FVCBANKCORP INC (FVCB) Fundamental Analysis & Valuation

NASDAQ:FVCB • US36120Q1013

Current stock price

15.78 USD
+0.12 (+0.77%)
At close:
15.78 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

  • In the past year FVCB was profitable.
  • In the past year FVCB had a positive cash flow from operations.
  • FVCB had positive earnings in each of the past 5 years.
  • 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 2025 5M 10M 15M 20M

1.2 Ratios

  • FVCB has a Return On Assets (0.96%) which is comparable to the rest of the industry.
  • The Return On Equity of FVCB (8.70%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.96%
ROE 8.7%
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

  • With an excellent Profit Margin value of 32.72%, FVCB belongs to the best of the industry, outperforming 84.84% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FVCB has grown nicely.
  • 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) 32.72%
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.
  • The number of shares outstanding for FVCB has been reduced compared to 1 year ago.
  • Compared to 5 years ago, FVCB has more shares outstanding
  • The debt/assets ratio for FVCB has been reduced compared to a year ago.
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

  • FVCB has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
  • FVCB has a better Debt to FCF ratio (0.79) than 73.14% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FVCB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.07, FVCB is in the better half of the industry, outperforming 76.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.79
Altman-Z N/A
ROIC/WACCN/A
WACC20.06%
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 2025 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 24.51%, which is quite impressive.
  • Measured over the past 5 years, FVCB shows a small growth in Earnings Per Share. The EPS has been growing by 5.64% on average per year.
  • FVCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.97%.
  • FVCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.96% yearly.
EPS 1Y (TTM)24.51%
EPS 3Y-2.93%
EPS 5Y5.64%
EPS Q2Q%25%
Revenue 1Y (TTM)15.97%
Revenue growth 3Y-0.33%
Revenue growth 5Y3.96%
Sales Q2Q%15.63%

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 16.25% yearly.
  • FVCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.15% yearly.
EPS Next Y21.13%
EPS Next 2Y16.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.9%
Revenue Next 2Y10.15%
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 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

  • The Price/Earnings ratio is 12.43, which indicates a correct valuation of FVCB.
  • FVCB's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of FVCB to the average of the S&P500 Index (26.64), we can say FVCB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.73 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 21.36. FVCB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.43
Fwd PE 9.73
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 11.92
EV/EBITDA N/A
FVCB Per share dataFVCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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.
  • FVCB's earnings are expected to grow with 16.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)2.2
EPS Next 2Y16.25%
EPS Next 3YN/A

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

2

5. FVCB Dividend Analysis

5.1 Amount

  • FVCB has a Yearly Dividend Yield of 1.80%.
  • Compared to an average industry Dividend Yield of 2.57, FVCB is paying slightly less dividend.
  • FVCB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

  • FVCB is new to the dividend game and has less than 3 years of track record.
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

  • FVCB pays out 9.82% of its income as dividend. This is a sustainable payout ratio.
DP9.82%
EPS Next 2Y16.25%
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
FVCB Dividend Payout.FVCB Dividend Payout, showing the Payout Ratio.FVCB Dividend Payout.PayoutRetained Earnings

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FVCB Fundamentals: All Metrics, Ratios and Statistics

FVCBANKCORP INC

NASDAQ:FVCB (5/1/2026, 8:00:01 PM)

After market: 15.78 0 (0%)

15.78

+0.12 (+0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-21
Earnings (Next)07-20
Inst Owners49.63%
Inst Owner Change-0.13%
Ins Owners15.94%
Ins Owner Change6.95%
Market Cap283.72M
Revenue(TTM)67.41M
Net Income(TTM)22.06M
Analysts80
Price Target18.23 (15.53%)
Short Float %0.61%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend0.12
Dividend Growth(5Y)N/A
DP9.82%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.96%
Min EPS beat(2)-1.96%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)3.87%
Min EPS beat(4)-1.96%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)3.19%
EPS beat(12)7
Avg EPS beat(12)-17.58%
EPS beat(16)9
Avg EPS beat(16)-15.37%
Revenue beat(2)0
Avg Revenue beat(2)-4.33%
Min Revenue beat(2)-7.28%
Max Revenue beat(2)-1.38%
Revenue beat(4)0
Avg Revenue beat(4)-2.78%
Min Revenue beat(4)-7.28%
Max Revenue beat(4)-0.56%
Revenue beat(8)0
Avg Revenue beat(8)-2.24%
Revenue beat(12)1
Avg Revenue beat(12)-6.32%
Revenue beat(16)4
Avg Revenue beat(16)-4.38%
PT rev (1m)-2.08%
PT rev (3m)17.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)10.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.22%
Valuation
Industry RankSector Rank
PE 12.43
Fwd PE 9.73
P/S 4.21
P/FCF 11.92
P/OCF 11.89
P/B 1.12
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)1.27
EY8.05%
EPS(NY)1.62
Fwd EY10.28%
FCF(TTM)1.32
FCFY8.39%
OCF(TTM)1.33
OCFY8.41%
SpS3.75
BVpS14.1
TBVpS13.7
PEG (NY)0.59
PEG (5Y)2.2
Graham Number20.0758 (27.22%)
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 8.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.72%
GM N/A
FCFM 35.33%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.79
Debt/EBITDA N/A
Cap/Depr 13.95%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC20.06%
ROIC/WACCN/A
Cap/Depr(3y)27.09%
Cap/Depr(5y)32.52%
Cap/Sales(3y)0.28%
Cap/Sales(5y)0.37%
Profit Quality(3y)216.06%
Profit Quality(5y)164.72%
High Growth Momentum
Growth
EPS 1Y (TTM)24.51%
EPS 3Y-2.93%
EPS 5Y5.64%
EPS Q2Q%25%
EPS Next Y21.13%
EPS Next 2Y16.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.97%
Revenue growth 3Y-0.33%
Revenue growth 5Y3.96%
Sales Q2Q%15.63%
Revenue Next Year12.9%
Revenue Next 2Y10.15%
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 1Y31.62%
FCF growth 3Y2.33%
FCF growth 5Y10.4%
OCF growth 1Y30.86%
OCF growth 3Y2.14%
OCF growth 5Y9.92%

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.


What is the profitability of FVCB stock?

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


What is the financial health of FVCBANKCORP INC (FVCB) stock?

The financial health rating of FVCBANKCORP INC (FVCB) is 3 / 10.


Can you provide the dividend sustainability for FVCB stock?

The dividend rating of FVCBANKCORP INC (FVCB) is 2 / 10 and the dividend payout ratio is 9.82%.