FVCBankcorp Inc (FVCB)
NASDAQ:FVCB
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FVCBankcorp
(NASDAQ:FVCB)
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Rating:69Neutral
Price Target:
$17.00
▲(9.32% Upside)
Action:Downgraded
Date:05/21/26
The score is driven primarily by improved profitability, conservative leverage, and healthy cash generation, offset by the recent TTM revenue decline. Valuation is reasonable with a modest dividend, while technicals indicate only mild positive trend strength. Corporate actions (notably the extended buyback) add incremental support.
Positive Factors
Conservative leverage
Sustained low debt-to-equity (~0.09 TTM) materially reduces financial risk and enhances capital resilience. This durable balance-sheet strength provides capacity to absorb credit shocks, support lending growth and discretionary buybacks, and maintain regulatory headroom across economic cycles.
Negative Factors
TTM revenue decline
A ~9% TTM revenue decline signals weakening core top-line momentum that may reflect softer loan demand, deposit pressures, or fee compression. Persistent revenue erosion can strain operating leverage, limit reinvestment capacity, and make sustaining current margin levels more challenging over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
Sustained low debt-to-equity (~0.09 TTM) materially reduces financial risk and enhances capital resilience. This durable balance-sheet strength provides capacity to absorb credit shocks, support lending growth and discretionary buybacks, and maintain regulatory headroom across economic cycles.
Read all positive factors
FVCBankcorp (FVCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$281.83M
Dividend Yield0.87%
Average Volume (3M)27.54K
Price to Earnings (P/E)12.3
Beta (1Y)0.94
Revenue Growth4.74%
EPS Growth24.29%
CountryUS
Employees110
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.29
Shares Outstanding17,996,792
10 Day Avg. Volume26,170
30 Day Avg. Volume27,537
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.99
Price to Sales (P/S)2.07
P/FCF Ratio10.56
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue2.79
Enterprise Value/Gross Profit4.56
Enterprise Value/Ebitda10.38
Forecast
1Y Price Target
$19.00Price Target Upside22.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.43
Revenue Forecast (FY)$76.61M
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 accoun...
How the Company Makes Money
FVCBankcorp makes money primarily through its banking subsidiary by earning interest and fees from providing financial products and services. The largest revenue driver for most commercial banks is net interest income: the bank collects interest o...
FVCBankcorp Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 109.35M | 122.03M | 111.58M | 91.86M | 83.55M | 71.50M |
| Gross Profit | 66.84M | 65.82M | 53.85M | 39.51M | 65.48M | 61.52M |
| EBITDA | 29.39M | 28.25M | 22.74M | 4.83M | 31.68M | 29.07M |
| Net Income | 23.28M | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M |
Balance Sheet | ||||||
| Total Assets | 2.34B | 2.29B | 2.20B | 2.19B | 2.34B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 9.44M | 127.63M | 247.43M | 232.12M | 359.62M | 598.57M |
| Total Debt | 30.54M | 25.24M | 76.33M | 113.86M | 294.96M | 55.62M |
| Total Liabilities | 2.08B | 2.04B | 1.96B | 1.97B | 2.14B | 1.99B |
| Stockholders Equity | 260.33M | 253.60M | 235.35M | 217.12M | 202.38M | 209.80M |
Cash Flow | ||||||
| Free Cash Flow | 26.04M | 23.86M | 18.09M | 16.06M | 22.23M | 18.96M |
| Operating Cash Flow | 26.07M | 23.86M | 18.23M | 16.27M | 22.39M | 19.45M |
| Investing Cash Flow | -97.05M | -94.66M | -8.92M | 149.23M | -225.83M | -344.34M |
| Financing Cash Flow | 67.46M | 68.32M | -9.19M | -164.71M | 186.08M | 328.67M |
FVCBankcorp Technical Analysis
Positive
15.55
Price Trends
15.52
Positive
15.30
Positive
14.09
Positive
Market Momentum
0.10
Negative
58.23
Neutral
66.20
Neutral
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 15.55 is below the 20-day moving average (MA) of 15.68, above the 50-day MA of 15.52, and above the 200-day MA of 14.09, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 58.23 is Neutral, neither overbought nor oversold. The STOCH value of 66.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FVCB.
FVCBankcorp Risk Analysis
FVCBankcorp disclosed 36 risk factors in its most recent earnings report. FVCBankcorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
FVCBankcorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $281.83M | 12.35 | 9.25% | 0.87% | 4.74% | 24.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $274.55M | 18.31 | 5.74% | ― | 5.87% | 49.29% | |
63 Neutral | $319.75M | 10.77 | 10.43% | 4.21% | 37.90% | 2989.42% | |
58 Neutral | $200.66M | -6.30 | -9.19% | 1.07% | -7.72% | -258.34% |
* Financial Sector Average
FVCB
FVCBankcorp
16.03
4.82
43.01%
NWFL
Norwood Financial
30.23
5.51
22.28%
INBK
First Internet Bancorp
24.24
0.90
3.86%
MYFW
First Western Financial
28.84
7.94
37.99%
FBLA
FB Bancorp, Inc.
13.95
2.90
26.24%
FVCBankcorp Corporate Events
Executive/Board ChangesShareholder Meetings
FVCBankcorp Shareholders Back Directors, Pay and Auditor
Positive
May 21, 2026
FVCBankcorp, Inc. held its Annual Meeting of Shareholders on May 20, 2026, where investors voted to elect the full slate of director nominees to one-year terms expiring at the 2027 annual meeting. The vote results showed strong overall support for...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
FVCBankcorp Presents Q1 2026 Investor Update Materials
Neutral
May 5, 2026
FVCBankcorp furnished an investor presentation for the quarter ended March 31, 2026, to be used in meetings with investors, analysts and other stakeholders, clarifying that the materials are provided for information purposes only and are not deeme...
Business Operations and StrategyStock Buyback
FVCBankcorp Extends Share Repurchase Program Through 2027
Positive
Mar 20, 2026
On March 19, 2026, FVCBankcorp, Inc. said its board had extended the share repurchase program first launched in 2020, authorizing buybacks of up to 1.4 million common shares, or about 8% of stock outstanding as of Dec. 31, 2025. The program, which...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.