FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $217.88M
• Dividend Yield: 0.94%
• Average Volume (3M): 27.54K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 1.06
• Revenue Growth: 16.68%
• EPS Growth: 322.32%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.31
• Shares Outstanding: 18,051,687
• 10 Day Avg. Volume: 26,170
• 30 Day Avg. Volume: 27,537
• 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: 1.27
• Enterprise Value/Revenue: 2.36
• Enterprise Value/Gross Profit: 4.53
• Enterprise Value/Ebitda: 10.04
• 1Y Price Target: $16.00
• Price Target Upside: 25.39% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $13.50 ▲(5.80% Upside)

FVCBankcorp's overall stock score reflects strong financial performance, particularly in revenue growth and profitability margins, which are the most significant factors. The technical analysis indicates a bearish trend, which negatively impacts the score. The valuation suggests the stock may be undervalued, providing some upside potential. The absence of earnings call and corporate events data means these factors do not influence the score.

Positive Factors

Revenue Growth

The significant revenue growth indicates robust business expansion and strong market demand for FVCBankcorp's financial services, supporting long-term sustainability.

Profitability Margins

Improved profitability margins reflect effective cost management and operational efficiency, which can enhance shareholder value over time.

Cash Generation

Strong cash generation supports operational and strategic initiatives, providing financial flexibility and stability for future growth.

Negative Factors

Declining ROE

A declining ROE suggests challenges in efficiently generating returns from equity, which may impact investor confidence and long-term growth potential.

Operational Efficiency

While margins are improving, the need for better operational efficiency could limit profitability growth if not addressed, affecting competitive positioning.

Leverage Concerns

Although leverage is reduced, maintaining low leverage is crucial to avoid financial strain, especially in volatile economic conditions.

FVCBankcorp Business Overview & Revenue Model

Company Description

FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

How the Company Makes Money

FVCBankcorp generates revenue primarily through interest income from loans, which includes commercial, consumer, and mortgage loans. The bank charges interest on these loans, which forms a significant portion of its earnings. Additionally, FVCB earns income from fees associated with deposit services, transaction services, and treasury management solutions. The institution may also benefit from investment income generated through the purchase of securities. Strategic partnerships with local businesses and community organizations enhance its market presence and drive customer acquisition, contributing to its overall revenue growth.

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	117.13M	111.58M	91.86M	82.99M	70.25M	68.91M
Gross Profit	61.12M	53.85M	39.51M	64.93M	60.27M	49.41M
EBITDA	27.57M	22.74M	4.83M	31.68M	29.07M	20.62M
Net Income	21.31M	15.06M	3.82M	24.98M	21.93M	15.50M
Balance Sheet
Total Assets	2.32B	2.20B	2.19B	2.34B	2.20B	1.82B
Cash, Cash Equivalents and Short-Term Investments	228.92M	247.43M	232.12M	359.62M	598.57M	267.21M
Total Debt	25.61M	76.33M	113.86M	294.96M	55.62M	81.21M
Total Liabilities	2.07B	1.96B	1.97B	2.14B	1.99B	1.63B
Stockholders Equity	249.80M	235.35M	217.12M	202.38M	209.80M	189.50M
Cash Flow
Free Cash Flow	21.07M	18.09M	16.06M	22.23M	18.96M	14.51M
Operating Cash Flow	21.12M	18.23M	16.27M	22.39M	19.45M	14.87M
Investing Cash Flow	-20.12M	-8.92M	149.23M	-225.83M	-344.34M	-268.30M
Financing Cash Flow	3.87M	-9.19M	-164.71M	186.08M	328.67M	259.36M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.76
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 12.76 is above the 20-day moving average (MA) of 12.37, above the 50-day MA of 12.54, and above the 200-day MA of 11.93, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 57.62 is Neutral, neither overbought nor oversold. The STOCH value of 49.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FVCB.

FVCBankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NWFL	71 Outperform	$263.57M	43.46	3.56%	4.36%	-4.66%	-58.94%
FVCB	68 Neutral	$217.88M	10.39	8.87%	0.94%	16.68%	322.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MYFW	68 Neutral	$225.38M	18.04	4.95%	―	1.53%	109.74%
MBCN	64 Neutral	$264.52M	12.55	9.73%	2.58%	7.13%	48.87%
INBK	48 Neutral	$165.50M	―	-8.99%	1.26%	2.49%	-248.43%

FVCBankcorp Corporate Events

FVCBankcorp Releases Q3 2025 Investor Presentation

FVCBankcorp, Inc. has released an investor presentation on its website, which will be used by the company’s management during the third quarter of 2025 for meetings with investors, analysts, and other interested parties. This presentation aims to provide insights into the company’s operations and strategic plans, potentially impacting investor relations and market positioning.

The most recent analyst rating on (FVCB) stock is a Hold with a $13.00 price target. To see the full list of analyst forecasts on FVCBankcorp stock, see the FVCB Stock Forecast page.

FVCBankcorp Reports Strong Earnings Growth in Q3 2025

FVCBankcorp, Inc. is a Virginia-chartered community bank that serves the banking needs of commercial businesses, nonprofit organizations, and professional service entities in the Baltimore and Washington, D.C. metropolitan areas. The bank operates with a focus on relationship banking and has a network of full-service offices across Virginia, Washington, D.C., and Maryland.

FVCBankcorp Declares Quarterly Dividend Amid Income Surge

On October 16, 2025, FVCBankcorp‘s Board of Directors declared a quarterly cash dividend of $0.06 per share, payable on November 17, 2025. The company reported a 19% increase in quarterly net income to $5.6 million for the quarter ended September 30, 2025, compared to the same period in 2024. Year-to-date net income rose by 61% to $16.4 million. FVCBankcorp achieved significant growth in core operating earnings, net interest income, and core deposits, while maintaining strong credit quality and a well-capitalized balance sheet. The company’s strategic focus on technology and relationship banking is expected to support continued loan growth and shareholder value enhancement.

The most recent analyst rating on (FVCB) stock is a Hold with a $13.00 price target. To see the full list of analyst forecasts on FVCBankcorp stock, see the FVCB Stock Forecast page.