FVCBANKCORP INC (FVCB) Fundamental Analysis & Valuation

NASDAQ:FVCB • US36120Q1013

Current stock price

15.44 USD
-0.17 (-1.09%)
At close:
15.44 USD
0 (0%)
After Hours:

This FVCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FVCB Profitability Analysis

1.1 Basic Checks

  • FVCB had positive earnings in the past year.
  • In the past year FVCB had a positive cash flow from operations.
  • Each year in the past 5 years FVCB has 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 2025 5M 10M 15M 20M

1.2 Ratios

  • FVCB has a Return On Assets (0.96%) which is comparable to the rest of the industry.
  • FVCB has a Return On Equity of 8.70%. This is comparable to the rest of the industry: FVCB outperforms 42.29% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 8.7%
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

  • With an excellent Profit Margin value of 32.72%, FVCB belongs to the best of the industry, outperforming 84.84% of the companies in the same industry.
  • FVCB's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 32.72%
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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3

2. FVCB Health Analysis

2.1 Basic Checks

  • FVCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FVCB has less shares outstanding
  • FVCB has more shares outstanding than it did 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 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

  • FVCB has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
  • The Debt to FCF ratio of FVCB (0.79) is better than 73.14% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FVCB is not too dependend on debt financing.
  • FVCB has a better Debt to Equity ratio (0.07) than 76.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.79
Altman-Z N/A
ROIC/WACCN/A
WACC20.15%
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 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. FVCB Growth Analysis

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 16.25% 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 10.15% on average per year.
EPS Next Y21.13%
EPS Next 2Y16.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.9%
Revenue Next 2Y10.15%
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. FVCB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.87, which indicates a correct valuation of FVCB.
  • 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 27.71, which is the current average of the S&P500 Index.
  • FVCB is valuated reasonably with a Price/Forward Earnings ratio of 10.62.
  • FVCB's Price/Forward Earnings is on the same level as the industry average.
  • FVCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.09, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.87
Fwd PE 10.62
FVCB Price Earnings VS Forward Price EarningsFVCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • FVCB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.66
EV/EBITDA N/A
FVCB Per share dataFVCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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.
  • FVCB's earnings are expected to grow with 16.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)2.28
EPS Next 2Y16.25%
EPS Next 3YN/A

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

2

5. FVCB Dividend Analysis

5.1 Amount

  • FVCB has a Yearly Dividend Yield of 1.79%. Purely for dividend investing, there may be better candidates out there.
  • FVCB's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, FVCB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.79%

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

  • FVCB pays out 9.82% of its income as dividend. This is a sustainable payout ratio.
DP9.82%
EPS Next 2Y16.25%
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
FVCB Dividend Payout.FVCB Dividend Payout, showing the Payout Ratio.FVCB Dividend Payout.PayoutRetained Earnings

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FVCB Fundamentals: All Metrics, Ratios and Statistics

FVCBANKCORP INC

NASDAQ:FVCB (4/21/2026, 8:00:01 PM)

After market: 15.44 0 (0%)

15.44

-0.17 (-1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners49.63%
Inst Owner Change-0.12%
Ins Owners15.94%
Ins Owner Change0.41%
Market Cap277.61M
Revenue(TTM)67.41M
Net Income(TTM)22.06M
Analysts80
Price Target17.98 (16.45%)
Short Float %0.68%
Short Ratio1.46
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend0.12
Dividend Growth(5Y)N/A
DP9.82%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.96%
Min EPS beat(2)-1.96%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)3.87%
Min EPS beat(4)-1.96%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)3.19%
EPS beat(12)7
Avg EPS beat(12)-17.58%
EPS beat(16)9
Avg EPS beat(16)-15.37%
Revenue beat(2)0
Avg Revenue beat(2)-4.33%
Min Revenue beat(2)-7.28%
Max Revenue beat(2)-1.38%
Revenue beat(4)0
Avg Revenue beat(4)-2.78%
Min Revenue beat(4)-7.28%
Max Revenue beat(4)-0.56%
Revenue beat(8)0
Avg Revenue beat(8)-2.24%
Revenue beat(12)1
Avg Revenue beat(12)-6.32%
Revenue beat(16)4
Avg Revenue beat(16)-4.38%
PT rev (1m)-2.08%
PT rev (3m)17.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)10.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.22%
Valuation
Industry RankSector Rank
PE 12.87
Fwd PE 10.62
P/S 4.12
P/FCF 11.66
P/OCF 11.64
P/B 1.09
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)1.2
EY7.77%
EPS(NY)1.45
Fwd EY9.41%
FCF(TTM)1.32
FCFY8.58%
OCF(TTM)1.33
OCFY8.59%
SpS3.75
BVpS14.1
TBVpS13.7
PEG (NY)0.61
PEG (5Y)2.28
Graham Number19.5147 (26.39%)
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 8.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.72%
GM N/A
FCFM 35.33%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.79
Debt/EBITDA N/A
Cap/Depr 13.95%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC20.15%
ROIC/WACCN/A
Cap/Depr(3y)27.09%
Cap/Depr(5y)32.52%
Cap/Sales(3y)0.28%
Cap/Sales(5y)0.37%
Profit Quality(3y)216.06%
Profit Quality(5y)164.72%
High Growth Momentum
Growth
EPS 1Y (TTM)27.66%
EPS 3Y-2.93%
EPS 5Y5.64%
EPS Q2Q%19.23%
EPS Next Y21.13%
EPS Next 2Y16.25%
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 Year12.9%
Revenue Next 2Y10.15%
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 1Y31.62%
FCF growth 3Y2.33%
FCF growth 5Y10.4%
OCF growth 1Y30.86%
OCF growth 3Y2.14%
OCF growth 5Y9.92%

FVCBANKCORP INC / FVCB Fundamental Analysis 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.


What is the profitability of FVCB stock?

FVCBANKCORP INC (FVCB) has a profitability rating of 4 / 10.


What is the financial health of FVCBANKCORP INC (FVCB) stock?

The financial health rating of FVCBANKCORP INC (FVCB) is 3 / 10.


Can you provide the dividend sustainability for FVCB stock?

The dividend rating of FVCBANKCORP INC (FVCB) is 2 / 10 and the dividend payout ratio is 9.82%.