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FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

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

11.34  -0.21 (-1.82%)

After market: 11.34 0 (0%)

Fundamental Rating

4

Taking everything into account, FVCB scores 4 out of 10 in our fundamental rating. FVCB was compared to 395 industry peers in the Banks industry. FVCB may be in some trouble as it scores bad on both profitability and health. 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.
FVCB had a positive operating cash flow in the past year.
In the past 5 years FVCB has always been profitable.
In the past 5 years FVCB always reported a positive cash flow from operatings.
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.
FVCB has a Return On Equity (7.79%) which is in line with its industry peers.
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

Looking at the Profit Margin, with a value of 31.14%, FVCB belongs to the top of the industry, outperforming 83.29% 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.
The number of shares outstanding for FVCB has been increased compared to 5 years ago.
FVCB has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.14, FVCB is in the better half of the industry, outperforming 69.37% of the companies in the same industry.
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 Debt to Equity ratio of 0.08. This is in the better half of the industry: FVCB outperforms 76.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC22.47%
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

The Earnings Per Share has grown by an impressive 175.68% over the past year.
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

Based on estimates for the next years, FVCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.19% on average per year.
The Revenue is expected to grow by 10.03% on average over the next years. This is quite good.
EPS Next Y13.94%
EPS Next 2Y12.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.23%
Revenue Next 2Y10.03%
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

Based on the Price/Earnings ratio of 11.12, the valuation of FVCB can be described as reasonable.
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 (26.35), we can say FVCB is valued rather cheaply.
The Price/Forward Earnings ratio is 9.58, which indicates a very decent valuation of FVCB.
FVCB's Price/Forward Earnings ratio is in line with the industry average.
FVCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 11.12
Fwd PE 9.58
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 12.48
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.
A more expensive valuation may be justified as FVCB's earnings are expected to grow with 12.19% in the coming years.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y12.19%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FVCB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FVCBANKCORP INC

NASDAQ:FVCB (6/20/2025, 8:00:00 PM)

After market: 11.34 0 (0%)

11.34

-0.21 (-1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners50.47%
Inst Owner Change2.16%
Ins Owners15.79%
Ins Owner Change7.91%
Market Cap204.01M
Analysts43.33
Price Target12.75 (12.43%)
Short Float %0.64%
Short Ratio2.15
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)0%
PT rev (3m)-5.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2%
Valuation
Industry RankSector Rank
PE 11.12
Fwd PE 9.58
P/S 3.36
P/FCF 12.48
P/OCF 12.37
P/B 0.84
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)1.02
EY8.99%
EPS(NY)1.18
Fwd EY10.43%
FCF(TTM)0.91
FCFY8.02%
OCF(TTM)0.92
OCFY8.09%
SpS3.37
BVpS13.47
TBVpS13.06
PEG (NY)0.8
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
WACC22.47%
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 Y13.94%
EPS Next 2Y12.19%
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 Year12.23%
Revenue Next 2Y10.03%
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%