13.74 USD
-0.11 (-0.79%)
13.74 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FVCB. FVCB was compared to 388 industry peers in the Banks industry. FVCB has a bad profitability rating. Also its financial health evaluation is rather negative. FVCB has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years FVCB has been profitable.
Each year in the past 5 years FVCB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.91%, FVCB is in line with its industry, outperforming 52.06% of the companies in the same industry.
FVCB has a Return On Equity (8.39%) which is comparable to the rest of the industry.
| 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
With an excellent Profit Margin value of 32.44%, FVCB belongs to the best of the industry, outperforming 85.82% of the companies in the same industry.
In the last couple of years the Profit Margin of FVCB has declined.
The Operating Margin and Gross Margin are not available for FVCB so they could not be analyzed.
| 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.
The number of shares outstanding for FVCB has been increased compared to 1 year ago.
The number of shares outstanding for FVCB has been increased compared to 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 65.46% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FVCB is not too dependend on debt financing.
The Debt to Equity ratio of FVCB (0.08) is better than 73.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 187.50% over the past year.
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.
Looking at the last year, FVCB shows a very strong growth in Revenue. 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
Based on estimates for the next years, FVCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.44% on average per year.
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
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
FVCB is valuated reasonably with a Price/Earnings ratio of 11.95.
FVCB's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of FVCB to the average of the S&P500 Index (26.50), we can say FVCB is valued rather cheaply.
A Price/Forward Earnings ratio of 10.40 indicates a reasonable valuation of FVCB.
FVCB's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.93, FVCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.4 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FVCB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.7 | ||
| 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)0.4
PEG (5Y)N/A
EPS Next 2Y18.54%
EPS Next 3Y16.44%
5. Dividend
5.1 Amount
FVCB has a Yearly Dividend Yield of 1.71%.
FVCB's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, FVCB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
5.2 History
FVCB is new to the dividend game and has less than 3 years of track record.
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%
13.74
-0.11 (-0.79%)
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 Cap248.28M
Revenue(TTM)64.92M
Net Income(TTM)20.40M
Analysts80
Price Target15.3 (11.35%)
Short Float %0.46%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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 | 11.95 | ||
| Fwd PE | 10.4 | ||
| P/S | 3.95 | ||
| P/FCF | 13.7 | ||
| P/OCF | 13.62 | ||
| P/B | 1.02 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY8.37%
EPS(NY)1.32
Fwd EY9.61%
FCF(TTM)1
FCFY7.3%
OCF(TTM)1.01
OCFY7.34%
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
WACC20.1%
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 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.
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.