FVCBANKCORP INC (FVCB) Stock Fundamental Analysis
USA - NASDAQ:FVCB - US36120Q1013 - Common Stock
12.35 USD
+0.37 (+3.09%)
12.35 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FVCB. FVCB was compared to 390 industry peers in the Banks industry. FVCB has a bad profitability rating. Also its financial health evaluation is rather negative. FVCB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FVCB was profitable.
FVCB had a positive operating cash flow in the past year.
FVCB had positive earnings in each of the past 5 years.
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 in line with its industry peers.
The Return On Equity of FVCB (8.39%) is comparable to the rest of the 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 better Profit Margin (32.44%) than 86.92% of its industry peers.
FVCB's Profit Margin has declined in the last couple of years.
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.
FVCB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FVCB has more shares outstanding
FVCB has a better debt/assets ratio than last year.
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.
FVCB has a Debt to FCF ratio of 1.03. This is in the better half of the industry: FVCB outperforms 67.95% 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 75.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.96%
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.
The Revenue has grown by 41.64% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 2.81% on average over the past years.
EPS 1Y (TTM)187.5%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%24%
Revenue 1Y (TTM)41.64%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
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 18.31% yearly.
Based on estimates for the next years, FVCB will show a quite strong growth in Revenue. The Revenue will grow by 10.50% on average per year.
EPS Next Y30.76%
EPS Next 2Y18.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.88%
Revenue Next 2Y10.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.74 indicates a reasonable valuation of FVCB.
64.62% of the companies in the same industry are more expensive than FVCB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FVCB to the average of the S&P500 Index (26.19), we can say FVCB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.39, the valuation of FVCB can be described as reasonable.
Based on the Price/Forward Earnings ratio, FVCB is valued a bit cheaper than 61.79% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.50. FVCB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
FVCB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.3 | ||
| 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.
A more expensive valuation may be justified as FVCB's earnings are expected to grow with 18.31% in the coming years.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y18.31%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FVCB has a Yearly Dividend Yield of 1.92%.
Compared to an average industry Dividend Yield of 3.49, FVCB is paying slightly less dividend.
FVCB's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y18.31%
EPS Next 3YN/A
12.35
+0.37 (+3.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.42%
Inst Owner Change-0.12%
Ins Owners15.91%
Ins Owner Change1.14%
Market Cap222.92M
Revenue(TTM)58.12M
Net Income(TTM)20.40M
Analysts80
Price Target15.43 (24.94%)
Short Float %0.43%
Short Ratio2.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
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%
PT rev (3m)4.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.9%
EPS NY rev (1m)0%
EPS NY rev (3m)5.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 9.39 | ||
| P/S | 3.54 | ||
| P/FCF | 12.3 | ||
| P/OCF | 12.23 | ||
| P/B | 0.92 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY9.31%
EPS(NY)1.32
Fwd EY10.65%
FCF(TTM)1
FCFY8.13%
OCF(TTM)1.01
OCFY8.18%
SpS3.48
BVpS13.47
TBVpS13.06
PEG (NY)0.35
PEG (5Y)N/A
Graham Number18.67
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
WACC20.96%
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 Y30.76%
EPS Next 2Y18.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)41.64%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
Revenue Next Year13.88%
Revenue Next 2Y10.5%
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-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 30.76% in the next year.