FVCBankcorp (FVCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

FVCBankcorp

NasdaqCM•Financial Services•Banks - Regional

$18.39-0.33(-0.02%)Pre-market

Market Cap

$326.81M

P/E

12.7x

P/S

4.8x

P/B

1.2x

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.

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability21/25

Growth20/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 0.0x – 59.4x

Currently above its 20-quarter median.

P/S · 4.8x5y range 0.0x – 4.8x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.0x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 98916.2% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $326.81M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $67.82M
Q. Revenue: $18.91M
TTM EBITDA: $33.63M
TTM Op. Income: $33.34M
Q. Op. Income: $10.47M
TTM Net Income: $25.83M
Q. Net Income: $8.22M
EPS: $0.46
Shares Out.: $18.02M

$67.82M in TTM revenue grew 13.3% YoY, reaching $18.91M last quarter. TTM EBITDA of $33.63M and TTM operating income of $33.34M show growth is flowing through to the bottom line. TTM net income of $25.83M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 55.7%
Op. Margin: 55.4%
Net Margin: 43.5%

Op. margin of 55.4% is up 9.2% YoY — cost efficiency is improving. Net margin at 43.5% Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 4.8x
P/B Ratio: 1.2x

At 12.7x P/E, the stock trades below typical market levels. P/S of 4.8x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 4 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.37B
Cash: $12.24M
Long-Term Debt: $24.48M
Book Value: $266.58M
D/E Ratio: 0.1
Debt/EBITDA: 2.3

With $2.37B in assets and $24.48M in long-term debt, D/E is 0.1and book value is $266.58M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 19% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $8.93M
TTM Free Cash Flow: $31.67M
FCF Margin: 46.7%
FCF / Net Income: 1.2

TTM FCF of $31.67M on $8.93M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.