FVCBankcorp (FVCB) AI Stock Analysis

• Market Cap: $193.92M
• Dividend Yield: N/A
• Average Volume (3M): 22.33K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.15
• Revenue Growth: 22.60%
• EPS Growth: 284.38%
• Country: US
• Employees: 110
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.82
• Shares Outstanding: 18,380,848
• 10 Day Avg. Volume: 31,364
• 30 Day Avg. Volume: 22,327
• PEG Ratio: 0.05
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.25
• Price to Cash Flow (P/CF): 9.90
• P/FCF Ratio: 3.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

FVCBankcorp's overall score is primarily impacted by its financial performance, which shows strengths in maintaining a conservative balance sheet but significant weaknesses in income and cash flow statements. The technical analysis indicates weak market sentiment, further affecting the score. The valuation appears moderate, but the absence of a dividend yield could be a concern for some investors. The lack of recent significant corporate events or earnings call data did not influence this evaluation.

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 the interest income derived from its loan portfolio. This includes commercial loans, real estate loans, and consumer loans. Additionally, the bank earns non-interest income from various fees and service charges related to its deposit accounts, cash management services, and other financial products offered to its clients. The bank also engages in investment activities that contribute to its earnings. Key partnerships with local businesses and real estate developers help drive its loan growth and expand its customer base, further enhancing its revenue potential.

FVCBankcorp Financial Statement Overview

Summary

FVCBankcorp exhibits strengths in maintaining a conservative balance sheet with low leverage and a strong equity ratio. However, significant weaknesses are noted in the income statement and cash flow metrics due to recent reporting anomalies or operational issues. The absence of key financial metrics such as revenue, EBIT, and EBITDA in the latest year is concerning and suggests potential underlying challenges. Stability in cash flow and profitability needs improvement for stronger financial health.

Income Statement

The net profit margin for the most recent year is not calculable due to zero revenue, indicating a reporting issue or operational anomaly. Historical data shows a decline in revenue over recent years, affecting profitability metrics such as EBIT and EBITDA margins which are not calculable either. Recent performance decline may reflect operational challenges or industry conditions.

Balance Sheet

The company maintains a relatively low debt-to-equity ratio, indicating conservative leverage. There is a healthy equity ratio, suggesting a strong capital base relative to total assets. However, declining equity could pose a challenge if growth is pursued aggressively without proper capital management.

Cash Flow

Free cash flow and operating cash flow are absent for the most recent year, raising concerns about cash generation. Historically, free cash flow was positive but has shown fluctuations, which could indicate instability in cash management or variable capital expenditures. Stability in cash flow is critical for sustaining operations and supporting future growth.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
58.12M	42.14M	68.11M	61.02M	55.51M
	Gross Profit
58.12M	40.89M	68.11M	61.02M	55.51M
	EBIT
0.00	4.83M	45.74M	28.21M	19.66M
	EBITDA
0.00	4.83M	31.68M	29.07M	20.62M
	Net Income Common Stockholders
15.06M	3.82M	24.98M	21.93M	15.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
164.64M	179.64M	81.55M	598.73M	267.21M
	Total Assets
2.20B	2.19B	2.34B	2.20B	1.82B
	Total Debt
7.64M	113.86M	519.57M	44.51M	69.08M
	Net Debt
-523.00K	105.82M	438.01M	-196.45M	-71.98M
	Total Liabilities
1.96B	1.97B	2.14B	1.99B	1.63B
	Stockholders Equity
235.35M	217.12M	202.38M	209.80M	189.50M
Cash Flow		Free Cash Flow
0.00	16.06M	22.23M	18.96M	20.08M
	Operating Cash Flow
0.00	16.27M	22.39M	19.45M	20.43M
	Investing Cash Flow
0.00	149.23M	-225.83M	-344.34M	-273.87M
	Financing Cash Flow
0.00	-164.71M	186.08M	328.67M	259.36M

FVCBankcorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 9.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FVCB, the sentiment is Neutral. The current price of 9.69 is below the 20-day moving average (MA) of 10.28, below the 50-day MA of 11.06, and below the 200-day MA of 12.05, indicating a neutral trend. The MACD of -0.21 indicates Negative momentum. The RSI at 47.08 is Neutral, neither overbought nor oversold. The STOCH value of 86.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FVCB.

FVCBankcorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWBK	69 Neutral	$192.00M	10.55	14.14%	2.87%	9.65%	1820.32%
VABK	67 Neutral	$203.28M	11.98	10.83%	3.72%	4.93%	-12.19%
ESSA	66 Neutral	$184.51M	10.43	7.30%	3.47%	11.38%	-6.14%
WNEB	64 Neutral	$167.23M	14.52	4.93%	3.47%	9.56%	-20.10%
Sector *	64 Neutral	$13.44B	9.41	9.19%	4.92%	16.30%	-8.66%
FVCB	59 Neutral	$193.92M	12.90	6.66%	―	22.60%	284.38%
FUNC	58 Neutral	$193.81M	9.52	12.06%	3.11%	16.56%	40.31%

FVCBankcorp Corporate Events

FVCBankcorp Enhances Market Presence with Technological Investments

FVCBankcorp, Inc. is leveraging advanced technology and strategic growth plans to enhance its financial performance and market presence. The company focuses on organic growth by strengthening customer relationships and exploring strategic opportunities, while maintaining robust credit quality and risk management. Investment in technology like KlariVis and partnerships with FinTech firms are designed to improve operational efficiency and attract sophisticated clients, positioning FVCBankcorp for sustainable profitability.