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FVCBankcorp, Inc.

Data quality: 100%
FVCB
Nasdaq Financial Services Depository Institutions
$15.48
▼ $0.12 (-0.77%)
Mkt Cap: 279.44 M
Price
$15.55
Mkt Cap
279.44 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Earnings grew 46.42% over the past year
Net margin of 1238.46% shows strong profitability
Generating 23.81 M in free cash flow
P/E of 12.67 — trading at a low valuation
Cash machine — converts 107.96% of earnings into free cash flow
Capital efficient — spends only 2.64% of revenue on capex

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)13.87%
Earnings (1Y)46.42%
FCF Growth (3Y)21.78%

Quality

Return on Equity
8.95%
Below sector avg (9.24%)
ROICN/A
Net Margin1238.46%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|2027)
12.67 | 9.78
Above sector avg (11.14)
P/B Ratio1.12
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 12.7 11.1
P/B 1.1 1.2
ROE % 9.0 9.2
Net Margin % 1238.5 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Analyst Price Target

2 analysts
Buy
Current
$15.48
+13.9%
Target
$17.63
$17.25
$17.63
$18.00
Forecast
Forward P/E 9.74
Forward EPS $1.59
EPS Growth (est.) +11.6%
Est. Revenue 77.87 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $1.59
$1.58 – $1.60
 77.87 M 2
FY2026 $1.43
$1.42 – $1.43
 72.01 M 2

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.31 $0.31 0.0%
Q32025 $0.31 $0.31 0.0%
Q22025 $0.28 $0.30 +7.1%
Q12025 $0.24 $0.28 +16.7%

ETFs Holding This Stock

BRUSX BRUSX
0.65% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight
BOSVX BOSVX
0.04% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.02% weight
PSGIX PSGIX
0.00% weight
CSGEX CSGEX
0.00% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.00% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.00% weight
AVCNX AVCNX
0.00% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 13.87% Revenue Growth (3Y) 9.92%
Earnings Growth (1Y) 46.42% Earnings Growth (3Y) 140.23%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 0.14%
Profitability
Revenue (TTM) 1.78 M Net Income (TTM) 22.06 M
ROE 8.95% ROA 0.97%
Gross Margin N/A Operating Margin N/A
Net Margin 1238.46% Free Cash Flow (TTM) 23.81 M
ROIC N/A FCF Growth (3Y) 21.78%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 249.80 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 12.67 Forward P/E N/A
P/B Ratio 1.12 P/S Ratio 156.90
PEG Ratio 90.50 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 8.52%
Market Cap 279.44 M Enterprise Value 279.44 M
Per Share
EPS (Diluted TTM) 1.21 Revenue / Share 0.10
FCF / Share 1.32 OCF / Share 1.33
EPS CAGR (1Y) 47.56% EPS CAGR (5Y) -5.23%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 2.64% FCF Conversion 107.96%
SBC-Adj. FCF 22.92 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.78 M 1.56 M 1.47 M 1.43 M —
Net Income 22.06 M 15.06 M 3.82 M 24.98 M 21.93 M
EPS (Diluted) 1.21 0.82 0.21 1.35 1.50
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 63.77 M 55.59 M 52.22 M 15.44 M 10.48 M
Income Tax 6.19 M 7.23 M 410,000.0 6.01 M 6.28 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.29 B 2.20 B 2.19 B 2.34 B 2.20 B
Total Liabilities 2.04 B 1.96 B 1.97 B 2.14 B 1.99 B
Shareholders' Equity 253.60 M 235.35 M 217.12 M 202.38 M 209.80 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —