FVCBankcorp Valuation
| FVCB Stock | USD 14.77 -0.09 -0.61% |
Macroaxis currently views FVCBankcorp as undervalued, with a model-derived Real Value of $17.57 per share versus a market price of $14.77. The model weighs FVCBankcorp fundamentals - including return on assets of 0.98%, shares outstanding of 17.92M, and current valuation of $153.79M - alongside its technical indicators and probability of bankruptcy. Among the primary drivers of FVCBankcorp's valuation are:
Cash is tracking at 5.4 Million after a 5.26% move from the prior year. The prior-year reading for Cash was 5.68 Million. As of 03/17/2026, Accounts Payable is forecasted to advance to approximately 3 M this year. Also, Change To Account Receivables is forecasted to advance to approximately 2.4 M this year.
Undervalued
Today
Current trading conditions suggest that FVCBankcorp's price fluctuation is Very Low right now. The real value model for FVCBankcorp currently uses a 3 months horizon. A longer horizon usually makes the valuation estimate more stable and improves the predictive value of the methodology.
As an exchange-traded stock, FVCBankcorp derives its market value from live trading in the market. Market price and intrinsic value do not always move together, which can create an opportunity when the gap eventually narrows. | Historical | Market 14.77 | Real 17.57 | Target 17.63 | Hype 14.82 | Naive 14.89 |
The intrinsic value of FVCBankcorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as.
Understanding the potential upside and downside for FVCBankcorp is essential before adding it to a portfolio. The fair value of FVCBankcorp stock is influenced by both quantitative metrics and market sentiment.Valuing FVCBankcorp accurately requires combining multiple analytical lenses: discounted cash flow analysis, comparable company multiples, and asset-based valuation each capture different dimensions of FVCBankcorp's worth.
Main Profitability Drivers
FVCBankcorp's net margin stands at 33.51%, with operating margin at 43.91%. The 10.40 percentage-point gap between operating and net margins points to non-operating costs such as interest expense or taxes reducing bottom-line profitability. FVCBankcorp generated 122.03 Million in revenue, producing 65.82 Million in gross profit (53.9% gross margin) and 22.06 Million in net income. FVCBankcorp's return on equity of 9.02% and return on assets of 0.98% gauge how effectively the company converts invested capital into earnings. FVCBankcorp's profitability trends show broad deterioration, with the majority of key metrics declining year over year. For a deeper look, explore FVCBankcorp's profitability breakdown.
Price Book 1.0358 | Gross Profit | Price Sales 4.026 | Profit Margin | Enterprise Value Revenue 4.2537 |
FVCBankcorp Cash | 5.4 Million |
Revenue by Product
FVCBankcorp's revenue is distributed across 2 distinct product categories. At 657,000, Service Charges On Deposit Accounts is FVCBankcorp's largest segment (67.8%), with Fees Exchange And Other Service Charges as the second-largest at 312,000. Revenue concentration above 60% in one segment means FVCBankcorp's performance is closely tied to that product's market dynamics.Total Value Analysis
The market-value snapshot for FVCBankcorp currently reflects enterprise value of 153.79 M, market capitalization of 264.98 M, debt of 18.75 M, and cash of 68.34 M. Enterprise value analysis can still mislead when accounting presentation, cash treatment, or capital-structure assumptions distort the surface read.| Takeover Price | Market Cap | Debt Obligations | Cash |
153.79 M | 264.98 M | 18.75 M | 68.34 M |
Investor Information
About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.04. Some equities with similar Price to Book (P/B) outperform the market in the long run. FVCBankcorp had its last dividend issued on the 26th of January 2026. The company completed a 125:100 stock split on 1st of February 2023. Analysis of capital structure and cash generation suggests that FVCBankcorp maintains balanced financial characteristics. Operating returns remain positive, suggesting ongoing earnings capacity. For financial institutions, capital adequacy, leverage ratios, and funding structure are central to financial strength assessment.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.19 | 0.2315 |
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| Total Cash From Operating Activities | 14.5 M | 23.9 M |
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| Operating Income | 15.7 M | 28.2 M |
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Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of FVCBankcorp suggests not a very effective usage of assets in March.Macro event markers
Profitability Analysis
Considering FVCBankcorp's profitability and operating efficiency indicators, FVCBankcorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in April. Profitability indicators assess FVCBankcorp's ability to earn profits and add value for shareholders.Net Income | First Reported 2012-06-30 | Previous Quarter 5.6 M | Current Value 5.6 M | Quarterly Volatility 2.3 M |
Macro event markers
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.79 | 0.5393 |
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| Net Profit Margin | 0.14 | 0.1807 |
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| Operating Profit Margin | 0.19 | 0.2315 |
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| Pretax Profit Margin | 0.19 | 0.2315 |
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| Return On Assets | 0.0059 | 0.0096 |
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| Return On Equity | 0.0578 | 0.087 |
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The profitability module for FVCBankcorp is designed to show how the business generates income relative to revenue, assets, expenses, and shareholder capital. These profitability indicators help investors judge how well FVCBankcorp uses its assets to create earnings power and long-term shareholder value.
Earnings per Share Projection vs Actual
FVCBankcorp currently shows forward EPS consensus of 0.34, with dispersion from 0.34 to 0.34. EPS TTM stands at 1.21. EPS is most informative when read together with margin stability and cash-flow conversion. Consensus earnings estimates for FVCBankcorp should be reviewed carefully because analyst EPS forecasts are usually built before non-recurring items and option-related expenses are fully unpacked. FVCBankcorp is projected to generate 0.34 in earnings per share on 30th of June 2026. The EPS projection range helps investors understand what analysts currently expect before the next report arrives.Macro event markers
Earnings Estimation Breakdown
The forward EPS consensus for FVCBankcorp stands at 0.34, compiled from analyst models tracking FVCBankcorp's revenue, margin, and guidance trends. The estimate range spans from 0.34 to 0.34, capturing uncertainty around the projection. This figure is derived from a 12-month earnings base and strips out one-time items for comparability.Last Reported EPS
0.34 Lowest | Expected EPS | 0.34 Highest |
Earnings Projection Consensus
The spread between FVCBankcorp's estimated fair value and its market price encodes a directional signal: narrow spreads suggest efficient pricing; wide spreads suggest a potential catalyst or mispricing. Analysts use this gap to identify entry and exit points, though the estimate itself carries model risk. Factor in liquidity, sector context, and macro environment before acting on this comparison.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 2 | 72.76% | 0.0 | 0.34 | 1.21 |
Ownership Allocation
About 30% of FVCBankcorp outstanding shares are owned by institutions. Institutional investors - such as mutual funds, pension funds, and asset managers - typically hold positions as part of a broader portfolio strategy, managing assets on behalf of clients. As a result, institutional investors are subject to reporting requirements and oversight rules - such as 13F filings - that differ from those for individual retail investors. Changes in institutional ownership of FVCBankcorp can sometimes signal a shift in professional sentiment toward the company. The ownership breakdown for FVCBankcorp shows approximately 50% institutional, 15% insider, and 35% public.Revenue and Profit Overview
The company reported previous year's revenue of 122.03 M. Net Income was 22.06 M with profit before overhead, payroll, taxes, and interest of 65.82 M.Past Dividend Distributions
Market participants sometimes evaluate FVCBankcorp (FVCB) dividend patterns when assessing income potential. Investors often compare dividend payments with profitability and free cash flow trends. Income-focused investors may want to analyze dividend distributions.
Valuation analysis for FVCBankcorp should be treated as an ongoing process rather than a one-time answer, especially when investors are trying to understand how the market is pricing this stock. That usually means reviewing cash-flow quality, capital structure, and risk behavior before reaching a fair-value conclusion.
Valuation Framework, Methodology & Assumptions
FVCBankcorp is a micro-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Peer comparison highlights relative pricing efficiency. FVCBankcorp currently trades at P/E of 16.14, P/B of 1.04, P/S of 4.03.
For FVCBankcorp, this section uses periodic company reporting and market reference feeds with Macroaxis normalization rules applied to keep cross-asset comparisons consistent. Sell-side coverage, where present, supplements the data shown. Intraday timing differences may exist. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
This content is curated and reviewed by:
Gabriel Shpitalnik - Member of Macroaxis Editorial BoardFVCBankcorp Growth Indicators
A growth thesis around FVCBankcorp should be tested carefully because strong valuation often reflects confidence that the business can keep compounding faster than peers. Used properly, growth analysis helps investors separate durable compounding from optimism that may already be fully priced in.
| Common Stock Shares Outstanding | 18.3 M | |
| Quarterly Earnings Growth Y O Y | 0.152 | |
| Forward Price Earnings | 12.3762 |
FVCBankcorp Current Valuation Indicators
A serious net-worth review of FVCBankcorp should connect market capitalization with balance-sheet strength, cash generation, and what investors are implicitly paying for future growth. Used properly, valuation is less about precision and more about narrowing the range of defensible outcomes before capital is committed.
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