13.35 USD
+0.25 (+1.91%)
13.35 USD
0 (0%)
Overall FVCB gets a fundamental rating of 4 out of 10. We evaluated FVCB against 387 industry peers in the Banks industry. FVCB may be in some trouble as it scores bad on both profitability and health. FVCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FVCB was profitable.
In the past year FVCB had a positive cash flow from operations.
In the past 5 years FVCB has always been profitable.
In the past 5 years FVCB always reported a positive cash flow from operatings.
1.2 Ratios
FVCB has a Return On Assets (0.91%) which is comparable to the rest of the industry.
With a Return On Equity value of 8.39%, FVCB perfoms like the industry average, outperforming 45.99% of the companies in the same industry.
| 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
FVCB has a Profit Margin of 32.44%. This is amongst the best in the industry. FVCB outperforms 86.30% of its industry peers.
In the last couple of years the Profit Margin of FVCB has declined.
The Operating Margin and Gross Margin are not available for FVCB so they could not be analyzed.
| 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
2. Health
2.1 Basic Checks
FVCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FVCB has been increased compared to 1 year ago.
The number of shares outstanding for FVCB has been increased compared to 5 years ago.
Compared to 1 year ago, FVCB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FVCB is 1.03, which is an excellent value as it means it would take FVCB, only 1.03 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FVCB (1.03) is better than 65.12% 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 has a better Debt to Equity ratio (0.08) than 73.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FVCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 187.50%, which is quite impressive.
The Earnings Per Share has been decreasing by -2.92% on average over the past years.
Looking at the last year, FVCB shows a very strong growth in Revenue. The Revenue has grown by 41.86%.
FVCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.81% yearly.
EPS 1Y (TTM)187.5%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%24%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
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 16.44% on average per year.
FVCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.09% yearly.
EPS Next Y30.21%
EPS Next 2Y18.54%
EPS Next 3Y16.44%
EPS Next 5YN/A
Revenue Next Year18.12%
Revenue Next 2Y13.12%
Revenue Next 3Y11.09%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.61 indicates a reasonable valuation of FVCB.
FVCB's Price/Earnings ratio is a bit cheaper when compared to the industry. FVCB is cheaper than 64.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of FVCB to the average of the S&P500 Index (26.76), we can say FVCB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.11, the valuation of FVCB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, FVCB is valued a bit cheaper than 60.21% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.96, FVCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 10.11 |
4.2 Price Multiples
FVCB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.31 | ||
| 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 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y18.54%
EPS Next 3Y16.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.84%, FVCB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, FVCB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.31, FVCB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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 2Y18.54%
EPS Next 3Y16.44%
13.35
+0.25 (+1.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.57%
Inst Owner Change5.44%
Ins Owners15.88%
Ins Owner Change1.17%
Market Cap241.23M
Revenue(TTM)64.92M
Net Income(TTM)20.40M
Analysts80
Price Target15.3 (14.61%)
Short Float %0.49%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-0.83%
PT rev (3m)-0.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.94%
Revenue NY rev (3m)3.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 10.11 | ||
| P/S | 3.84 | ||
| P/FCF | 13.31 | ||
| P/OCF | 13.23 | ||
| P/B | 0.99 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY8.61%
EPS(NY)1.32
Fwd EY9.89%
FCF(TTM)1
FCFY7.51%
OCF(TTM)1.01
OCFY7.56%
SpS3.48
BVpS13.46
TBVpS13.05
PEG (NY)0.38
PEG (5Y)N/A
Graham Number18.66
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
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-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
WACC20.31%
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)187.5%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%24%
EPS Next Y30.21%
EPS Next 2Y18.54%
EPS Next 3Y16.44%
EPS Next 5YN/A
Revenue 1Y (TTM)41.86%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
Revenue Next Year18.12%
Revenue Next 2Y13.12%
Revenue Next 3Y11.09%
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 FAQ
What is the ChartMill fundamental rating of FVCBANKCORP INC (FVCB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FVCB.
Can you provide the valuation status for FVCBANKCORP INC?
ChartMill assigns a valuation rating of 6 / 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 3 / 10.
Can you provide the financial health for FVCB stock?
The financial health rating of FVCBANKCORP INC (FVCB) is 3 / 10.
What is the expected EPS growth for FVCBANKCORP INC (FVCB) stock?
The Earnings per Share (EPS) of FVCBANKCORP INC (FVCB) is expected to grow by 30.21% in the next year.