FVCBANKCORP INC (FVCB) Fundamental Analysis & Valuation

NASDAQ:FVCB • US36120Q1013

Current stock price

14.47 USD
-0.3 (-2.03%)
At close:
14.47 USD
0 (0%)
After Hours:

This FVCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FVCB Profitability Analysis

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.
  • Of the past 5 years FVCB 4 years had a positive operating cash flow.
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 2025 5M 10M 15M 20M

1.2 Ratios

  • The Return On Assets of FVCB (0.92%) is comparable to the rest of the industry.
  • With a Return On Equity value of 8.53%, FVCB perfoms like the industry average, outperforming 43.04% of the companies in the same industry.
Industry RankSector Rank
ROA 0.92%
ROE 8.53%
ROIC N/A
ROA(3y)0.61%
ROA(5y)0.78%
ROE(3y)5.62%
ROE(5y)7.93%
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 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 32.83%, FVCB belongs to the top of the industry, outperforming 85.04% of the companies in the same industry.
  • FVCB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FVCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.75%
PM growth 5Y3.22%
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 2025 10 20 30

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3

2. FVCB Health Analysis

2.1 Basic Checks

  • FVCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FVCB has less 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 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of FVCB is 0.89, which is an excellent value as it means it would take FVCB, only 0.89 years of fcf income to pay off all of its debts.
  • FVCB has a better Debt to FCF ratio (0.89) than 71.13% 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 75.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC19.76%
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 2025 50M 100M 150M 200M 250M

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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FVCB Growth Analysis

3.1 Past

  • FVCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.66%, which is quite impressive.
  • FVCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.64% yearly.
  • The Revenue has grown by 15.97% in the past year. This is quite good.
  • The Revenue has been growing slightly by 3.96% on average over the past years.
EPS 1Y (TTM)27.66%
EPS 3Y-2.93%
EPS 5Y5.64%
EPS Q2Q%19.23%
Revenue 1Y (TTM)15.97%
Revenue growth 3Y-0.33%
Revenue growth 5Y3.96%
Sales Q2Q%7.4%

3.2 Future

  • Based on estimates for the next years, FVCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.62% on average per year.
  • FVCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.77% yearly.
EPS Next Y21.55%
EPS Next 2Y16.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.76%
Revenue Next 2Y12.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
FVCB Yearly Revenue VS EstimatesFVCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
FVCB Yearly EPS VS EstimatesFVCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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5

4. FVCB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.06 indicates a correct valuation of FVCB.
  • The rest of the industry has a similar Price/Earnings ratio as FVCB.
  • FVCB is valuated cheaply when we compare the Price/Earnings ratio to 25.79, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of FVCB.
  • FVCB's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of FVCB to the average of the S&P500 Index (23.80), we can say FVCB is valued rather cheaply.
Industry RankSector Rank
PE 12.06
Fwd PE 9.92
FVCB Price Earnings VS Forward Price EarningsFVCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FVCB.
Industry RankSector Rank
P/FCF 12.31
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

  • The 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 16.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)2.14
EPS Next 2Y16.62%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. FVCB Dividend Analysis

5.1 Amount

  • FVCB has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.90, FVCB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.91, FVCB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.64%

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 2026 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y16.62%
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 2025 5M 10M 15M 20M

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FVCB Fundamentals: All Metrics, Ratios and Statistics

FVCBANKCORP INC

NASDAQ:FVCB (3/18/2026, 8:11:00 PM)

After market: 14.47 0 (0%)

14.47

-0.3 (-2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners49.58%
Inst Owner Change-2.32%
Ins Owners15.95%
Ins Owner Change-0.64%
Market Cap259.30M
Revenue(TTM)67.41M
Net Income(TTM)21.31M
Analysts82.86
Price Target18.36 (26.88%)
Short Float %0.43%
Short Ratio1.35
Dividend
Industry RankSector Rank
Dividend Yield 1.64%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-26
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.54%
Min EPS beat(2)-1.96%
Max EPS beat(2)5.04%
EPS beat(4)2
Avg EPS beat(4)4.36%
Min EPS beat(4)-1.96%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)-26.22%
EPS beat(12)7
Avg EPS beat(12)-21.15%
EPS beat(16)9
Avg EPS beat(16)-15.51%
Revenue beat(2)0
Avg Revenue beat(2)-1.64%
Min Revenue beat(2)-1.9%
Max Revenue beat(2)-1.38%
Revenue beat(4)0
Avg Revenue beat(4)-1.01%
Min Revenue beat(4)-1.9%
Max Revenue beat(4)-0.2%
Revenue beat(8)0
Avg Revenue beat(8)-2.37%
Revenue beat(12)1
Avg Revenue beat(12)-6.84%
Revenue beat(16)5
Avg Revenue beat(16)-3.45%
PT rev (1m)12.5%
PT rev (3m)20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)7.52%
EPS NY rev (3m)10.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.69%
Revenue NY rev (3m)8.7%
Valuation
Industry RankSector Rank
PE 12.06
Fwd PE 9.92
P/S 3.99
P/FCF 12.31
P/OCF 12.28
P/B 1.04
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.2
EY8.29%
EPS(NY)1.46
Fwd EY10.08%
FCF(TTM)1.18
FCFY8.13%
OCF(TTM)1.18
OCFY8.14%
SpS3.62
BVpS13.94
TBVpS13.53
PEG (NY)0.56
PEG (5Y)2.14
Graham Number19.4
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 8.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.83%
GM N/A
FCFM 32.45%
ROA(3y)0.61%
ROA(5y)0.78%
ROE(3y)5.62%
ROE(5y)7.93%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.75%
PM growth 5Y3.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.89
Debt/EBITDA N/A
Cap/Depr 12.57%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.76%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.66%
EPS 3Y-2.93%
EPS 5Y5.64%
EPS Q2Q%19.23%
EPS Next Y21.55%
EPS Next 2Y16.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.97%
Revenue growth 3Y-0.33%
Revenue growth 5Y3.96%
Sales Q2Q%7.4%
Revenue Next Year17.76%
Revenue Next 2Y12.77%
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 1Y19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y17.88%
OCF growth 3YN/A
OCF growth 5YN/A

FVCBANKCORP INC / FVCB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FVCBANKCORP INC (FVCB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FVCB.


What is the valuation status for FVCB stock?

ChartMill assigns a valuation rating of 5 / 10 to FVCBANKCORP INC (FVCB). This can be considered as Fairly Valued.


Can you provide the profitability details for FVCBANKCORP INC?

FVCBANKCORP INC (FVCB) has a profitability rating of 4 / 10.


What is the valuation of FVCBANKCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FVCBANKCORP INC (FVCB) is 12.06 and the Price/Book (PB) ratio is 1.04.