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FVCBankcorp
(NASDAQ:FVCB)
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Rating:72Outperform
Price Target:
$20.00
â–²(10.25% Upside)
Action:Reiterated
Date:10/23/26
The score is driven primarily by solid underlying financial quality (stronger balance sheet, improved cash generation, and better earnings conversion) and reinforced by a positive recent operating update (profit growth, better margins/efficiency, and stronger capital). Offsetting factors are weaker near-term technical momentum (negative MACD and sub-50 RSI) and some fundamental uncertainty from the recent TTM revenue decline and operating margin volatility, despite reasonable valuation support.
Positive Factors
Improving profitability
Higher returns on assets and equity indicate better earnings productivity and operating execution. If sustained, the improvement can strengthen internal capital generation, support future lending capacity, and demonstrate that the bank is converting its franchise and balance sheet into stronger profitability.
Negative Factors
Revenue contraction
A sharp TTM revenue decline weakens visibility into the bank’s underlying growth trajectory and may limit operating leverage. Unless loan, deposit, and fee trends improve, sustained top-line pressure could constrain earnings expansion and reduce the resources available for reinvestment.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Higher returns on assets and equity indicate better earnings productivity and operating execution. If sustained, the improvement can strengthen internal capital generation, support future lending capacity, and demonstrate that the bank is converting its franchise and balance sheet into stronger profitability.
Read all positive factors
FVCBankcorp (FVCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$307.30M
Dividend Yield1.58%
Average Volume (3M)76.91K
Price to Earnings (P/E)11.4
Beta (1Y)0.73
Revenue Growth4.48%
EPS Growth27.37%
CountryUS
Employees134
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.44
Shares Outstanding18,034,204
10 Day Avg. Volume98,427
30 Day Avg. Volume76,914
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.99
Price to Sales (P/S)2.07
P/FCF Ratio10.59
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue2.65
Enterprise Value/Gross Profit4.61
Enterprise Value/Ebitda7.33
Forecast
1Y Price Target
$21.00Price Target Upside15.77% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.58
Revenue Forecast (FY)$80.69M
FVCBankcorp Business Overview & Revenue Model
Company Description
FVCBankcorp, Inc. serves as the holding company for FVCbank, delivering a comprehensive suite of banking products and services throughout Virginia. Its deposit options include both interest and noninterest-bearing transaction accounts, checking an...
How the Company Makes Money
FVCBankcorp makes money primarily through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by (1) interest earned on loans—such as commercial and industrial loans, commercial re...
FVCBankcorp Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 125.80M | 122.03M | 111.58M | 91.86M | 83.55M | 71.50M |
| Gross Profit | 72.30M | 65.82M | 53.85M | 39.51M | 65.48M | 61.52M |
| EBITDA | 45.52M | 28.58M | 22.74M | 4.83M | 31.68M | 29.07M |
| Net Income | 25.84M | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M |
Balance Sheet | ||||||
| Total Assets | 2.37B | 2.29B | 2.20B | 2.19B | 2.34B | 2.20B |
| Cash, Cash Equivalents and Short-Term Investments | 12.24M | 127.63M | 247.43M | 232.12M | 359.62M | 598.57M |
| Total Debt | 30.16M | 25.24M | 76.33M | 113.86M | 294.96M | 55.62M |
| Total Liabilities | 2.10B | 2.04B | 1.96B | 1.97B | 2.14B | 1.99B |
| Stockholders Equity | 265.35M | 253.60M | 235.35M | 217.12M | 202.38M | 209.80M |
Cash Flow | ||||||
| Free Cash Flow | 31.67M | 23.81M | 18.09M | 16.06M | 22.23M | 18.96M |
| Operating Cash Flow | 31.71M | 23.86M | 18.23M | 16.27M | 22.39M | 19.45M |
| Investing Cash Flow | -130.66M | -94.66M | -8.92M | 149.23M | -225.83M | -344.34M |
| Financing Cash Flow | 96.56M | 68.32M | -9.19M | -164.71M | 186.08M | 328.67M |
FVCBankcorp Technical Analysis
Negative
18.14
Price Trends
17.82
Negative
17.75
Negative
16.49
Positive
Market Momentum
-0.19
Positive
40.72
Neutral
28.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FVCB, the sentiment is Negative. The current price of 18.14 is above the 20-day moving average (MA) of 17.40, above the 50-day MA of 17.82, and above the 200-day MA of 16.49, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 40.72 is Neutral, neither overbought nor oversold. The STOCH value of 28.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $367.48M | 11.79 | 11.72% | 2.45% | 6.41% | 17.50% | |
73 Outperform | $328.32M | 11.33 | 11.22% | 0.54% | 8.14% | 12.46% | |
72 Outperform | $307.30M | 11.36 | 10.27% | 1.58% | 4.48% | 27.37% | |
70 Outperform | $326.83M | 12.25 | 3.34% | 1.21% | 6.77% | 33.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $314.89M | 11.55 | 17.50% | 1.94% | 18.81% | 19.11% | |
57 Neutral | $336.56M | 36.69 | 2.73% | 3.89% | -4.80% | -59.69% |
* Financial Sector Average
FVCB
FVCBankcorp
17.04
5.02
41.78%
FCCO
First Community
33.50
7.26
27.68%
TSBK
Timberland Bancorp
47.26
16.07
51.53%
BCML
BayCom
30.82
4.62
17.62%
COSO
CoastalSouth Bancshares
27.98
6.82
32.25%
JMSB
John Marshall Bancorp
23.16
4.31
22.84%
FVCBankcorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
FVCBankcorp Reports Strong Third-Quarter 2026 Financial Results
Positive
Oct 22, 2026
FVCBankcorp, Inc. reported strong financial results for the quarter and nine months ended September 30, 2026, with quarterly net income rising 19% year-over-year to $6.6 million and diluted earnings per share up 20% to $0.37. For the nine-month pe...
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.