FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

NASDAQ:FVCB • US36120Q1013

15.44 USD
-0.32 (-2.03%)
At close: Feb 27, 2026
15.44 USD
0 (0%)
After Hours: 2/27/2026, 8:06:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FVCB scores 4 out of 10 in our fundamental rating. FVCB was compared to 379 industry peers in the Banks industry. FVCB has a medium profitability rating, but doesn't score so well on its financial health evaluation. FVCB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FVCB was profitable.
  • FVCB had a positive operating cash flow in the past year.
  • In the past 5 years FVCB has always 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

  • FVCB has a Return On Assets (0.92%) which is in line with its industry peers.
  • FVCB's Return On Equity of 8.53% is in line compared to the rest of the industry. FVCB outperforms 44.33% of its industry peers.
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

  • FVCB has a Profit Margin of 32.83%. This is amongst the best in the industry. FVCB outperforms 85.49% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 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

  • 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 69.66% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that FVCB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.08, FVCB is in the better half of the industry, outperforming 74.67% 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
WACC19.07%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.66% over the past year.
  • 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%.
  • Measured over the past years, FVCB shows a small growth in Revenue. The Revenue has been growing by 3.96% on average per year.
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 13.67% on average per year.
  • Based on estimates for the next years, FVCB will show a quite strong growth in Revenue. The Revenue will grow by 12.77% on average per year.
EPS Next Y13.05%
EPS Next 2Y13.67%
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.87, the valuation of FVCB can be described as correct.
  • 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 27.07.
  • Based on the Price/Forward Earnings ratio of 11.38, the valuation of FVCB can be described as reasonable.
  • FVCB's Price/Forward Earnings is on the same level as the industry average.
  • FVCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 12.87
Fwd PE 11.38
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

  • FVCB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.13
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 13.67% in the coming years.
PEG (NY)0.99
PEG (5Y)2.28
EPS Next 2Y13.67%
EPS Next 3YN/A

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

1

5. Dividend

5.1 Amount

  • FVCB has a Yearly Dividend Yield of 1.52%. Purely for dividend investing, there may be better candidates out there.
  • FVCB's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.82, FVCB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.52%

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 2Y13.67%
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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Find the best dividend stocksShow peers with best dividend

FVCBANKCORP INC

NASDAQ:FVCB (2/27/2026, 8:06:13 PM)

After market: 15.44 0 (0%)

15.44

-0.32 (-2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners50.5%
Inst Owner Change-2.32%
Ins Owners15.88%
Ins Owner Change0.25%
Market Cap276.68M
Revenue(TTM)67.41M
Net Income(TTM)21.31M
Analysts80
Price Target18.36 (18.91%)
Short Float %0.39%
Short Ratio1.32
Dividend
Industry RankSector Rank
Dividend Yield 1.52%
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)20%
PT rev (3m)20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.7%
EPS NY rev (3m)3.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)8.7%
Revenue NY rev (3m)10.25%
Valuation
Industry RankSector Rank
PE 12.87
Fwd PE 11.38
P/S 4.26
P/FCF 13.13
P/OCF 13.1
P/B 1.11
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)1.2
EY7.77%
EPS(NY)1.36
Fwd EY8.79%
FCF(TTM)1.18
FCFY7.62%
OCF(TTM)1.18
OCFY7.63%
SpS3.62
BVpS13.94
TBVpS13.53
PEG (NY)0.99
PEG (5Y)2.28
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
WACC19.07%
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 Y13.05%
EPS Next 2Y13.67%
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 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 12.87 and the Price/Book (PB) ratio is 1.11.