FVCB Stock Analysis: FVCBankcorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 314m USD | 12M Return: 37% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.24M
EPS Trend: 50.1%
Qual. Beats: 1
Rev. Trend: 96.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FVCBankcorp, Inc. is the bank holding company for FVCbank, a community-oriented commercial bank headquartered in Fairfax, Virginia, and founded in 2007. It provides a full suite of banking products and services primarily targeting small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. Its deposit offerings include interest-bearing and non-interest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. On the lending side, the company offers commercial real estate loans, commercial construction loans, working capital and equipment loans, lines of credit, government contract financing, Small Business Administration (SBA) lending, asset-based lending and accounts receivable financing, home equity loans and lines of credit, and consumer construction loans. It also provides business and consumer credit cards, merchant services, business insurance products, and digital, remote deposit, and mobile banking channels.
As a regional bank holding company listed on the NASDAQ under the ticker FVCB, FVCBankcorp operates through a traditional spread-based business model, generating revenue primarily from net interest income on loans and securities, supplemented by fee-based services such as merchant processing and insurance. Its focus on the greater Washington, D.C. metropolitan area and on serving business and professional clients rather than mass-market retail banking distinguishes it from larger national competitors.
- Net interest margin compression pressures profitability as deposit costs rise
- Commercial real estate loan portfolio faces office sector credit risk
- Loan growth in DC metro market drives core deposit and fee income
| Net Income: 23.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.38 > 1.0 |
| NWC/Revenue: -1.61k% < 20% (prev -1.43k%; Δ -187.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 26.1m > Net Income 23.3m |
| Net Debt (27.2m) to EBITDA (30.4m): 0.89 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (18.1m) vs 12m ago -1.93% < -2% |
| Gross Margin: 55.08% > 18% (prev 49.23%; Δ 5.85% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 5.05%; Δ 0.32% > 0%) |
| Interest Coverage Ratio: 0.56 > 6 (EBIT TTM 30.1m / Interest Expense TTM 53.5m) |
| A: -0.85 (Total Current Assets 20.0m - Total Current Liabilities 2.00b) / Total Assets 2.34b |
| B: 0.07 (Retained Earnings 156.2m / Total Assets 2.34b) |
| C: 0.01 (EBIT TTM 30.1m / Avg Total Assets 2.29b) |
| D: 0.13 (Book Value of Equity 260.3m / Total Liabilities 2.08b) |
| Altman-Z'' = -5.12 = D |
| DSRI: 0.96 (Receivables 10.5m/10.1m, Revenue 122.7m/113.1m) |
| GMI: 0.89 (GM 49.23% / 55.08%) |
| AQI: 1.14 (AQ_t 0.99 / AQ_t-1 0.86) |
| SGI: 1.08 (Revenue 122.7m / 113.1m) |
| TATA: -0.00 (NI 23.3m - CFO 26.1m) / TA 2.34b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 17.26 with a total of 147,289 shares traded. Over the past week, the price has changed by -1.15%, over one month by +5.89%, over three months by +13.61% and over the past year by +37.04%.
Current recommended Stop Loss: 16.80 (which is 2.7% or 1.2 ATR below the current price).
FVCBankcorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold FVCB.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 18.4 | 6.5% |
P/E Trailing = 13.6484
P/E Forward = 12.3762
P/S = 4.5957
P/B = 1.2361
Revenue TTM = 122.7m USD
EBIT TTM = 30.1m USD
EBITDA TTM = 30.4m USD
Long Term Debt = 24.5m USD (from longTermDebt, last quarter)
Short Term Debt = 1.80m USD (from shortTermDebt, last fiscal year)
Debt = 36.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 6.09m
Net Debt = 27.2m USD (calculated: Debt 36.6m - CCE 9.44m)
Enterprise Value = 341.6m USD (314.4m + Debt 36.6m - CCE 9.44m)
Interest Coverage Ratio = 0.56 (Ebit TTM 30.1m / Interest Expense TTM 53.5m)
EV/FCF = 13.12x (Enterprise Value 341.6m / FCF TTM 26.0m)
FCF Yield = 7.62% (FCF TTM 26.0m / Enterprise Value 341.6m)
FCF Margin = 21.22% (FCF TTM 26.0m / Revenue TTM 122.7m)
Net Margin = 18.98% (Net Income TTM 23.3m / Revenue TTM 122.7m)
Gross Margin = 55.08% ((Revenue TTM 122.7m - Cost of Revenue TTM 55.1m) / Revenue TTM)
Gross Margin QoQ = 59.01% (prev 53.77%)
Tobins Q-Ratio = 0.15 (Enterprise Value 341.6m / Total Assets 2.34b)
Interest Expense / Debt = 146.2% (Interest Expense 53.5m / Debt 36.6m)
Taxrate = 22.67% (6.83m / 30.1m)
NOPAT = 23.3m (EBIT 30.1m * (1 - 22.67%))
Current Ratio = 0.01 (Total Current Assets 20.0m / Total Current Liabilities 2.00b)
Debt / Equity = 0.14 (Debt 36.6m / totalStockholderEquity, last quarter 260.3m)
Debt / EBITDA = 0.89 (Net Debt 27.2m / EBITDA 30.4m)
Debt / FCF = 1.04 (Net Debt 27.2m / FCF TTM 26.0m)
Total Stockholder Equity = 251.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 23.3m / Total Assets 2.34b)
RoE = 9.25% (Net Income TTM 23.3m / Total Stockholder Equity 251.7m)
RoCE = 10.90% (EBIT 30.1m / Capital Employed (Equity 251.7m + L.T.Debt 24.5m))
RoIC = 1.00% (NOPAT 23.3m / Invested Capital 2.33b)
WACC = 7.37% (E(314.4m)/V(351.0m) * Re(8.23%) + (debt cost/tax rate unavailable))
Discount Rate = 8.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -37.78 | Cagr: -0.45%
[DCF] Terminal Value 77.97% ; FCFF base≈22.2m ; Y1≈25.4m ; Y5≈37.4m
[DCF] Fair Price = 29.75 (EV 562.5m - Net Debt 27.2m = Equity 535.3m / Shares 18.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 50.10 | EPS CAGR: 32.73% | SUE: 2.16 | # QB: 1
Revenue Correlation: 96.33 | Revenue CAGR: 10.79% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.36 | Chg30d=+5.88% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.38 | Chg30d=+2.70% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=1.53 | Chg30d=+7.37% | Revisions=+25% | GrowthEPS=+27.5% | GrowthRev=+16.3%
EPS next Year (2027-12-31): EPS=1.59 | Chg30d=+0.31% | Revisions=+0% | GrowthEPS=+4.2% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +30% (up=5, down=2)