FVCB
FVCBankcorp, Inc.
FVCB's fundamentals are strong: its operating margin rose 4 points to 48% and revenue grew 16%. At 11x earnings, it's trading below its usual 12x. Analysts expect earnings growth.
FVCB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FVCB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FVCB.
FVCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $16.24 | — |
| Cheap | 11x | $15.90 | -2.1% |
| Current | 11x | $16.24 | — |
| Fair | 12x | $18.09 | +11% |
| Expensive | 14x | $20.04 | +23% |
Historical ranges are pointers, not guarantees.
FVCB's PE is in its cheap range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
FVCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FVCB, with profitability improving.
FVCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.56 | +5.4% |
| Q3 2026 | $1.48 | +26% |
| Q2 2026 | $1.42 | +28% |
| Q1 2026 | $1.28 | +24% |
| Q4 2025 | $1.21 | +48% |
FVCB earned $1.48 per share over the past year, up 26% from the year before.
FVCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.4M | +15% |
| Q2 2026 | $19.1M | +22% |
| Q1 2026 | $17.4M | +16% |
| Q4 2025 | $16.9M | +13% |
| Q3 2025 | $16M | +13% |
| Q2 2025 | $15.8M | +15% |
| Q1 2025 | $15.1M | +18% |
| Q4 2024 | $14.9M | +18% |
FVCB's revenue has grown year over year for nine quarters in a row: $18M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +1.4 points |
| Q2 2026 | 55% | +8.8 points |
| Q1 2026 | 47% | +4.9 points |
| Q4 2025 | 44% | +1.1 points |
| Q3 2025 | 45% | +2.6 points |
| Q2 2025 | 46% | +6.9 points |
| Q1 2025 | 42% | +6.8 points |
| Q4 2024 | 43% | +95 points |
FVCB's operating margin was 46% last quarter, up 1.4 points from the same quarter a year ago.
FVCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.8M | -24% |
| Q2 2026 | $8.9M | +172% |
| Q1 2026 | $7.6M | +41% |
| Q4 2025 | $7.6M | +57% |
| Q3 2025 | $7.6M | +64% |
| Q2 2025 | $3.3M | +118% |
| Q1 2025 | $5.4M | -24% |
| Q4 2024 | $4.8M | +8.6% |
FVCB's free cash flow was $30M over the past year, up 42% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FVCB.
FVCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -35K shares |
| 1 year | -1.9% | -342K shares |
FVCB has 18M diluted shares, down 1.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $2M |
| Q3 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $12,000 |
FVCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.2x | Very low |
| Q4 2024 | 2.7x | Moderate |
FVCB's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FVCB.
FVCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.1 | Neutral |
| Stochastic | 10.3 | Oversold |
FVCB's weekly RSI is 39 (neutral) and its Stochastic is 10 (oversold).
FVCB PE vs Financial Services Sector
| Metric | FVCB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 22 | 63 | 41 pts below |
FVCB is trading at 11x earnings, a 16% discount to the Financial Services sector's median of 13x.
FVCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.1 | 5.3% below |
| 20 week MA | $17.8 | 8.7% below |
| 50 week MA | $16.2 | 0% above |
| 100 week MA | $14.2 | 15% above |
| 200 week MA | $13.1 | 24% above |
FVCB has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 24% above its 200-week average.
FVCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $11.8 | -15% |
| 2021 | $11.8 | $16.0 | +36% |
| 2022 | $16.0 | $15.1 | -5.5% |
| 2023 | $15.1 | $14.2 | -5.9% |
| 2024 | $14.2 | $12.1 | -15% |
| 2025 | $12.1 | $13.9 | +15% |
| 2026 YTD | $13.9 | $16.2 | +17% |
FVCB has finished lower in four of the last six years. It's up 17% so far in 2026.