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FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

NASDAQ:FVCB - Nasdaq - US36120Q1013 - Common Stock - Currency: USD

9.79  -0.18 (-1.81%)

Fundamental Rating

4

Overall FVCB gets a fundamental rating of 4 out of 10. We evaluated FVCB against 398 industry peers in the Banks industry. Both the profitability and financial health of FVCB have multiple concerns. FVCB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FVCB had positive earnings in the past year.
In the past year FVCB had a positive cash flow from operations.
In the past 5 years FVCB has always been profitable.
In the past 5 years FVCB always reported a positive cash flow from operatings.
FVCB Yearly Net Income VS EBIT VS OCF VS FCFFVCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

FVCB has a Return On Assets of 0.69%. This is comparable to the rest of the industry: FVCB outperforms 40.20% of its industry peers.
Looking at the Return On Equity, with a value of 6.40%, FVCB is doing worse than 66.83% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 6.4%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.75%
ROE(3y)6.83%
ROE(5y)7.83%
ROIC(3y)N/A
ROIC(5y)N/A
FVCB Yearly ROA, ROE, ROICFVCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FVCB's Profit Margin of 25.92% is fine compared to the rest of the industry. FVCB outperforms 65.58% of its industry peers.
FVCB's Profit Margin has declined in the last couple of years.
FVCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.73%
PM growth 5Y-3.69%
GM growth 3YN/A
GM growth 5YN/A
FVCB Yearly Profit, Operating, Gross MarginsFVCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

FVCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FVCB has been increased compared to 1 year ago.
FVCB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FVCB has an improved debt to assets ratio.
FVCB Yearly Shares OutstandingFVCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
FVCB Yearly Total Debt VS Total AssetsFVCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

FVCB has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
FVCB has a Debt to FCF ratio of 1.03. This is in the better half of the industry: FVCB outperforms 75.63% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FVCB is not too dependend on debt financing.
The Debt to Equity ratio of FVCB (0.08) is better than 77.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC22.92%
FVCB Yearly LT Debt VS Equity VS FCFFVCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FVCB Yearly Current Assets VS Current LiabilitesFVCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 113.64% over the past year.
Measured over the past years, FVCB shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.92% on average per year.
FVCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.33%.
FVCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.81% yearly.
EPS 1Y (TTM)113.64%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%192.86%
Revenue 1Y (TTM)40.33%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.81%

3.2 Future

FVCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.19% yearly.
FVCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.03% yearly.
EPS Next Y13.94%
EPS Next 2Y12.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.23%
Revenue Next 2Y10.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FVCB Yearly Revenue VS EstimatesFVCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
FVCB Yearly EPS VS EstimatesFVCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.41, the valuation of FVCB can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as FVCB.
Compared to an average S&P500 Price/Earnings ratio of 28.29, FVCB is valued rather cheaply.
The Price/Forward Earnings ratio is 9.14, which indicates a very decent valuation of FVCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FVCB is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, FVCB is valued rather cheaply.
Industry RankSector Rank
PE 10.41
Fwd PE 9.14
FVCB Price Earnings VS Forward Price EarningsFVCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FVCB.
Industry RankSector Rank
P/FCF 9.96
EV/EBITDA N/A
FVCB Per share dataFVCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

FVCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FVCB's earnings are expected to grow with 12.19% in the coming years.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y12.19%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for FVCB!.
Industry RankSector Rank
Dividend Yield N/A

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FVCBANKCORP INC

NASDAQ:FVCB (4/21/2025, 2:18:54 PM)

9.79

-0.18 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners49.33%
Inst Owner Change0.02%
Ins Owners16.19%
Ins Owner Change7.43%
Market Cap180.23M
Analysts43.33
Price Target12.75 (30.23%)
Short Float %0.49%
Short Ratio4.2
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.04%
Min EPS beat(2)-0.04%
Max EPS beat(2)2.12%
EPS beat(4)3
Avg EPS beat(4)2.5%
Min EPS beat(4)-0.04%
Max EPS beat(4)7.38%
EPS beat(8)5
Avg EPS beat(8)-28.3%
EPS beat(12)7
Avg EPS beat(12)-21.79%
EPS beat(16)10
Avg EPS beat(16)-16.13%
Revenue beat(2)0
Avg Revenue beat(2)-0.84%
Min Revenue beat(2)-1.48%
Max Revenue beat(2)-0.2%
Revenue beat(4)0
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-3.86%
Max Revenue beat(4)-0.2%
Revenue beat(8)1
Avg Revenue beat(8)-8.09%
Revenue beat(12)4
Avg Revenue beat(12)-4.92%
Revenue beat(16)8
Avg Revenue beat(16)-2.78%
PT rev (1m)-5.66%
PT rev (3m)-5.66%
EPS NQ rev (1m)-4%
EPS NQ rev (3m)-4%
EPS NY rev (1m)-7.08%
EPS NY rev (3m)-7.08%
Revenue NQ rev (1m)-0.8%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)-2%
Revenue NY rev (3m)-2%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 9.14
P/S 3.1
P/FCF 9.96
P/OCF 9.89
P/B 0.77
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)0.94
EY9.6%
EPS(NY)1.07
Fwd EY10.94%
FCF(TTM)0.98
FCFY10.04%
OCF(TTM)0.99
OCFY10.12%
SpS3.16
BVpS12.78
TBVpS12.38
PEG (NY)0.75
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 6.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.92%
GM N/A
FCFM 31.12%
ROA(3y)0.64%
ROA(5y)0.75%
ROE(3y)6.83%
ROE(5y)7.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.73%
PM growth 5Y-3.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr 31.69%
Cap/Sales 0.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC22.92%
ROIC/WACCN/A
Cap/Depr(3y)30.77%
Cap/Depr(5y)36.94%
Cap/Sales(3y)0.34%
Cap/Sales(5y)0.49%
Profit Quality(3y)209.72%
Profit Quality(5y)161.86%
High Growth Momentum
Growth
EPS 1Y (TTM)113.64%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%192.86%
EPS Next Y13.94%
EPS Next 2Y12.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)40.33%
Revenue growth 3Y-2.26%
Revenue growth 5Y2.81%
Sales Q2Q%17.81%
Revenue Next Year12.23%
Revenue Next 2Y10.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.67%
FCF growth 3Y-1.55%
FCF growth 5Y-1.1%
OCF growth 1Y12.07%
OCF growth 3Y-2.13%
OCF growth 5Y-1.26%