FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $231.78M
• Dividend Yield: 0.47%
• Average Volume (3M): 27.54K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.07
• Revenue Growth: 16.68%
• EPS Growth: 322.32%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.31
• Shares Outstanding: 18,051,687
• 10 Day Avg. Volume: 26,170
• 30 Day Avg. Volume: 27,537
• PEG Ratio: 0.05
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 12.55
• Enterprise Value/Market Cap: 1.19
• Enterprise Value/Revenue: 2.39
• Enterprise Value/Gross Profit: 4.70
• Enterprise Value/Ebitda: 10.48
• 1Y Price Target: $16.00
• Price Target Upside: 24.61% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: $14.00 ▲(9.03% Upside)

FVCBankcorp's overall stock score is driven by its solid financial performance, characterized by consistent revenue growth and improved profitability. The valuation is attractive with a low P/E ratio, indicating potential undervaluation. Technical analysis presents a mixed picture with neutral momentum indicators. The absence of earnings call and corporate events data did not impact the score.

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 accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

How the Company Makes Money

FVCBankcorp generates revenue primarily through net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Key revenue streams include commercial loans, residential mortgages, and consumer loans, which are crucial for driving interest income. Additionally, the bank earns non-interest income from various services such as fees related to deposit accounts, ATM transactions, and wealth management services. Strategic partnerships with local businesses and real estate agencies also contribute to its client base and revenue generation, enhancing the bank's ability to cross-sell products and foster customer loyalty.

FVCBankcorp Financial Statement Overview

Summary

FVCBankcorp exhibits a positive financial trajectory with consistent revenue growth and improved profitability margins. The balance sheet shows reduced leverage and better equity utilization, enhancing financial stability. Cash flow generation has improved, though there are areas for improvement in cash conversion efficiency. Overall, the company is on a stable financial footing with opportunities for further optimization.

Income Statement

FVCBankcorp shows a consistent revenue growth trend with a TTM revenue growth rate of 2.25%. The gross profit margin has decreased from previous years, indicating potential cost pressures. However, the net profit margin has improved to 17.59% TTM, showcasing enhanced profitability. EBIT and EBITDA margins have also shown improvement, reflecting operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has significantly improved to 0.11 TTM from higher levels in previous years, indicating reduced leverage and financial risk. Return on equity has increased to 8.73% TTM, demonstrating better utilization of equity. The equity ratio remains stable, suggesting a solid capital structure.

Cash Flow

FVCBankcorp's free cash flow growth rate has improved to 10.86% TTM, indicating better cash generation. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is strong, reflecting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	115.60M	111.58M	91.86M	82.99M	70.25M	68.91M
Gross Profit	58.94M	53.85M	39.51M	64.93M	60.27M	49.41M
EBITDA	26.41M	22.74M	4.83M	31.68M	29.07M	20.62M
Net Income	20.40M	15.06M	3.82M	24.98M	21.93M	15.50M
Balance Sheet
Total Assets	2.24B	2.20B	2.19B	2.34B	2.20B	1.82B
Cash, Cash Equivalents and Short-Term Investments	171.49M	247.43M	232.12M	359.62M	598.57M	267.21M
Total Debt	76.01M	76.33M	113.86M	294.96M	55.62M	81.21M
Total Liabilities	1.99B	1.96B	1.97B	2.14B	1.99B	1.63B
Stockholders Equity	243.16M	235.35M	217.12M	202.38M	209.80M	189.50M
Cash Flow
Free Cash Flow	18.13M	18.09M	16.06M	22.23M	18.96M	14.51M
Operating Cash Flow	18.23M	18.23M	16.27M	22.39M	19.45M	14.87M
Investing Cash Flow	65.21M	-8.92M	149.23M	-225.83M	-344.34M	-268.30M
Financing Cash Flow	-79.01M	-9.19M	-164.71M	186.08M	328.67M	259.36M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.84
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 12.84 is above the 20-day moving average (MA) of 12.52, below the 50-day MA of 13.02, and above the 200-day MA of 11.95, indicating a neutral trend. The MACD of -0.17 indicates Negative momentum. The RSI at 53.06 is Neutral, neither overbought nor oversold. The STOCH value of 55.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FVCB.

FVCBankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MBCN	75 Outperform	$276.30M	13.11	9.73%	2.43%	7.13%	48.87%
FVCB	70 Outperform	$231.78M	11.05	8.87%	0.47%	16.68%	322.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NWFL	68 Neutral	$247.30M	41.07	3.56%	4.64%	-4.66%	-59.22%
MYFW	64 Neutral	$216.71M	17.38	4.95%	―	1.53%	109.74%
INBK	49 Neutral	$173.00M	-5.23	-8.99%	1.21%	2.49%	-248.43%

FVCBankcorp Corporate Events

FVCBankcorp Reports Strong Earnings Growth in Q3 2025

FVCBankcorp, Inc. is a Virginia-chartered community bank that serves the banking needs of commercial businesses, nonprofit organizations, and professional service entities in the Baltimore and Washington, D.C. metropolitan areas. The bank operates with a focus on relationship banking and has a network of full-service offices across Virginia, Washington, D.C., and Maryland.

FVCBankcorp Declares Quarterly Dividend Amid Income Surge

On October 16, 2025, FVCBankcorp‘s Board of Directors declared a quarterly cash dividend of $0.06 per share, payable on November 17, 2025. The company reported a 19% increase in quarterly net income to $5.6 million for the quarter ended September 30, 2025, compared to the same period in 2024. Year-to-date net income rose by 61% to $16.4 million. FVCBankcorp achieved significant growth in core operating earnings, net interest income, and core deposits, while maintaining strong credit quality and a well-capitalized balance sheet. The company’s strategic focus on technology and relationship banking is expected to support continued loan growth and shareholder value enhancement.

The most recent analyst rating on (FVCB) stock is a Hold with a $13.00 price target. To see the full list of analyst forecasts on FVCBankcorp stock, see the FVCB Stock Forecast page.

FVCBankcorp Reports Sixth Quarter of Earnings Growth

FVCBankcorp, Inc. is a Virginia-chartered community bank that caters to commercial businesses, nonprofit organizations, and professional service entities in the greater Baltimore and Washington, D.C. metropolitan areas. The bank operates with a focus on personalized service and technological solutions to enhance customer experience.