13.83 USD
+0.48 (+3.6%)
FVCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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.
FVCB had a positive operating cash flow in the past year.
Each year in the past 5 years FVCB has been profitable.
FVCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.91%, FVCB perfoms like the industry average, outperforming 51.94% of the companies in the same industry.
FVCB has a Return On Equity (8.39%) which is in line with its industry peers.
| 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 86.30% of its industry peers.
FVCB's Profit Margin has declined in the last couple of years.
FVCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
FVCB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FVCB has been reduced compared to a year ago.
2.2 Solvency
FVCB has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of 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's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. FVCB outperforms 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.
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 41.86%.
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)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
FVCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.44% yearly.
The Revenue is expected to grow by 11.09% on average over the next years. This is quite good.
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
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
With a Price/Earnings ratio of 12.03, FVCB is valued correctly.
Based on the Price/Earnings ratio, FVCB is valued a bit cheaper than 64.86% of the companies in the same industry.
FVCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.76.
FVCB is valuated reasonably with a Price/Forward Earnings ratio of 10.47.
60.21% of the companies in the same industry are more expensive than FVCB, based on the Price/Forward Earnings ratio.
FVCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
FVCB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.79 | ||
| 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 16.44% in the coming years.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y18.54%
EPS Next 3Y16.44%
5. Dividend
5.1 Amount
FVCB has a Yearly Dividend Yield of 1.84%. Purely for dividend investing, there may be better candidates out there.
FVCB's Dividend Yield is slightly below the industry average, which is at 3.11.
FVCB's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| 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%
NASDAQ:FVCB (12/12/2025, 3:29:54 PM)
13.83
+0.48 (+3.6%)
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 Cap249.91M
Revenue(TTM)64.92M
Net Income(TTM)20.40M
Analysts80
Price Target15.3 (10.63%)
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 | 12.03 | ||
| Fwd PE | 10.47 | ||
| P/S | 3.97 | ||
| P/FCF | 13.79 | ||
| P/OCF | 13.71 | ||
| P/B | 1.03 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY8.32%
EPS(NY)1.32
Fwd EY9.55%
FCF(TTM)1
FCFY7.25%
OCF(TTM)1.01
OCFY7.3%
SpS3.48
BVpS13.46
TBVpS13.05
PEG (NY)0.4
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.