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FVCBANKCORP INC (FVCB) Stock Fundamental Analysis

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

11.05  -0.59 (-5.07%)

After market: 11.05 0 (0%)

Fundamental Rating

3

Taking everything into account, FVCB scores 3 out of 10 in our fundamental rating. FVCB was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of FVCB have multiple concerns. FVCB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FVCB had positive earnings in the past year.
FVCB had a positive operating cash flow in the past year.
FVCB had positive earnings in each of the past 5 years.
FVCB had a positive operating cash flow in 4 of the past 5 years.
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

With a Return On Assets value of 0.22%, FVCB is not doing good in the industry: 87.47% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 2.21%, FVCB is doing worse than 86.22% of the companies in the same industry.
Industry RankSector Rank
ROA 0.22%
ROE 2.21%
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

Looking at the Profit Margin, with a value of 11.13%, FVCB is doing worse than 81.45% of the companies in the same industry.
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) 11.13%
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.
FVCB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FVCB has more shares outstanding
Compared to 1 year ago, FVCB has a worse 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

The Debt to FCF ratio of FVCB is 1.11, which is an excellent value as it means it would take FVCB, only 1.11 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FVCB (1.11) is better than 76.94% of its industry peers.
FVCB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.09, FVCB is doing good in the industry, outperforming 76.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC16.15%
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 20M 40M 60M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 113.64% over the past year.
The Earnings Per Share has been decreasing by -2.92% on average over the past years.
Looking at the last year, FVCB shows a very strong growth in Revenue. The Revenue has grown by 40.33%.
The Revenue has been growing slightly by 2.81% on average over the past years.
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

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y22.62%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.51%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FVCB Yearly Revenue VS EstimatesFVCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 0.5 1

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.76 indicates a reasonable valuation of FVCB.
62.41% of the companies in the same industry are more expensive than FVCB, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.62. FVCB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.59, which indicates a very decent valuation of FVCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FVCB indicates a somewhat cheap valuation: FVCB is cheaper than 77.19% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. FVCB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.76
Fwd PE 9.59
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FVCB indicates a somewhat cheap valuation: FVCB is cheaper than 61.40% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.36
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2YN/A
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 (2/21/2025, 8:22:35 PM)

After market: 11.05 0 (0%)

11.05

-0.59 (-5.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-21 2025-04-21/amc
Inst Owners49.33%
Inst Owner Change-97.19%
Ins Owners16.19%
Ins Owner Change3.36%
Market Cap201.11M
Analysts43.33
Price Target13.52 (22.35%)
Short Float %0.44%
Short Ratio3.77
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)2
Avg EPS beat(2)4.75%
Min EPS beat(2)2.12%
Max EPS beat(2)7.38%
EPS beat(4)3
Avg EPS beat(4)-56.8%
Min EPS beat(4)-237.25%
Max EPS beat(4)7.38%
EPS beat(8)5
Avg EPS beat(8)-33.9%
EPS beat(12)7
Avg EPS beat(12)-22.13%
EPS beat(16)11
Avg EPS beat(16)-15.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.35%
Min Revenue beat(2)-1.48%
Max Revenue beat(2)-1.23%
Revenue beat(4)0
Avg Revenue beat(4)-3.72%
Min Revenue beat(4)-8.31%
Max Revenue beat(4)-1.23%
Revenue beat(8)1
Avg Revenue beat(8)-9.76%
Revenue beat(12)5
Avg Revenue beat(12)-4.26%
Revenue beat(16)9
Avg Revenue beat(16)-2.46%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 9.59
P/S 4.39
P/FCF 11.36
P/OCF 11.23
P/B 0.87
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)0.94
EY8.51%
EPS(NY)1.15
Fwd EY10.43%
FCF(TTM)0.97
FCFY8.8%
OCF(TTM)0.98
OCFY8.91%
SpS2.51
BVpS12.68
TBVpS12.27
PEG (NY)0.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 2.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.13%
GM N/A
FCFM 38.69%
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 44.33%
Cap/Sales 0.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 347.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)113.64%
EPS 3Y-12.85%
EPS 5Y-2.92%
EPS Q2Q%192.86%
EPS Next Y22.62%
EPS Next 2YN/A
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 Year14.51%
Revenue Next 2YN/A
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 1Y-11.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-11.5%
OCF growth 3YN/A
OCF growth 5YN/A