14.31 USD
-0.02 (-0.14%)
14.31 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FVCB. FVCB was compared to 383 industry peers in the Banks industry. FVCB may be in some trouble as it scores bad on both profitability and health. FVCB is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
- Each year in the past 5 years FVCB had a positive operating cash flow.
1.2 Ratios
- FVCB's Return On Assets of 0.92% is in line compared to the rest of the industry. FVCB outperforms 52.22% of its industry peers.
- The Return On Equity of FVCB (8.53%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.53% | ||
| 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 Profit Margin of 32.83%. This is amongst the best in the industry. FVCB outperforms 85.90% 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) | 32.83% | ||
| 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.
- The number of shares outstanding for FVCB has been increased 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.
2.2 Solvency
- FVCB has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 0.89, FVCB is doing good in the industry, outperforming 69.45% 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 better Debt to Equity ratio (0.08) than 74.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.82%
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.
- FVCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.51% yearly.
- 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-9.59%
EPS 5Y1.51%
EPS Q2Q%24%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
3.2 Future
- The Earnings Per Share is expected to grow by 16.44% on average over the next years. This is quite good.
- 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- FVCB is valuated correctly with a Price/Earnings ratio of 12.44.
- Compared to the rest of the industry, the Price/Earnings ratio of FVCB is on the same level as its industry peers.
- FVCB is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 10.83 indicates a reasonable valuation of FVCB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FVCB is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of FVCB to the average of the S&P500 Index (24.29), we can say FVCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FVCB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.27 | ||
| EV/EBITDA | N/A |
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.
- FVCB's earnings are expected to grow with 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)8.22
EPS Next 2Y18.54%
EPS Next 3Y16.44%
5. Dividend
5.1 Amount
- FVCB has a Yearly Dividend Yield of 1.67%.
- FVCB's Dividend Yield is slightly below the industry average, which is at 2.87.
- FVCB's Dividend Yield is comparable with the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
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%
14.31
-0.02 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners50.5%
Inst Owner Change0%
Ins Owners15.88%
Ins Owner Change1.06%
Market Cap258.58M
Revenue(TTM)64.92M
Net Income(TTM)21.31M
Analysts80
Price Target15.3 (6.92%)
Short Float %0.45%
Short Ratio2.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-26 2026-01-26 (0.06)
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)0%
PT rev (3m)-0.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 10.83 | ||
| P/S | 3.98 | ||
| P/FCF | 12.27 | ||
| P/OCF | 12.25 | ||
| P/B | 1.04 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY8.04%
EPS(NY)1.32
Fwd EY9.23%
FCF(TTM)1.17
FCFY8.15%
OCF(TTM)1.17
OCFY8.17%
SpS3.59
BVpS13.82
TBVpS13.42
PEG (NY)0.41
PEG (5Y)8.22
Graham Number18.91
Profitability
| Industry Rank | Sector 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)0.64%
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 | 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
WACC19.82%
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-9.59%
EPS 5Y1.51%
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 1Y4.98%
FCF growth 3Y-1.55%
FCF growth 5Y-1.1%
OCF growth 1Y4.33%
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.
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 3 / 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 12.44 and the Price/Book (PB) ratio is 1.04.