FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $245.32M
• Dividend Yield: 0.44%
• Average Volume (3M): 35.42K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 1.05
• Revenue Growth: 17.89%
• EPS Growth: 351.71%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.30
• Shares Outstanding: 18,051,687
• 10 Day Avg. Volume: 31,200
• 30 Day Avg. Volume: 35,422
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.13
• Enterprise Value/Revenue: 2.45
• Enterprise Value/Gross Profit: 4.97
• Enterprise Value/Ebitda: 11.28
• 1Y Price Target: $15.50
• Price Target Upside: 14.39% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 76 Outperform
• Price Target: $15.00 ▲(10.70% Upside)

FVCBankcorp's overall stock score of 75.8 is primarily driven by strong financial performance and positive technical indicators. The company's robust financials, coupled with solid market momentum, provide a stable foundation. The initiation of a dividend program further enhances the stock's attractiveness, although the valuation is moderate with potential caution due to near-overbought technical 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 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's financial performance is strong with robust revenue and profit growth, efficient cost management, and prudent leverage. The balance sheet is solid with a sound equity base and low leverage. Cash flows are stable, supporting operational needs and strategic initiatives.

Income Statement

The income statement shows strong revenue and profit growth. The TTM revenue growth rate is robust at 1.32%, and net income has increased significantly. Gross profit margin is solid at 49.22% TTM, reflecting efficient cost management. The EBIT margin improved to 21.34% TTM, indicating enhanced operational profitability.

Balance Sheet

The balance sheet indicates a healthy equity position with an equity ratio of 10.81%. The debt-to-equity ratio is low at 0.11, suggesting conservative leverage. Return on equity is strong at 7.80% TTM, highlighting effective use of equity capital. However, total assets have shown moderate growth, which could be a focus area for future expansion.

Cash Flow

Cash flow analysis reveals steady free cash flow generation. The operating cash flow to net income ratio is 0.87 TTM, indicating efficient conversion of earnings to cash. The free cash flow to net income ratio is slightly lower at 0.87, demonstrating prudent cash management. Free cash flow growth is stable, supporting financial flexibility.

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

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 13.55 is above the 20-day moving average (MA) of 12.93, above the 50-day MA of 12.78, and above the 200-day MA of 12.01, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 60.83 is Neutral, neither overbought nor oversold. The STOCH value of 85.90 is Negative, 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
MBCN	77 Outperform	$251.81M	13.89	8.60%	2.62%	7.42%	15.82%
FVCB	76 Outperform	$245.32M	12.26	8.69%	0.44%	17.89%	351.71%
INBK	69 Neutral	$219.74M	14.33	4.06%	0.95%	17.13%	-16.81%
Sector *	68 Neutral	$17.89B	12.03	10.28%	3.73%	9.80%	1.66%
NWFL	68 Neutral	$242.75M	107.28	1.56%	4.65%	-4.78%	-85.40%
MYFW	64 Neutral	$226.04M	19.62	4.58%	―	0.35%	64.49%
FBLA	―	$235.27M	―	-1.92%	―	―	―

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.