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Freedom Bank of Virginia
(OTC:FDVA)
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Rating:47Neutral
Price Target:
$12.00
▲(0.84% Upside)
Action:Reiterated
Date:08/04/26
The score is mainly held back by weak financial performance—especially the 2025 earnings compression and reduced, inconsistent cash generation—despite an improved leverage profile. Technicals are broadly neutral with the stock trading near key moving averages, while valuation is a negative factor given the negative P/E and lack of a dividend yield.
Positive Factors
Improved leverage
Leverage reduction to ~0.75 improves financial flexibility and lowers solvency risk. A stronger debt-to-equity ratio gives the bank more capacity to absorb credit losses, support lending or regulatory capital requirements, and sustain operations through adverse cycles over the next several months.
Negative Factors
Earnings compression
A collapse in net margin to ~0.6% reflects material profitability deterioration, reducing the bank's ability to internally fund growth, build capital, or absorb shocks. Sustained margin compression would impair recurring earnings power and limit strategic flexibility over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Leverage reduction to ~0.75 improves financial flexibility and lowers solvency risk. A stronger debt-to-equity ratio gives the bank more capacity to absorb credit losses, support lending or regulatory capital requirements, and sustain operations through adverse cycles over the next several months.
Read all positive factors
Freedom Bank of Virginia (FDVA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$84.53M
Dividend YieldN/A
Average Volume (3M)949.00
Price to Earnings (P/E)―
Beta (1Y)0.17
Revenue Growth-7.07%
EPS Growth-123.41%
CountryUS
Employees28
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.14
Shares Outstanding7,106,390
10 Day Avg. Volume1,939
30 Day Avg. Volume949
Financial Highlights & Ratios
PEG Ratio-2.46
Price to Book (P/B)1.00
Price to Sales (P/S)1.33
P/FCF Ratio100.73
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
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, ...
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 | 61.41M | 63.61M | 66.41M | 60.10M | 44.27M | 40.14M |
| Gross Profit | 24.96M | 24.52M | 27.57M | 25.03M | 35.68M | 36.26M |
| EBITDA | -1.53M | 302.69K | 5.60M | 2.32M | 13.42M | 13.44M |
| Net Income | -995.09K | 374.20K | 4.71M | 2.32M | 10.56M | 10.73M |
Balance Sheet | ||||||
| Total Assets | 1.04B | 1.07B | 1.09B | 1.08B | 990.63M | 876.67M |
| Cash, Cash Equivalents and Short-Term Investments | 5.46M | 158.83M | 238.38M | 235.51M | 216.33M | 205.77M |
| Total Debt | 70.67M | 61.60M | 86.86M | 71.95M | 46.54M | 51.48M |
| Total Liabilities | 953.72M | 981.79M | 1.01B | 1.01B | 915.69M | 792.51M |
| Stockholders Equity | 85.15M | 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
Negative
11.90
Price Trends
12.05
Negative
12.06
Negative
11.96
Negative
Market Momentum
-0.02
Negative
45.70
Neutral
68.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FDVA, the sentiment is Negative. The current price of 11.9 is below the 20-day moving average (MA) of 11.97, below the 50-day MA of 12.05, and below the 200-day MA of 11.96, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 45.70 is Neutral, neither overbought nor oversold. The STOCH value of 68.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $122.72M | 10.68 | 14.30% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.17M | 12.13 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $90.08M | 11.06 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.39M | 37.68 | 2.22% | ― | -6.91% | ― | |
47 Neutral | $84.53M | -86.93 | -1.17% | ― | -7.07% | -123.41% | |
46 Neutral | $108.05M | 70.69 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
FDVA
Freedom Bank of Virginia
11.90
0.09
0.81%
BOTJ
Bank Of The Jame Financial
27.01
11.86
78.28%
SSBI
Summit State Bank
12.91
1.06
8.99%
UBCP
United Bancorp
15.71
2.07
15.20%
FUSB
First US Bancshares
16.38
4.18
34.22%
FNWB
First Northwest Bancorp
11.36
3.86
51.47%
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.