FVCBANKCORP INC (FVCB) 11.62 -0.01 (-0.09%)
11.62 -0.01 (-0.09%)
US36120Q1013 - Common Stock - After market: 11.62 0 (0%)
Fundamental Rating
Overall FVCB gets a fundamental rating of 3 out of 10. We evaluated FVCB against 338 industry peers in the Banks industry. While FVCB is still in line with the averages on profitability rating, there are some concerns on its financial health. FVCB has a correct valuation and a medium growth rate.
Profitability
Profitability Rating
FVCB has a Profit Margin of 36.67%. This is amongst the best returns in the industry. The industry average is 29.29%. FVCB outperforms 86% of its industry peers.
FVCB has a Return On Equity of 12.34%. This is comparable to the industry average of 12.28%.
FVCB's Return On Assets of 1.07% is worse than the rest of the industry. The industry average Return On Assets is 1.12%.
The Piotroski-F score of FVCB is 3.00. This is a low score and indicates issues in the health and profitability of FVCB.
VS Industry
ROA (1.07%) VS Industry: 40% outperformed.
0.10
7.28
ROE (12.34%) VS Industry: 51% outperformed.
2.42
50.89
Profit Margin (36.67%) VS Industry: 86% outperformed.
5.80
51.15
Valuation
Valuation Rating
With a Price/Earnings Ratio of 8.87, the valuation of FVCB can be described as very reasonable.
The Forward Price/Earnings Ratio of 8.14 indicates a rather cheap valuation of FVCB.
Compared to an average industry Price/Earning Ratio of 8.13, FVCB is valued in line with its industry peers.
FVCB's PEG Ratio, which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
With a price book ratio of 1.00, FVCB is valued correctly.
Compared to an average industry price book ratio of 0.97, FVCB is valued in line with its industry peers.
VS Industry
Price/Earnings (8.87) VS Industry: 41% outperformed.
208.50
0.29
Price/Book (1) VS Industry: 45% outperformed.
4.12
0.03
Growth
Growth Rating
The Earnings Per Share is expected to grow by 15.30% on average over the next 5 years. This is quite good.
When comparing the EPS growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
The Revenue has been growing by 14.17% on average over the past 5 years. This is quite good.
FVCB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.61%.
Measured over the past 5 years, FVCB shows a small growth in Earnings Per Share. The EPS has been growing by 9.12% on average per year.
The Revenue has been growing slightly by 9.44% in the past year.
FVCB is expected to show a small growth in Revenue. In the coming 5 years, the Revenue will grow by 9.61% yearly.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 9.12% | 6.37% | -7.61% | 8.84% | 15.3% | N/A | N/A |
| Revenue | 14.17% | 10.39% | 9.44% | 13.59% | 9.61% | N/A | N/A |
Health
Health Rating
FVCB has one of the worst Debt to Equity ratios in its industry. 95% of its industry peers require less debt for financing their operations.
The Piotroski-F score of FVCB is 3.00. This is a low score and indicates issues in the health and profitability of FVCB.
VS Industry
Debt/Equity (1.41) VS Industry: 5% outperformed.
3.92
0.00
Dividend
Dividend Rating
FVCB does not give a dividend.
FVCBANKCORP INC11.62
NASDAQ:FVCB (3/24/2023, 4:30:00 PM)-0.01 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-25 2023-01-25/amc
Earnings (Next)04-19 2023-04-19/amc
Inst Owners30.27%
Inst Owner Change-0.68%
Ins Owners9.05%
Ins Owner Change8.26%
Market Cap203.23M
Analysts80
Price Target15.81 (36.06%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-22.36%
Min EPS beat(2)-44.85%
Max EPS beat(2)0.13%
EPS beat(4)2
Avg EPS beat(4)-8.77%
Min EPS beat(4)-44.85%
Max EPS beat(4)12.75%
Revenue beat(2)1
Avg Revenue beat(2)-6.08%
Min Revenue beat(2)-13.56%
Max Revenue beat(2)1.41%
Revenue beat(4)3
Avg Revenue beat(4)1.42%
Min Revenue beat(4)-13.56%
Max Revenue beat(4)9.01%
PT rev (1m)0%
PT rev (3m)-27.49%
EPS NQ rev (1m)-29.25%
EPS NQ rev (3m)-29.25%
EPS NY rev (1m)-28.57%
EPS NY rev (3m)-28.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)4.49%
Revenue NY rev (3m)4.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 8.14 | ||
| P/S | 2.98 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.31
EY11.27%
EPS(NY)1.43
Fwd EY12.29%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.9
BVpS11.57
TBVpS11.13
PEG (NY)1
PEG (5Y)0.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 12.34% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 36.67% | ||
| GM | N/A |
ROICexgc(3y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc(3y)N/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.47%
PM growth 5Y10.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC9.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
Growth
EPS 1Y-7.61%
EPS 3Y6.37%
EPS 5Y9.12%
EPS growth Q2Q-40%
EPS Next Y8.84%
EPS Next 2Y15.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue growth 1Y9.44%
Revenue growth 3Y10.39%
Revenue growth 5Y14.17%
Revenue growth Q2Q-6.71%
Revenue Next Year13.59%
Revenue Next 2Y9.61%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A
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