FVCBANKCORP INC (FVCB)
US36120Q1013 - Common Stock
We assign a fundamental rating of 3 out of 10 to FVCB. FVCB was compared to 411 industry peers in the Banks industry. FVCB has a bad profitability rating. Also its financial health evaluation is rather negative. FVCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
FVCB had positive earnings in the past year.
In the past year FVCB had a positive cash flow from operations.
FVCB had positive earnings in each of the past 5 years.
Each year in the past 5 years FVCB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.17%, FVCB is not doing good in the industry: 90.75% of the companies in the same industry are doing better.
FVCB has a worse Return On Equity (1.76%) than 91.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.17% | ||
| ROE | 1.76% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.82%
ROE(3y)8.19%
ROE(5y)8.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 9.22%, FVCB is not doing good in the industry: 88.08% of the companies in the same industry are doing better.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-30.65%
PM growth 5Y-18.69%
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.
FVCB has a better debt/assets ratio than last year.
2.2 Solvency
FVCB has a debt to FCF ratio of 1.22. This is a very positive value and a sign of high solvency as it would only need 1.22 years to pay back of all of its debts.
FVCB has a better Debt to FCF ratio (1.22) than 72.02% of its industry peers.
FVCB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
FVCB has a better Debt to Equity ratio (0.09) than 78.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FVCB have decreased strongly by -66.46% in the last year.
Measured over the past years, FVCB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.44% on average per year.
Looking at the last year, FVCB shows a very negative growth in Revenue. The Revenue has decreased by -39.21% in the last year.
The Revenue has been decreasing by -0.21% on average over the past years.
EPS 1Y (TTM)-66.46%
EPS 3Y-27.19%
EPS 5Y-16.44%
EPS growth Q2Q-229.63%
Revenue 1Y (TTM)-39.21%
Revenue growth 3Y-9.58%
Revenue growth 5Y-0.21%
Revenue growth Q2Q-81.04%
3.2 Future
Based on estimates for the next years, FVCB will show a very strong growth in Earnings Per Share. The EPS will grow by 66.09% 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 10.09% on average per year.
EPS Next Y126.02%
EPS Next 2Y66.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.04%
Revenue Next 2Y10.09%
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.
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
The Price/Earnings ratio is 25.93, which means the current valuation is very expensive for FVCB.
Based on the Price/Earnings ratio, FVCB is valued expensively inside the industry as 88.56% of the companies are valued cheaper.
FVCB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.25.
A Price/Forward Earnings ratio of 11.47 indicates a reasonable valuation of FVCB.
FVCB's Price/Forward Earnings ratio is in line with the industry average.
FVCB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.93 | ||
| Fwd PE | 11.47 |
4.2 Price Multiples
67.64% of the companies in the same industry are cheaper than FVCB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.71 | ||
| 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.
A more expensive valuation may be justified as FVCB's earnings are expected to grow with 66.09% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y66.09%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FVCB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FVCBANKCORP INC
NASDAQ:FVCB (4/25/2024, 11:23:59 AM)
11.41
+0.2 (+1.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap204.01M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.93 | ||
| Fwd PE | 11.47 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.21
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.17% | ||
| ROE | 1.76% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 9.22% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-66.46%
EPS 3Y-27.19%
EPS 5Y
EPS growth Q2Q
EPS Next Y126.02%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-39.21%
Revenue growth 3Y-9.58%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y