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FVCBankcorp, Inc. (FVCB) stock analysis

FVCBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 14/30
$16.27−0.05 (-0.31%)

Close on Nov 11, 2026Market cap $293.42MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth2Performance4Health4Dividend3

Mixed14 of 30 checks passed

FVCBankcorp passes 14 of the 30 checks behind our score; 8 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
2/6
Past performance
4/6
Financial health
4/6
Dividend
3/6

What stands out

  • Earnings grew over 5 years

    Net income grew 7.3% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 26.2% over the last twelve months, against a 5-year average of 7.3% a year.

  • Covered by free cash flow

    Dividends take 15.7% of free cash flow.

  • Covered by earnings

    Dividends take 17.4% of net income.

What to watch

  • Return on equity under 15%

    Return on equity was 10.4% over the last twelve months and averaged 8.1% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 7.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -3.6% a year over the last three fiscal years.

  • P/S above the industry

    FVCBankcorp's price-to-sales of 134.90 is above the Commercial Banks median of 3.60.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    FVCBankcorp's price-to-sales of 134.90 is above the Commercial Banks median of 3.60.

  • P/B below the industry

    FVCBankcorp's price-to-book of 1.09 is below the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 7.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -3.6% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 26.2% over the last twelve months, against a 5-year average of 7.3% a year.

  • Growing faster than the industry

    Revenue grew 38.6% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 10.4% over the last twelve months and averaged 8.1% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    FVCBankcorp's return on equity of 10.4% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 7.3% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 1237% over the last twelve months, against a 5-year average of 1117%.

  • Net margin above the industry

    FVCBankcorp's net margin of 1237% is above the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Equity is 11.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 94.9% of deposits, so lending is funded by customer deposits.

  • Thin loan-loss reserve

    The allowance for credit losses is 1.0% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 55.6% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 0.9% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    FVCBankcorp paid dividends worth 1.7% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.7% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; FVCBankcorp yields 1.7%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 17.4% of net income.

  • Covered by free cash flow

    Dividends take 15.7% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for FVCBankcorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$1.37M
Value traded per 1% price move
$1.41M

Downside

Low risk

Typical loss in a bad month
7.3%
Volatility (annualized)
21%
Sharpe ratio, 1 year
1.27
Beta to the S&P 500 (5Y)
0.54

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2016 to 2025

Net margin

1238.5%+1210.5 pts over 5 years

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