FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $207.80M
• Dividend Yield: N/A
• Average Volume (3M): 28.45K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 1.06
• Revenue Growth: 17.18%
• EPS Growth: 305.35%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 17,991,528
• 10 Day Avg. Volume: 29,537
• 30 Day Avg. Volume: 28,452
• PEG Ratio: 0.46
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 42.82
• Enterprise Value/Market Cap: 0.53
• Enterprise Value/Revenue: 0.26
• Enterprise Value/Gross Profit: 1.97
• Enterprise Value/Ebitda: 1.66
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: $13.00 ▲(12.55%Upside)

FVCBankcorp shows a strong financial performance with robust revenue and profit growth and efficient cost management as the most significant factor. Technical analysis presents a balanced view with moderate momentum signals. Valuation is moderate, indicating a fair price relative to earnings. The absence of dividend yield slightly impacts the attractiveness for some investors.

FVCBankcorp Business Overview & Revenue Model

Company Description

FVCBankcorp, Inc. (FVCB) is a bank holding company that operates through its wholly-owned subsidiary, FVCbank, which is based in Fairfax, Virginia. The bank provides a range of financial services to both individual and business clients, primarily focusing on small- to medium-sized businesses, professionals, and other entities in the Washington D.C. metropolitan area. FVCbank offers a variety of banking solutions including commercial lending, personal banking, and deposit products designed to cater to the unique needs of its client base.

How the Company Makes Money

FVCBankcorp generates revenue primarily through the interest income derived from its loan portfolio. This includes commercial loans, real estate loans, and consumer loans. Additionally, the bank earns non-interest income from various fees and service charges related to its deposit accounts, cash management services, and other financial products offered to its clients. The bank also engages in investment activities that contribute to its earnings. Key partnerships with local businesses and real estate developers help drive its loan growth and expand its customer base, further enhancing its revenue potential.

FVCBankcorp Financial Statement Overview

Summary

FVCBankcorp exhibits strengths in maintaining a conservative balance sheet with low leverage and a strong equity ratio. However, significant weaknesses are noted in the income statement and cash flow metrics due to recent reporting anomalies or operational issues. The absence of key financial metrics such as revenue, EBIT, and EBITDA in the latest year is concerning and suggests potential underlying challenges. Stability in cash flow and profitability needs improvement for stronger financial health.

Income Statement

The net profit margin for the most recent year is not calculable due to zero revenue, indicating a reporting issue or operational anomaly. Historical data shows a decline in revenue over recent years, affecting profitability metrics such as EBIT and EBITDA margins which are not calculable either. Recent performance decline may reflect operational challenges or industry conditions.

Balance Sheet

The company maintains a relatively low debt-to-equity ratio, indicating conservative leverage. There is a healthy equity ratio, suggesting a strong capital base relative to total assets. However, declining equity could pose a challenge if growth is pursued aggressively without proper capital management.

Cash Flow

Free cash flow and operating cash flow are absent for the most recent year, raising concerns about cash generation. Historically, free cash flow was positive but has shown fluctuations, which could indicate instability in cash management or variable capital expenditures. Stability in cash flow is critical for sustaining operations and supporting future growth.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
113.06M	111.58M	91.86M	82.99M	70.25M	68.91M
	Gross Profit
55.66M	53.85M	39.51M	64.93M	60.27M	49.41M
	EBIT
24.13M	22.30M	4.23M	30.99M	28.21M	19.66M
	EBITDA
24.54M	22.74M	4.83M	31.68M	29.07M	20.62M
	Net Income Common Stockholders
18.89M	15.06M	3.82M	24.98M	21.93M	15.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
282.65M	247.43M	232.12M	359.62M	598.57M	267.21M
	Total Assets
2.24B	2.20B	2.19B	2.34B	2.20B	1.82B
	Total Debt
25.98M	76.33M	113.86M	294.96M	55.62M	81.21M
	Net Debt
-97.95M	-14.62M	53.34M	213.41M	-185.34M	-59.85M
	Total Liabilities
2.00B	1.96B	1.97B	2.14B	1.99B	1.63B
	Stockholders Equity
242.33M	235.35M	217.12M	202.38M	209.80M	189.50M
Cash Flow		Free Cash Flow
16.35M	18.09M	16.06M	22.23M	18.96M	14.51M
	Operating Cash Flow
16.50M	18.23M	16.27M	22.39M	19.45M	14.87M
	Investing Cash Flow
-53.16M	-8.92M	149.23M	-225.83M	-344.34M	-268.30M
	Financing Cash Flow
42.69M	-9.19M	-164.71M	186.08M	328.67M	259.36M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• 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 11.55 is above the 20-day moving average (MA) of 11.49, above the 50-day MA of 11.22, and below the 200-day MA of 12.03, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 53.42 is Neutral, neither overbought nor oversold. The STOCH value of 32.77 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
FVCB	75 Outperform	$207.80M	11.27	8.16%	―	17.18%	305.35%
WNEB	75 Outperform	$178.32M	16.31	4.65%	3.25%	8.70%	-10.56%
HWBK	71 Outperform	$198.40M	10.41	6.62%	2.80%	4.86%	800.59%
ESSA	68 Neutral	$186.64M	11.86	6.43%	3.26%	5.57%	-16.40%
Sector *	64 Neutral	$12.77B	9.78	7.84%	78.83%	12.06%	-7.99%
VABK	64 Neutral	$200.64M	11.28	11.15%	3.87%	2.26%	3.83%
FUNC	62 Neutral	$185.68M	8.21	12.99%	3.07%	13.41%	62.54%

FVCBankcorp Corporate Events

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.