FVCB$14.29
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Powered by LiveAIOverall Analysis
BuyFVCBankcorp (FVCB) presents a mixed but generally positive investment profile. Fundamentally, it shows strong profitability and a stable balance sheet, with good recent performance. Thematic exposure is limited. Technically, the stock exhibits mixed signals across different timeframes, indicating potential volatility. Overall, it's a 'Buy' for investors seeking exposure to the regional banking sector with a focus on profitability, but with awareness of short-term technical uncertainties.
Thematic
FVCBankcorp operates in the traditional banking sector, which has limited direct exposure to high-growth, disruptive technology themes. Its thematic relevance is primarily linked to broader economic cycles and regional financial health.
Fundamental
FVCBankcorp demonstrates strong fundamental performance, characterized by improving profitability, solid revenue growth, and a healthy balance sheet with decreasing debt. The company's valuation metrics are reasonable, particularly its P/E ratio.
Technical
The stock price is currently trading near its 52-week high, indicating positive short-to-medium term momentum. However, several indicators across different timeframes suggest a neutral to slightly bearish short-term outlook, with potential for consolidation or a minor pullback.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 40 |
| Financial Inclusion & Access | 50 |
| Small Business Lending Focus | 45 |
| SBA Lending | 40 |
| Interest Rate Sensitivity | 20 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 95 |
| Growth | 90 |
| Balance Sheet Health | 90 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 70 |
| Moving Averages | 75 |
| Volume | 60 |
| Short-term Oscillators | 65 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has surpassed earnings per share (EPS) estimates in 4 of the last 5 quarters, demonstrating an ability to consistently exceed market expectations.
Strong Cash Position
As of Q4 2024, the company holds $90.95 million in cash and cash equivalents, providing ample liquidity and financial flexibility.
Bearish Points (7)
Negative EPS Surprise in Q4 2024
The company reported an EPS of -0.28 in Q4 2024, a significant miss compared to the estimate of 0.20, indicating a substantial earnings shortfall.
High Price-to-Sales Ratio
The trailing Price-to-Sales (P/S) ratio of 5.6 is high, suggesting that the market valuation may be stretched relative to the company's sales generation.
Calendar
July 2025
28
Ex-Dividend Date
August 2025
18
Next Dividend Date
October 2025
24
Next Earnings Date
H: $0.31
A: $0.31
L: $0.31
H: 16.22M
A: 16.22M
L: 16.22M
Profile
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. It provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. The company also 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, it provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. The company was founded in 2007 and is headquartered in Fairfax, Virginia.
Seasonals
Price Target
14.50 USD
The 39 analysts offering 1 year price forecasts for FVCB have a max estimate of 16.00 and a min estimate of 13.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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