings ratio is in line with the industry average.
FVCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.51.
The Price/Forward Earnings ratio is 10.41, which indicates a very decent valuation of FVCB.
The rest of the industry has a similar Price/Forward Earnings ratio as FVCB.
FVCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.58.
Industry RankSector Rank
PE 12.85
Fwd PE 10.41
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 14.42
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)0.53
PEG (5Y)N/A
EPS Next 2Y15.76%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for FVCB!.
Industry RankSector Rank
Dividend Yield N/A

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FVCBANKCORP INC

NASDAQ:FVCB (7/15/2025, 4:30:01 PM)

After market: 13.11 0 (0%)

13.11

-0.39 (-2.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners50.47%
Inst Owner Change0%
Ins Owners15.79%
Ins Owner Change8.11%
Market Cap235.85M
Analysts43.33
Price Target13.01 (-0.76%)
Short Float %0.46%
Short Ratio1.51
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)2%
PT rev (3m)2%
EPS NQ rev (1m)7.69%
EPS NQ rev (3m)7.69%
EPS NY rev (1m)9.05%
EPS NY rev (3m)9.05%
Revenue NQ rev (1m)3.69%
Revenue NQ rev (3m)3.69%
Revenue NY rev (1m)3.13%
Revenue NY rev (3m)3.13%
Valuation
Industry RankSector Rank
PE 12.85
Fwd PE 10.41
P/S 3.89
P/FCF 14.42
P/OCF 14.3
P/B 0.97
P/tB 1
EV/EBITDA N/A
EPS(TTM)1.02
EY7.78%
EPS(NY)1.26
Fwd EY9.61%
FCF(TTM)0.91
FCFY6.93%
OCF(TTM)0.92
OCFY6.99%
SpS3.37
BVpS13.47
TBVpS13.06
PEG (NY)0.53
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
WACC20.48%
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)175.68%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%40%
EPS Next Y24.24%
EPS Next 2Y15.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)34.13%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.67%
Revenue Next Year15.74%
Revenue Next 2Y11.39%
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%