FVCB

FVCBankcorp, Inc.

Fundamental data last updated:November 5, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

01/19/2027

Business Summary

FVCBankcorp, Inc. serves as the holding company for FVCbank, delivering a comprehensive suite of banking products and services throughout Virginia. Its deposit options include both interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The institution provides various loan products, such as commercial real estate and construction financing. It offers commercial loans designed for diverse business needs, including working capital, equipment purchases, lines of credit, and government contract financing. Additional loan offerings extend to Small Business Administration (SBA) loans, asset-based lending, accounts receivable financing, home equity loans, and consumer loans. Complementing these, it issues business and consumer credit cards, offers merchant services, and provides business insurance. Digital services like online banking, remote deposit, and mobile banking are also available. The company primarily caters to the financial requirements of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees throughout the greater Washington, D.C., and Baltimore metropolitan areas. A network of nine additional branch offices supports its operations, located in Arlington, Manassas, Reston (Fairfax County), and Springfield (Fairfax County) in Virginia; Montgomery County and Baltimore in Maryland; and Washington, D.C. FVCBankcorp, Inc. was established in 2007 and maintains its headquarters in Fairfax, Virginia.

 


VALUATION

P/E

11.31

Market Cap ($M USD)

$306.04M

Forward P/E

10.74

PEG

0.36

PRICE TO SALES

2.43

PRICE TO BOOK

1.14

EV / EBITDA

2.39

5-Year Average P/E

Free Cash Flow Yield

10.35%

DCF Value

$15.17

Graham Number

$22.35

Price to FCF

9.66

EV to FCF

4.44

Earnings Yield

8.79%

FCF Yield

10.35%

DIVIDEND

Yield

1.59%

Annual Payout

$0.27

Payout Ratio

16.77%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.49

Next Year EPS Growth Estimate

$1.58

Next Year Revenue Growth Estimate

$80.69M

Return on Equity (ROE)

10.27%

FREE CASH FLOW

Operating Margin

27.50%

Debt-to-Equity

0.09

Piotroski F-Score

8

Altman Z-Score

-0.64

Return on Invested Capital (ROIC)

8.50%

Current Ratio

0.16

Quick Ratio

0.16

Net Debt to EBITDA

-2.81

Interest Coverage

0.69

Gross Profit margin

59.19%

FCF PER SHARE

$1.76

REVENUE PER SHARE

$7.00

Gainseekers Quantitative Analysis

Summary

FVCBankcorp, Inc. appears to be a compelling opportunity for value investors, trading below its DCF Value and Graham Number. The Forward P/E of 9.88 suggests the market may be underestimating its future earnings potential. However, the Altman Z-score of 0.34 raises red flags about financial distress, indicating potential vulnerability. Despite this, the Earnings Yield of 8.24% offers a decent return relative to its price, hinting at undervaluation. Overall, the stock presents a mixed bag of value potential and financial caution.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, FVCBankcorp, as a regional bank, faces challenges in integrating cutting-edge technologies. However, its industry is increasingly leveraging fintech solutions to enhance customer experience and operational efficiency. This positions the bank to potentially benefit from tech advancements, albeit at a slower pace than tech-centric industries.

The Bull Case

For the value-driven investor, FVCBankcorp offers several enticing attributes. A Piotroski F-Score of 7 indicates solid financial health, while a robust Operating Margin of 26.72% underscores its pricing power. The ROIC of 1.25% may seem modest, but the low Debt/Equity ratio of 0.10 highlights prudent capital management. With a Free Cash Flow Yield of 9.18%, the company demonstrates strong cash generation capabilities, making it an attractive candidate for those seeking growth at a reasonable price.

The Bear Case

Despite some strengths, FVCBankcorp is not without its pitfalls. The Altman Z-score suggests potential financial instability, a critical concern for any investor. While the Price/Book ratio of 1.09 seems reasonable, the Price/Sales ratio of 2.59 could indicate overvaluation relative to revenue. Additionally, the stock's proximity to its 52-week high, with only a 16.81% distance, suggests it might be technically overextended. These factors could pose risks to sustained growth and investor returns.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$19.00

Institutional Ownership %

1-Year Beta

0.34

Insider Buying % (6 Mo)

Distance to 52-Week High

12.61%

Distance to 52-Week Low

30.29%

EARNINGS SURPRISE %

-5.13%

50-DAY SMA

$17.99

200-DAY SMA

$16.57

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.