FVCBANKCORP INC (FVCB) Stock Fundamental Analysis
USA - NASDAQ:FVCB - US36120Q1013 - Common Stock
12.57 USD
+0.36 (+2.95%)
12.57 USD
0 (0%)
Taking everything into account, FVCB scores 4 out of 10 in our fundamental rating. FVCB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of FVCB have multiple concerns. FVCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FVCB was profitable.
In the past year FVCB had a positive cash flow from operations.
In the past 5 years FVCB has always been profitable.
In the past 5 years FVCB always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FVCB (0.91%) is comparable to the rest of the industry.
The Return On Equity of FVCB (8.39%) 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
The Profit Margin of FVCB (32.44%) is better than 87.37% 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) | 32.44% | ||
| 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.
Compared to 1 year ago, FVCB has more shares outstanding
FVCB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FVCB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FVCB is 1.03, which is an excellent value as it means it would take FVCB, only 1.03 years of fcf income to pay off all of its debts.
FVCB has a better Debt to FCF ratio (1.03) than 65.98% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FVCB is not too dependend on debt financing.
FVCB's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. FVCB outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.82%
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 decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.92% yearly.
The Revenue has grown by 41.86% in the past year. This is a very strong growth!
FVCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.81% yearly.
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
The Earnings Per Share is expected to grow by 18.15% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.36% on average over the next years. This is quite good.
EPS Next Y30.21%
EPS Next 2Y18.31%
EPS Next 3Y18.15%
EPS Next 5YN/A
Revenue Next Year17.02%
Revenue Next 2Y12.33%
Revenue Next 3Y13.36%
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.
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 10.93.
FVCB's Price/Earnings ratio is a bit cheaper when compared to the industry. FVCB is cheaper than 61.34% of the companies in the same industry.
FVCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
The Price/Forward Earnings ratio is 9.55, which indicates a very decent valuation of FVCB.
FVCB's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FVCB to the average of the S&P500 Index (34.46), we can say FVCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9.55 |
4.2 Price Multiples
FVCB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.52 | ||
| 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 18.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y18.31%
EPS Next 3Y18.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.91%, FVCB has a reasonable but not impressive dividend return.
FVCB's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to the average S&P500 Dividend Yield of 2.45, FVCB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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 2Y18.31%
EPS Next 3Y18.15%
12.57
+0.36 (+2.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.42%
Inst Owner Change5.26%
Ins Owners15.91%
Ins Owner Change1.71%
Market Cap226.89M
Revenue(TTM)64.92M
Net Income(TTM)20.40M
Analysts80
Price Target15.43 (22.75%)
Short Float %0.44%
Short Ratio2.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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%
PT rev (3m)4.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)4.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.79%
Revenue NY rev (1m)2.75%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.93 | ||
| Fwd PE | 9.55 | ||
| P/S | 3.61 | ||
| P/FCF | 12.52 | ||
| P/OCF | 12.45 | ||
| P/B | 0.93 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY9.15%
EPS(NY)1.32
Fwd EY10.47%
FCF(TTM)1
FCFY7.99%
OCF(TTM)1.01
OCFY8.04%
SpS3.48
BVpS13.47
TBVpS13.06
PEG (NY)0.36
PEG (5Y)N/A
Graham Number18.67
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
WACC20.82%
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-12.85%
EPS 5Y-2.92%
EPS Q2Q%24%
EPS Next Y30.21%
EPS Next 2Y18.31%
EPS Next 3Y18.15%
EPS Next 5YN/A
Revenue 1Y (TTM)41.86%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%12.8%
Revenue Next Year17.02%
Revenue Next 2Y12.33%
Revenue Next 3Y13.36%
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.