FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $190.42M
• Dividend Yield: N/A
• Average Volume (3M): 17.44K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 1.15
• Revenue Growth: 22.60%
• EPS Growth: 284.38%
• Country: US
• Employees: 120
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 0.81
• Shares Outstanding: 18,204,454
• 10 Day Avg. Volume: 15,521
• 30 Day Avg. Volume: 17,437
• PEG Ratio: 0.04
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.28
• Price to Cash Flow (P/CF): 10.20
• P/FCF Ratio: 3.10
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

FVCBankcorp has a strong balance sheet and operational efficiency, but its profitability and cash flow management need attention. The stock is technically weak, with indicators suggesting potential further downside. High valuation metrics indicate overvaluation concerns. Recent corporate events are positive, but not sufficient to offset the other challenges.

FVCBankcorp Business Overview & Revenue Model

Company Description

FVCBankcorp (FVCB) is a financial holding company that operates primarily through its subsidiary, FVCbank, a community bank serving the Northern Virginia, Maryland, and Washington D.C. metropolitan areas. The bank focuses on providing a wide range of financial services to small and medium-sized businesses, professionals, and individuals. Its core products include commercial loans, real estate loans, deposit services, and treasury management solutions.

How the Company Makes Money

FVCBankcorp generates revenue primarily through the interest income from its loan portfolio, which includes commercial, real estate, and consumer loans. The company also earns non-interest income through service charges on deposit accounts, fees for treasury management services, and other financial products. The bank's profitability is influenced by the interest rate environment, the quality of its loan portfolio, and its ability to manage operating expenses. Additionally, FVCBankcorp may engage in strategic partnerships and initiatives to enhance its service offerings and expand its customer base, although specific partnerships are not detailed in the available data.

FVCBankcorp Financial Statement Overview

Summary

FVCBankcorp demonstrates resilience in its financial metrics with strong operational efficiency, though profitability and cash flow management require attention. The balance sheet is robust with a solid equity base and reduced leverage. While there are areas for improvement, the company is well-positioned within the Banking industry.

Income Statement

FVCBankcorp's revenue growth has shown volatility with a notable decline from 2022 to 2023, but an impressive rebound in the TTM period. The gross profit margin is low, reflecting high costs. Net profit margin has decreased significantly in the TTM period, indicating profitability challenges. EBIT and EBITDA margins are strong, suggesting efficient core operations.

Balance Sheet

The balance sheet reflects strong equity growth and a reduction in debt, leading to a favorable debt-to-equity ratio. The equity ratio indicates a solid capital foundation. However, the ROE has dropped in the TTM period, which might suggest challenges in generating returns on equity. Overall, the company maintains a stable financial position.

Cash Flow

FVCBankcorp has experienced fluctuations in free cash flow growth, with a decline in the TTM period. The operating cash flow to net income ratio suggests a reasonable conversion of income to cash. However, the free cash flow to net income ratio indicates a potential need for improvement in cash management. Cash flow stability is modest.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
74.27M	42.14M	68.11M	61.02M	55.51M	50.61M
	Gross Profit
4.91M	42.14M	68.11M	61.02M	55.51M	50.61M
	EBIT
41.83M	4.83M	45.74M	28.21M	19.66M	20.01M
	EBITDA
37.81M	4.83M	31.68M	29.07M	20.62M	21.04M
	Net Income Common Stockholders
5.09M	3.82M	24.98M	21.93M	15.50M	15.83M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
259.15M	179.64M	81.55M	598.73M	267.21M	174.47M
	Total Assets
2.19B	2.19B	2.34B	2.20B	1.82B	1.54B
	Total Debt
113.86M	113.86M	519.57M	44.51M	69.08M	49.49M
	Net Debt
53.34M	105.82M	438.01M	-196.45M	-71.98M	16.34M
	Total Liabilities
1.98B	1.97B	2.14B	1.99B	1.63B	1.36B
	Stockholders Equity
217.12M	217.12M	202.38M	209.80M	189.50M	179.08M
Cash Flow		Free Cash Flow
4.45M	16.06M	22.23M	18.96M	20.08M	20.09M
	Operating Cash Flow
4.53M	16.27M	22.39M	19.45M	20.43M	20.40M
	Investing Cash Flow
111.61M	149.23M	-225.83M	-344.34M	-273.87M	-164.60M
	Financing Cash Flow
-115.66M	-164.71M	186.08M	328.67M	259.36M	149.68M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.46
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FVCB, the sentiment is Negative. The current price of 10.46 is below the 20-day moving average (MA) of 11.21, below the 50-day MA of 11.79, and below the 200-day MA of 12.10, indicating a bearish trend. The MACD of -0.46 indicates Positive momentum. The RSI at 37.05 is Neutral, neither overbought nor oversold. The STOCH value of 9.80 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FVCB.

FVCBankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	72 Outperform	$214.90M	11.03	8.95%	2.65%	10.65%	-12.80%
ORRF	66 Neutral	$587.98M	20.49	5.64%	3.03%	62.96%	-45.76%
Sector *	64 Neutral	$13.79B	10.52	9.20%	4.24%	17.25%	-7.60%
FVCB	63 Neutral	$190.42M	12.68	6.66%	―	22.60%	284.38%
HIFS	62 Neutral	$510.22M	18.21	6.72%	1.08%	14.02%	5.59%
BMRC	57 Neutral	$360.58M	―	-1.92%	4.46%	-16.98%	-141.53%

FVCBankcorp Corporate Events

FVCBankcorp Enhances Market Presence with Technological Investments

FVCBankcorp, Inc. is leveraging advanced technology and strategic growth plans to enhance its financial performance and market presence. The company focuses on organic growth by strengthening customer relationships and exploring strategic opportunities, while maintaining robust credit quality and risk management. Investment in technology like KlariVis and partnerships with FinTech firms are designed to improve operational efficiency and attract sophisticated clients, positioning FVCBankcorp for sustainable profitability.