FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $223.99M
• Dividend Yield: 0.49%
• Average Volume (3M): 55.39K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 1.13
• Revenue Growth: 17.89%
• EPS Growth: 351.71%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.30
• Shares Outstanding: 17,991,528
• 10 Day Avg. Volume: 37,311
• 30 Day Avg. Volume: 55,392
• 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: 1.20
• Enterprise Value/Revenue: 2.38
• Enterprise Value/Gross Profit: 4.84
• Enterprise Value/Ebitda: 10.98
• 1Y Price Target: $16.00
• Price Target Upside: 29.45% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $15.00 ▲(21.36% 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. (FVCB) is a financial holding company primarily engaged in commercial banking services. The company operates through its wholly-owned subsidiary, FVCbank, providing a range of financial services to individuals, small and medium-sized businesses, and commercial clients. Headquartered in Fairfax, Virginia, FVCbank offers products and services including business and personal deposit accounts, commercial loans, lines of credit, cash management services, and other traditional banking solutions. The bank focuses on delivering personalized service and fostering strong client relationships within its regional market.

How the Company Makes Money

FVCBankcorp generates revenue primarily through interest income from its loan portfolio and investment securities. Key revenue streams include interest collected on various types of loans such as commercial real estate, construction, and small business loans. Additionally, the company earns income from fees associated with deposit accounts, cash management services, and other banking-related services. FVCbank also benefits from strategic partnerships with financial service providers to offer a broader range of products, contributing to fee income. The bank's profitability is influenced by factors such as interest rate fluctuations, loan demand, and economic conditions in its operating region.

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: Neutral
• Last Price: 12.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FVCB, the sentiment is Neutral. The current price of 12.36 is below the 20-day moving average (MA) of 13.02, above the 50-day MA of 12.27, and above the 200-day MA of 12.01, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 41.56 is Neutral, neither overbought nor oversold. The STOCH value of 12.32 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FVCB.

FVCBankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FVCB	76 Outperform	$223.99M	11.24	8.69%	0.49%	17.89%	351.71%
MBCN	73 Outperform	$219.08M	12.08	8.60%	3.00%	7.42%	15.82%
INBK	63 Neutral	$190.03M	12.41	4.06%	1.10%	17.13%	-16.81%
Sector *	63 Neutral	₹728.15B	27.02	10.90%	1.27%	7.93%	-1.41%
MYFW	62 Neutral	$199.51M	17.45	4.58%	―	0.35%	64.49%
NWFL	59 Neutral	$228.72M	103.08	1.56%	5.14%	-4.78%	-85.63%

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.