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Company Analysis

FVCBankcorp, Inc. FVCB

A comprehensive view of key metrics, scores, and financial health for FVCBankcorp, Inc.

Overview of FVCBankcorp, Inc.

FVCB NCM
Financial Services Banks - Regional Micro Cap
FVCBankcorp, Inc. (FVCB), is a Micro Cap company, in the Banks - Regional industry, last closed at $14.66, about 2.7% overvalued vs fair value, +44.6% 1Y return, ranked 811/1004 in sector.
$14.66
0.27%
As of March 13, 2026
Previous close • Vol 90d: 23.1%
52-Week Range
Market Cap
$264.98M
Enterprise Value
$278.04M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.fvcbank.com
HQ Fairfax, VA
Employees 122
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$8
$14
$27
Current: $14.66 -3% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$113.3M
6.3%%
Interest Expense
$54.6M
Net Interest Income
$55.6M
2.2%%
Total Revenue
$122.0M
111.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.1M
100.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating FVCBankcorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
33
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FVCB's balance between Growth (49.1%), Profitability (28.3%), and Safety (22.6%). Growth 49% Safety 23% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

68th percentile vs peers
69
Key Signals
Rev Growth YoY 1.11 86p Revenue CAGR 3Y 21.5% 61p Asset Growth YoY 4.2% 53p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.11, 86th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for FVCBankcorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.26
- - -
-2.7% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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