FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $284.86M
• Dividend Yield: 0.87%
• Average Volume (3M): 27.54K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.00
• 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: 18,074,814
• 10 Day Avg. Volume: 26,170
• 30 Day Avg. Volume: 27,537
• PEG Ratio: 0.24
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 2.07
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 2.48
• Enterprise Value/Gross Profit: 4.68
• Enterprise Value/Ebitda: 10.45
• 1Y Price Target: $16.00
• Price Target Upside: 1.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $16.00 ▲(1.52% Upside)

The score is driven primarily by mixed financial quality—balance-sheet deleveraging and multi-year revenue growth are positives, but profitability volatility and a problematic (or missing) 2025 cash-flow picture are significant risks. Technically the stock trends positively above key moving averages with bullish MACD, while valuation is reasonable on earnings but offers limited dividend support.

Positive Factors

Balance-sheet deleveraging

Sharp deleveraging meaningfully improves capital resilience and reduces interest expense burden, increasing loss-absorption capacity and regulatory flexibility. A stronger equity base supports measured lending and strategic investments without needing immediate external capital, aiding multi‑quarter stability.

Consistent revenue and loan growth

Sustained multi-year revenue expansion, supported by positive loan origination trends, underpins recurring interest income and franchise momentum. Steady loan growth helps diversify asset mix and compounds net interest income over time, supporting durable earnings if credit quality remains stable.

Mortgage origination expansion

The ACM acquisition broadens origination capacity and geographic reach, adding experienced originators and scale in mortgage production. Expanded mortgage footprint and accretive production create a recurring fee and interest income stream, diversifying revenue beyond core regional banking activities.

Negative Factors

2025 cash-flow deterioration / data gap

A reported collapse to zero operating/free cash flow in 2025 (or a dataset gap) materially weakens confidence in cash conversion and internal funding. Persistent or recurring cash-flow weakness would constrain capital deployment, dividends, loan growth funding, and increase reliance on external financing.

Profitability volatility and missing margin metrics

Irregular margins and incomplete 2025 profitability fields hinder reliable earnings forecasting and suggest earnings quality volatility. Such swings complicate capital planning and raise execution risk for sustaining returns, making long‑term profitability less predictable for investors and management.

Geographic concentration risk

Heavy Mid‑Atlantic concentration exposes the franchise to localized economic downturns, real estate cycles, and industry exposures. Limited geographic diversification can amplify stress in regional recessions and constrains scale advantages versus national peers, affecting long‑run growth resilience.

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

Income statement shows steady revenue growth and a strong 2024 earnings rebound, and the balance sheet is notably de-risked by 2025 with sharply lower debt and higher equity. Offsetting this, profitability has been volatile versus earlier years and the 2025 cash-flow data shows operating/free cash flow dropping to zero (or missing), which materially weakens confidence in current-year financial quality.

Income Statement

Revenue has grown steadily from 2020 through 2025 (positive growth each year), and profitability rebounded strongly in 2024 versus 2023 (net income up materially). However, earnings quality looks less consistent across the period: net margin swung from very strong levels in 2020–2022 to much lower in 2023–2024, and 2025 shows a much lower net margin than 2024. Several 2025 margin fields appear inconsistent/blank in the dataset, which reduces confidence in the trend read-through.

Balance Sheet

Leverage has improved dramatically versus 2022: total debt fell from about $295M (2022) to about $18.8M (2025), while equity increased to about $254M and assets rose to about $2.29B. That deleveraging supports balance-sheet resilience. Offsetting this, reported debt-to-equity and return-on-equity are missing/zeroed in 2025, limiting visibility into current-year capital efficiency, and the 2022 balance sheet showed meaningfully higher leverage, highlighting that capital structure has been volatile.

Cash Flow

Cash generation looks solid and consistent from 2020–2024, with operating cash flow positive each year and free cash flow closely tracking net income (near one-to-one in 2020–2024). The key concern is 2025, where operating and free cash flow are reported as zero and free cash flow growth is -100%, which is a sharp deterioration versus prior years. Given the otherwise stable history, this could reflect a data gap or an unusually weak year—but either way it raises risk around current cash conversion.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	122.03M	111.58M	91.86M	83.55M	71.50M
Gross Profit	65.82M	53.85M	39.51M	65.48M	61.52M
EBITDA	28.25M	22.74M	4.83M	31.68M	29.07M
Net Income	22.06M	15.06M	3.82M	24.98M	21.93M
Balance Sheet
Total Assets	2.29B	2.20B	2.19B	2.34B	2.20B
Cash, Cash Equivalents and Short-Term Investments	159.11M	247.43M	232.12M	359.62M	598.57M
Total Debt	18.75M	76.33M	113.86M	294.96M	55.62M
Total Liabilities	2.04B	1.96B	1.97B	2.14B	1.99B
Stockholders Equity	253.60M	235.35M	217.12M	202.38M	209.80M
Cash Flow
Free Cash Flow	0.00	18.09M	16.06M	22.23M	18.96M
Operating Cash Flow	0.00	18.23M	16.27M	22.39M	19.45M
Investing Cash Flow	0.00	-8.92M	149.23M	-225.83M	-344.34M
Financing Cash Flow	-8.16M	-9.19M	-164.71M	186.08M	328.67M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.76
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 15.76 is above the 20-day moving average (MA) of 14.65, above the 50-day MA of 13.87, and above the 200-day MA of 12.69, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 74.68 is Negative, neither overbought nor oversold. The STOCH value of 83.51 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
NWFL	70 Outperform	$345.74M	10.46	12.18%	4.21%	-4.66%	-58.94%
MBCN	68 Neutral	$275.06M	12.99	9.73%	2.39%	7.13%	48.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FVCB	64 Neutral	$284.86M	12.89	8.87%	0.87%	16.68%	322.32%
MYFW	58 Neutral	$252.68M	19.34	4.95%	―	1.53%	109.74%
INBK	51 Neutral	$189.53M	-5.40	-8.99%	1.07%	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.