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FVCBankcorp, Inc. FVCB R2K

Financial Services · Banks - Regional · United States
https://www.fvcbank.com

FVCBankcorp, Inc. operates as the bank holding company for FVCbank provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. The company provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. It offers lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, the company provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

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$15.78
+37.75% 1Y

Market & Price

Market Cap
$283.99M
Current Price
$15.78
High / Low (52W)
$16.12 / $11.09
Beta
0.36

Valuation

Stock P/E
12.33
Industry PE
12.01
Forward P/E
9.89
PEG Ratio
-
Book Value
$14.47
Price to Book
1.09
P/S
4.15
EV/EBITDA
-
Dividend Yield
1.77%

Profitability & Returns

ROCE
-
ROE
9.26%
ROA
1.02%
Profit Margin
34.03%
Op Margin
47.47%
EPS (Latest Qtr)
$0.35
EPS (TTM)
$1.28

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$32.16M
Total Assets
$2.29B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
16.47%
Chg in Prom Hold
-
FII / Inst Holding
50.52%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$122.85M
Total Revenue (TTM)
$68.41M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$26.07M
Shares Outstanding
18.00M
Gross Margin
0.00%
Payout Ratio
14.06%

Growth (CAGR)

Revenue 5Y
-0.96%
Profit 5Y
-4.07%
Revenue (YoY)
16.70%
Earnings (YoY)
25.00%

PROS

  • Excellent profit margin of 34.0%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -1.0% CAGR over 5 years.
  • Earnings shrank at -4.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FVCB FVCBankcorp, Inc. R2K 15.78 12.33 $283.99M 1.77% - 9.26% -0.96% -4.07%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ---228.00K--------380.00K390.00K345.00K350.00K356.00K339.00K395.00K359.00K415.00K412.00K-15.58M16.42M16.56M17.60M18.05M
Cost of Revenue ----------------------------
Gross Profit ----------------------------
Operating Expenses ----------------------------
Operating Income ----------------------------
EBITDA ----------------------------
Interest Expense -----------------------13.51M13.67M13.79M13.66M12.42M
Pretax Income -----------------------6.39M7.23M7.22M7.40M8.25M
Tax Provision -----------------------1.23M1.57M1.64M1.76M1.86M
Net Income 2.23M3.00M3.08M3.38M3.93M4.08M4.09M3.73M2.88M3.87M5.57M5.17M4.68M6.61M6.42M7.04M621.00K4.23M4.04M1.34M4.16M4.67M-5.17M5.67M5.58M5.65M6.39M
Diluted EPS 0.190.250.260.270.270.280.280.260.210.280.380.360.320.360.350.380.030.230.220.070.230.25-0.280.310.310.310.35

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----68.11M42.14M57.75M66.16M
Cost of Revenue ---------
Gross Profit ---------
Operating Expenses ---------
Operating Income ---------
EBITDA ---------
Interest Expense -----15.44M52.22M57.72M54.63M
Pretax Income -----30.99M4.23M22.30M28.25M
Tax Provision -----6.00M410.00K7.23M6.19M
Net Income 7.69M10.87M15.83M15.50M-24.98M3.82M15.06M22.06M
Diluted EPS 0.670.851.071.10-1.350.210.821.21

Compounded Sales Growth

5 Years:-0.96%
1 Year:16.70%

Compounded Profit Growth

5 Years:-4.07%
1 Year:25.00%

Stock Price Performance

1 Year:+37.75%
6 Months:+25.22%
3 Months:+2.66%
1 Month:+1.35%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.05B1.35B1.54B1.82B-2.34B2.19B2.20B2.29B
Current Assets ----------
Cash & Equivalents ------81.55M60.52M90.95M127.63M
Inventory ----------
Receivables ------9.44M10.32M10.31M10.28M
Total Liabilities -954.94M1.19B1.36B1.63B-2.14B1.97B1.96B2.04B
Current Liabilities ----------
Long Term Debt ------19.57M19.62M18.70M18.75M
Total Debt ------264.96M113.86M76.33M25.24M
Total Equity 79.81M98.28M158.34M179.08M189.50M-202.38M217.12M235.35M253.60M
Shares Outstanding ------17.48M17.81M18.20M17.92M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 10.49M13.34M19.43M14.87M-22.39M16.27M18.23M23.86M
Investing Cash Flow -143.67M-114.26M-163.63M-268.30M--225.83M149.23M-8.92M-94.66M
Financing Cash Flow 135.43M102.93M149.68M259.36M-186.08M-164.71M-9.19M68.32M
Capital Expenditure -500.00K-743.00K-311.00K-353.00K--166.00K-212.00K-141.00K-47.00K
Free Cash Flow 9.99M12.60M19.12M14.51M-22.23M16.06M18.09M23.81M
Net Change in Cash ------17.36M789.00K119.00K-2.48M
Share Buybacks ---7.28M0730.00K1.46M06.68M

Ratios (Annual)

Figures in %.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------
Operating Margin % ---------
Net Margin % -----36.7%9.1%26.1%33.3%
ROE % 7.8%6.9%8.8%8.2%-12.3%1.8%6.4%8.7%
ROCE % ---------

Shareholding Pattern

Insiders
16.47%
Institutions
50.52%
Public Float
60.48%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 11.51% 1.28M $20.13M
2 Endeavour Capital Advisors Inc 11.18% 1.24M $19.55M
3 Blackrock Inc. 8.28% 918.24K $14.49M
4 Alliancebernstein L.P. 7.98% 884.62K $13.96M
5 Vanguard Capital Management LLC 6.26% 694.52K $10.96M
6 Ategra Capital Management, LLC 3.94% 436.75K $6.89M
7 Geode Capital Management, LLC 3.14% 348.46K $5.50M
8 State Street Corporation 2.78% 308.67K $4.87M
9 Dimensional Fund Advisors LP 2.73% 302.17K $4.77M
10 BANC FUNDS CO LLC 1.93% 214.09K $3.38M

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