Freedom Bank of Virginia (FDVA)
OTHER OTC:FDVA
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Freedom Bank of Virginia
(OTC:FDVA)
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Rating:43Neutral
Price Target:
$11.50
▼(-3.36% Downside)
Action:Reiterated
Date:03/31/26
The score is held down primarily by deteriorating 2025 profitability and weaker, less reliable cash generation versus earlier years. Technical indicators also point to negative momentum. A more stable balance sheet (improving leverage) is a partial offset, but the very high P/E and lack of dividend support further weigh on the overall rating.
Positive Factors
Improved Leverage
The reduction in debt-to-equity to ~0.75 meaningfully lowers financial leverage and funding risk for a community bank. Sustained lower leverage preserves capital buffers, increases resilience to credit stress, and supports ongoing lending capacity and regulatory flexibility over the next several quarters.
Negative Factors
Profitability Collapse
A dramatic fall in net margin and ROE signals a sharp loss of core earnings power. Persistently depressed margins reduce internal capital generation and the bank’s ability to absorb loan losses or fund strategic investments, raising the risk that profitability remains impaired without structural revenue or cost improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
The reduction in debt-to-equity to ~0.75 meaningfully lowers financial leverage and funding risk for a community bank. Sustained lower leverage preserves capital buffers, increases resilience to credit stress, and supports ongoing lending capacity and regulatory flexibility over the next several quarters.
Read all positive factors
Freedom Bank of Virginia (FDVA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$80.42M
Dividend YieldN/A
Average Volume (3M)949.00
Price to Earnings (P/E)―
Beta (1Y)0.17
Revenue Growth-6.18%
EPS Growth-108.91%
CountryUS
Employees28
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding6,646,006
10 Day Avg. Volume1,939
30 Day Avg. Volume949
Financial Highlights & Ratios
PEG Ratio-2.45
Price to Book (P/B)1.00
Price to Sales (P/S)1.33
P/FCF Ratio100.73
Enterprise Value/Market Cap1.59
Enterprise Value/Revenue1.95
Enterprise Value/Gross Profit4.27
Enterprise Value/Ebitda25.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Freedom Bank of Virginia Business Overview & Revenue Model
Company Description
Freedom Financial Holdings, Inc. serves as the parent company for The Freedom Bank of Virginia, which delivers a comprehensive array of commercial, personal, and mortgage banking solutions. The bank's offerings encompass diverse deposit products, ...
How the Company Makes Money
Freedom Bank of Virginia primarily makes money through net interest income and noninterest income. Net interest income is earned by collecting interest and fees on loans (such as commercial real estate, commercial and industrial, construction, and...
Freedom Bank of Virginia Financial Statement Overview
Summary
Income Statement
42
Neutral
Balance Sheet
63
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 65.77M | 63.61M | 66.41M | 60.10M | 44.27M | 40.14M |
| Gross Profit | 29.96M | 24.52M | 30.68M | 25.03M | 35.68M | 36.26M |
| EBITDA | 5.10M | 206.81K | 5.60M | 2.17M | 13.42M | 13.44M |
| Net Income | 4.32M | 374.20K | 4.71M | 2.32M | 10.56M | 10.73M |
Balance Sheet | ||||||
| Total Assets | 1.07B | 1.07B | 1.09B | 1.08B | 990.63M | 876.67M |
| Cash, Cash Equivalents and Short-Term Investments | 253.40M | 0.00 | 0.00 | 235.51M | 216.33M | 205.77M |
| Total Debt | 61.72M | 63.38M | 86.86M | 71.95M | 46.54M | 51.48M |
| Total Liabilities | 987.96M | 981.79M | 1.01B | 1.01B | 915.69M | 792.51M |
| Stockholders Equity | 84.12M | 84.34M | 81.44M | 77.23M | 74.95M | 84.16M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 838.10K | 428.23K | 3.94M | 32.80M | 46.39M |
| Operating Cash Flow | 0.00 | 893.81K | 428.23K | 3.98M | 32.80M | 46.42M |
| Investing Cash Flow | 0.00 | 67.66M | 1.22M | -105.44M | -147.12M | -141.60M |
| Financing Cash Flow | 0.00 | -22.62M | 2.79M | 90.93M | 114.86M | 102.08M |
Freedom Bank of Virginia Technical Analysis
Positive
11.90
Price Trends
12.02
Positive
12.05
Positive
11.81
Positive
Market Momentum
<0.01
Positive
51.05
Neutral
74.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDVA, the sentiment is Positive. The current price of 11.9 is below the 20-day moving average (MA) of 12.08, below the 50-day MA of 12.02, and above the 200-day MA of 11.81, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.05 is Neutral, neither overbought nor oversold. The STOCH value of 74.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FDVA.
Freedom Bank of Virginia Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $110.27M | 10.07 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.52M | 14.75 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $89.53M | 15.11 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $92.50M | 11.29 | 11.80% | 6.51% | 7.19% | 9.14% | |
48 Neutral | $99.55M | 19.22 | 3.14% | 2.88% | -3.63% | ― | |
43 Neutral | $80.42M | -177.32 | -0.57% | ― | -6.18% | -108.91% |
* Financial Sector Average
FDVA
Freedom Bank of Virginia
12.10
0.71
6.23%
BOTJ
Bank Of The Jame Financial
24.27
10.33
74.05%
SSBI
Summit State Bank
13.41
3.40
33.97%
UBCP
United Bancorp
16.00
3.30
25.95%
FUSB
First US Bancshares
15.90
3.56
28.86%
FNWB
First Northwest Bancorp
10.48
1.75
20.05%
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.