FVCBankcorp, Inc.
FVCBankcorp, Inc. Fundamental Analysis
FVCBankcorp, Inc. (FVCB) shows moderate financial fundamentals with a PE ratio of 12.78, profit margin of 18.39%, and ROE of 8.92%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 9.37%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FVCB's fundamental strength across five key dimensions:
Efficiency Score
WeakFVCB struggles to generate sufficient returns from assets.
Valuation Score
ModerateFVCB shows balanced valuation metrics.
Growth Score
ExcellentFVCB delivers strong and consistent growth momentum.
Financial Health Score
ModerateFVCB shows balanced financial health with some risks.
Profitability Score
ModerateFVCB maintains healthy but balanced margins.
Key Financial Metrics
Is FVCB Expensive or Cheap?
P/E Ratio
FVCB trades at 12.78 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FVCB's PEG of 3.74 indicates potential overvaluation.
Price to Book
The market values FVCBankcorp, Inc. at 1.11 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.18 times EBITDA. This is generally considered low.
How Well Does FVCB Make Money?
Net Profit Margin
For every $100 in sales, FVCBankcorp, Inc. keeps $18.39 as profit after all expenses.
Operating Margin
Core operations generate 23.55 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.92 in profit for every $100 of shareholder equity.
ROA
FVCBankcorp, Inc. generates $0.96 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FVCBankcorp, Inc. produces operating cash flow of $23.82M, showing steady but balanced cash generation.
Free Cash Flow
FVCBankcorp, Inc. generates strong free cash flow of $23.77M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.32 in free cash annually.
FCF Yield
FVCB converts 8.47% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.78
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.11
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.35
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.14
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How FVCB Stacks Against Its Sector Peers
| Metric | FVCB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.78 | 19.21 | Better (Cheaper) |
| ROE | 8.92% | 817.00% | Weak |
| Net Margin | 18.39% | -464.00% (disorted) | Strong |
| Debt/Equity | 0.10 | 12.73 | Strong (Low Leverage) |
| Current Ratio | 0.14 | 659.50 | Weak Liquidity |
| ROA | 0.96% | -24814.00% (disorted) | Weak |
FVCB outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FVCBankcorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
65.43%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
32.92%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
49.93%
Industry Style: Value, Dividend, Cyclical
High Growth