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FVCBankcorp
(NASDAQ:FVCB)
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Rating:77Outperform
Price Target:
$21.50
â–²(19.44% Upside)
Action:Reiterated
Date:08/07/26
Overall score is driven primarily by improving financial strength (much lower leverage and stronger cash generation) and supportive recent corporate updates (record earnings and dividend). Technicals add a positive trend backdrop, though near-overbought Stoch readings temper momentum. Valuation is reasonable at ~12.9x earnings with a modest ~1.4% yield, providing steady but not standout support.
Positive Factors
Balance sheet strength
Sharp deleveraging and equity growth provide durable capital resilience. Lower debt-to-equity reduces funding and interest-rate vulnerability, supports regulatory ratios and dividend capacity, and gives management flexibility to absorb losses or pursue measured loan growth without immediate capital raises.
Negative Factors
Revenue contraction
A substantial TTM revenue decline erodes scale economics and can mask true operating performance. Persistent top-line pressure constrains margin expansion, limits fee and cross-sell opportunities, and forces greater dependence on cost control or one‑time items to sustain earnings over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet strength
Sharp deleveraging and equity growth provide durable capital resilience. Lower debt-to-equity reduces funding and interest-rate vulnerability, supports regulatory ratios and dividend capacity, and gives management flexibility to absorb losses or pursue measured loan growth without immediate capital raises.
Read all positive factors
FVCBankcorp (FVCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$333.99M
Dividend Yield1.4%
Average Volume (3M)27.54K
Price to Earnings (P/E)12.9
Beta (1Y)0.87
Revenue Growth4.97%
EPS Growth28.06%
CountryUS
Employees135
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.44
Shares Outstanding18,034,204
10 Day Avg. Volume26,170
30 Day Avg. Volume27,537
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.99
Price to Sales (P/S)2.07
P/FCF Ratio10.59
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$21.00Price Target Upside16.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.5
Revenue Forecast (FY)$78.64M
FVCBankcorp Business Overview & Revenue Model
Company Description
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 an...
How the Company Makes Money
FVCBankcorp makes money primarily through its bank subsidiary by earning interest and fees from banking activities. The largest driver is typically net interest income: the bank collects interest on loans it originates (such as commercial loans an...
FVCBankcorp Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 95.60M | 122.03M | 111.58M | 91.86M | 83.55M | 71.50M |
| Gross Profit | 53.87M | 65.82M | 53.85M | 39.51M | 65.48M | 61.52M |
| EBITDA | 5.26M | 28.58M | 22.74M | 4.83M | 31.68M | 29.07M |
| Net Income | 32.22M | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M |
Balance Sheet | ||||||
| Total Assets | 2.37B | 2.29B | 2.20B | 2.19B | 2.34B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 12.24M | 127.63M | 247.43M | 232.12M | 359.62M | 598.57M |
| Total Debt | 30.16M | 25.24M | 76.33M | 113.86M | 294.96M | 55.62M |
| Total Liabilities | 2.10B | 2.04B | 1.96B | 1.97B | 2.14B | 1.99B |
| Stockholders Equity | 265.35M | 253.60M | 235.35M | 217.12M | 202.38M | 209.80M |
Cash Flow | ||||||
| Free Cash Flow | 31.67M | 23.81M | 18.09M | 16.06M | 22.23M | 18.96M |
| Operating Cash Flow | 31.71M | 23.86M | 18.23M | 16.27M | 22.39M | 19.45M |
| Investing Cash Flow | -130.66M | -94.66M | -8.92M | 149.23M | -225.83M | -344.34M |
| Financing Cash Flow | 96.56M | 68.32M | -9.19M | -164.71M | 186.08M | 328.67M |
FVCBankcorp Technical Analysis
Positive
18.00
Price Trends
17.41
Positive
16.39
Positive
15.13
Positive
Market Momentum
0.39
Positive
59.81
Neutral
45.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FVCB, the sentiment is Positive. The current price of 18 is below the 20-day moving average (MA) of 18.29, above the 50-day MA of 17.41, and above the 200-day MA of 15.13, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 59.81 is Neutral, neither overbought nor oversold. The STOCH value of 45.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FVCB.
FVCBankcorp Risk Analysis
FVCBankcorp disclosed 36 risk factors in its most recent earnings report. FVCBankcorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
FVCBankcorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $349.91M | 11.38 | 11.72% | 2.55% | 6.41% | 17.50% | |
77 Outperform | $333.99M | 12.92 | 4.12% | 1.44% | 4.97% | 28.06% | |
75 Outperform | $331.26M | 12.07 | 10.57% | 0.37% | 5.31% | -4.05% | |
71 Outperform | $323.87M | 13.43 | 9.16% | 0.77% | 5.41% | 29.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $317.75M | 12.40 | 12.17% | 1.90% | 15.68% | 20.07% | |
54 Neutral | $331.53M | 25.33 | 3.87% | 2.91% | 2.01% | -45.00% |
* Financial Sector Average
FVCB
FVCBankcorp
18.60
5.80
45.32%
FCCO
First Community
33.74
8.41
33.21%
TSBK
Timberland Bancorp
45.63
13.15
40.49%
BCML
BayCom
31.25
3.97
14.56%
COSO
CoastalSouth Bancshares
27.89
7.92
39.66%
JMSB
John Marshall Bancorp
23.23
3.94
20.43%
FVCBankcorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
FVCBankcorp Declares Dividend After Record Quarterly Earnings
Positive
Jul 21, 2026
FVCBankcorp, Inc. reported record earnings for the quarter ended June 30, 2026, with net income rising 45% year over year to $8.2 million and diluted EPS increasing to $0.45. The bank delivered its tenth consecutive quarter of margin expansion, a ...
Executive/Board ChangesShareholder Meetings
FVCBankcorp Shareholders Back Directors, Pay and Auditor
Positive
May 21, 2026
FVCBankcorp, Inc. held its Annual Meeting of Shareholders on May 20, 2026, where investors voted to elect the full slate of director nominees to one-year terms expiring at the 2027 annual meeting. The vote results showed strong overall support for...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.