FVCBankcorp Inc (FVCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FVCBankcorp Inc stock (FVCB) is currently trading at $15.10. FVCBankcorp Inc PE ratio is 12.11. FVCBankcorp Inc PS ratio (Price-to-Sales) is 4.02. Analyst consensus price target for FVCB is $17.62. WallStSmart rates FVCB as Hold.
- FVCB PE ratio analysis and historical PE chart
- FVCB PS ratio (Price-to-Sales) history and trend
- FVCB intrinsic value — DCF, Graham Number, EPV models
- FVCB stock price prediction 2025 2026 2027 2028 2029 2030
- FVCB fair value vs current price
- FVCB insider transactions and insider buying
- Is FVCB undervalued or overvalued?
- FVCBankcorp Inc financial analysis — revenue, earnings, cash flow
- FVCB Piotroski F-Score and Altman Z-Score
- FVCB analyst price target and Smart Rating
FVCBankcorp Inc
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FVCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FVCBankcorp Inc (FVCB)
FVCB trades at a significant discount to its Graham intrinsic value of $37.66, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FVCBankcorp Inc (FVCB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
FVCBankcorp Inc (FVCB) Key Strengths (3)
Keeps $45 of every $100 in revenue after operating costs
Keeps $34 of every $100 in revenue as net profit
Trading at 1.03x book value, attractively priced
Supporting Valuation Data
FVCBankcorp Inc (FVCB) Areas to Watch (6)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Premium valuation at 4.0x annual revenue
Solid revenue growth at 10.20% per year
Solid earnings growth at 15.20%
Moderate institutional interest at 49.63%
FVCBankcorp Inc (FVCB) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.03) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 45.30%, Profit Margin at 33.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (4.02) suggest expensive pricing. Growth concerns include Revenue Growth at 10.20%, EPS Growth at 15.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.02%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.02% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FVCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FVCB's Price-to-Sales ratio of 4.02x trades 43% below its historical average of 7.03x (25th percentile). The current valuation is 79% below its historical high of 19.51x set in Nov 2013, and 135% above its historical low of 1.71x in Mar 2025. Over the past 12 months, the PS ratio has expanded from ~1.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for FVCBankcorp Inc (FVCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
FVCBankcorp Inc is a mature, profitable business with steady cash generation. Revenue reached 66M with 10% growth year-over-year. Profit margins are strong at 33.5%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 902.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.5% and operating margin of 45.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 123.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 19M is significantly higher than cash (6M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact FVCBankcorp Inc.
Bottom Line
FVCBankcorp Inc is a well-established business delivering consistent profitability with 33.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(11 last 3 months)
| Insider | Type | Shares |
|---|---|---|
WILLS, PHILLIP R. III Director | Sell | -11,462 |
| Insider | Type | Shares |
|---|---|---|
NASSY, MICHAEL G. Sr EVP, Chief Credit Officer | Sell | -3,100 |
| Insider | Type | Shares |
|---|---|---|
WILLS, PHILLIP R. III Director | Sell | -10,200 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:53 AM
About FVCBankcorp Inc(FVCB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FVCBankcorp, Inc. is the FVCbank holding company offering various banking products and services in Virginia. The company is headquartered in Fairfax, Virginia.