FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $225.10M
• Dividend Yield: 0.5%
• Average Volume (3M): 26.71K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 1.05
• Revenue Growth: 17.89%
• EPS Growth: 351.71%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.30
• Shares Outstanding: 18,051,687
• 10 Day Avg. Volume: 22,857
• 30 Day Avg. Volume: 26,708
• PEG Ratio: 0.05
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 12.55
• Enterprise Value/Market Cap: 1.23
• Enterprise Value/Revenue: 2.39
• Enterprise Value/Gross Profit: 4.70
• Enterprise Value/Ebitda: 10.48
• 1Y Price Target: $14.75
• Price Target Upside: 21.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 60 Neutral
• Price Target: $13.50 ▲(11.48% Upside)

FVCBankcorp's overall stock score is driven by its solid financial performance, characterized by consistent revenue growth and improved profitability. However, the technical analysis indicates bearish momentum, which could pose short-term risks. The valuation suggests potential for appreciation, but the low dividend yield may limit its attractiveness to income-focused investors.

FVCBankcorp Business Overview & Revenue Model

Company Description

FVCBankcorp, Inc. (FVCB) is a bank holding company based in Virginia that operates FVCbank, a full-service community bank. The bank provides a range of financial products and services, including personal and commercial banking, mortgage lending, and wealth management. FVCB primarily serves individual consumers, small to medium-sized businesses, and commercial clients in its local market, focusing on building strong relationships and delivering personalized banking solutions.

How the Company Makes Money

FVCBankcorp generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include commercial loans, residential mortgages, and consumer loans, which are crucial for driving interest income. Additionally, the bank earns non-interest income from various services such as fees related to deposit accounts, ATM transactions, and wealth management services. Strategic partnerships with local businesses and real estate agencies also contribute to its client base and revenue generation, enhancing the bank's ability to cross-sell products and foster customer loyalty.

FVCBankcorp Financial Statement Overview

Summary

FVCBankcorp exhibits a positive financial trajectory with consistent revenue growth and improved profitability margins. The balance sheet shows reduced leverage and better equity utilization, enhancing financial stability. Cash flow generation has improved, though there are areas for improvement in cash conversion efficiency. Overall, the company is on a stable financial footing with opportunities for further optimization.

Income Statement

FVCBankcorp shows a consistent revenue growth trend with a TTM revenue growth rate of 2.25%. The gross profit margin has decreased from previous years, indicating potential cost pressures. However, the net profit margin has improved to 17.59% TTM, showcasing enhanced profitability. EBIT and EBITDA margins have also shown improvement, reflecting operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has significantly improved to 0.11 TTM from higher levels in previous years, indicating reduced leverage and financial risk. Return on equity has increased to 8.73% TTM, demonstrating better utilization of equity. The equity ratio remains stable, suggesting a solid capital structure.

Cash Flow

FVCBankcorp's free cash flow growth rate has improved to 10.86% TTM, indicating better cash generation. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is strong, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	115.60M	111.58M	91.86M	82.99M	70.25M	68.91M
Gross Profit	58.94M	53.85M	39.51M	64.93M	60.27M	49.41M
EBITDA	26.41M	22.74M	4.83M	31.68M	29.07M	20.62M
Net Income	20.40M	15.06M	3.82M	24.98M	21.93M	15.50M
Balance Sheet
Total Assets	2.24B	2.20B	2.19B	2.34B	2.20B	1.82B
Cash, Cash Equivalents and Short-Term Investments	171.49M	247.43M	232.12M	359.62M	598.57M	267.21M
Total Debt	76.01M	76.33M	113.86M	294.96M	55.62M	81.21M
Total Liabilities	1.99B	1.96B	1.97B	2.14B	1.99B	1.63B
Stockholders Equity	243.16M	235.35M	217.12M	202.38M	209.80M	189.50M
Cash Flow
Free Cash Flow	18.13M	18.09M	16.06M	22.23M	18.96M	14.51M
Operating Cash Flow	18.23M	18.23M	16.27M	22.39M	19.45M	14.87M
Investing Cash Flow	65.21M	-8.92M	149.23M	-225.83M	-344.34M	-268.30M
Financing Cash Flow	-79.01M	-9.19M	-164.71M	186.08M	328.67M	259.36M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 12.11
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Positive
• 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 12.11 is below the 20-day moving average (MA) of 13.02, below the 50-day MA of 13.06, and above the 200-day MA of 11.94, indicating a neutral trend. The MACD of -0.24 indicates Positive momentum. The RSI at 27.49 is Positive, neither overbought nor oversold. The STOCH value of 6.67 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MBCN	67 Neutral	$228.29M	12.59	8.60%	2.87%	7.42%	15.82%
MYFW	63 Neutral	$224.97M	19.77	4.58%	―	0.35%	64.49%
FVCB	60 Neutral	$225.10M	11.25	8.69%	0.50%	17.89%	351.71%
INBK	58 Neutral	$191.78M	12.50	4.06%	1.08%	17.13%	-16.81%
NWFL	56 Neutral	$233.02M	105.94	1.56%	5.00%	-4.78%	-85.40%

FVCBankcorp Corporate Events

FVCBankcorp Initiates Quarterly Cash Dividend Program

On July 17, 2025, FVCBankcorp, Inc. announced the initiation of a quarterly cash dividend program, declaring an initial dividend of $0.06 per share, payable on August 18, 2025. This move, reflecting the company’s commitment to enhancing shareholder value, will result in an aggregate payment of approximately $1.1 million, demonstrating appreciation for shareholder support over the past 17 years.

The most recent analyst rating on (FVCB) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on FVCBankcorp stock, see the FVCB Stock Forecast page.

FVCBankcorp Shareholders Approve Key Proposals at Annual Meeting

On May 29, 2025, FVCBankcorp, Inc. held its Annual Meeting of Shareholders. During the meeting, shareholders voted on the election of directors for a one-year term, the approval of executive compensation, and the ratification of the appointment of the company’s independent registered public accounting firm. The election of directors saw minimal opposition, with most directors receiving strong support. The executive compensation was approved by a majority, and the appointment of Yount, Hyde & Barbour, P.C. as the independent auditor was ratified with overwhelming support.