FVCB
BULLISH
$15.6
Live
FVCBankcorp, Inc. · NASDAQ
Target $17.62
(+13.0%)
$9.64
52W Range
$17.94
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$280.43M
P/E
12.89
ROE
9.0%
Profit margin
33.5%
Debt/Equity
N/A
Dividend yield
1.55%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
FVCB presents a compelling value opportunity, trading significantly below its Graham Number ($19.71) and Intrinsic Value ($35.99). The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and strong double-digit growth in both revenue (10.20%) and earnings (15.20%). While insider sentiment is bearish and technical trends are currently weak, the fundamental valuation metrics (P/E 12.89, P/B 1.10) suggest the stock is undervalued. The extremely low dividend payout ratio of 9.92% provides a significant cushion for future dividend growth.
Key Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 15.20%
Attractive Price-to-Book ratio of 1.10
Highly sustainable dividend payout ratio (9.92%)
Strong 1-year price appreciation of 49.8%
Key Risks
Aggressive insider selling ($1.15M in net sales)
Bearish technical trend (0/100 score)
Low ROA (0.98%) which is slightly below the ideal 1% benchmark for regional banks
Limited analyst coverage (only 2 analysts)
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+44.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
71
Strong
90
75
80
50
60
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Consistent earnings growth, Low valuation multiples
Confidence
80%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- Price $15.60 is well below Graham Number $19.71
- Low Forward P/E of 9.81
- P/B of 1.10 is conservative for the sector
Watchpoints
No urgent risks highlighted.
Future
75/100
Ref Growth rates
Positives
- 15.2% YoY Earnings Growth
- 14.19% Q/Q Revenue Growth
Watchpoints
- Regional bank growth is often capped by regulatory constraints
Past
80/100
Ref Historical trends
Positives
- Impressive 1Y return of 49.8%
- Consistent earnings beats in 2024-2025
Watchpoints
- Significant EPS miss in Jan 2024 (-240%)
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- ROA is marginally below 1%
- Altman Z-Score not applicable for banking model
Dividend
60/100
Ref Yield, Payout
Positives
- Extremely low payout ratio (9.92%) suggests high safety
Watchpoints
- Low absolute yield of 1.55%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$15.6
Analyst Target
$17.62
Upside/Downside
+13.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FVCB and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FVCB
FVCBankcorp, Inc.
Primary
|
+20.3% | +53.5% | +49.8% | +26.2% | +3.9% | +2.6% |
|
ACV
Virtus Diversified Income & Convertible Fund
Peer
|
+58.2% | +76.3% | +36.2% | +30.3% | +7.0% | +2.3% |
|
CHMG
Chemung Financial Corporation
Peer
|
+45.2% | +49.1% | +33.2% | +7.6% | +2.4% | +3.7% |
|
FUND
Sprott Focus Trust, Inc.
Peer
|
+76.1% | +49.8% | +51.6% | +22.1% | +2.6% | +1.9% |
|
BLFY
Blue Foundry Bancorp
Peer
|
-0.3% | +3.9% | +33.0% | +42.1% | +0.9% | +0.9% |
FVC
FVCBankcorp, Inc.
Primary
5Y
+20.3%
3Y
+53.5%
1Y
+49.8%
6M
+26.2%
1M
+3.9%
1W
+2.6%
ACV
Virtus Diversified Income & Convertible Fund
Peer
5Y
+58.2%
3Y
+76.3%
1Y
+36.2%
6M
+30.3%
1M
+7.0%
1W
+2.3%
CHM
Chemung Financial Corporation
Peer
5Y
+45.2%
3Y
+49.1%
1Y
+33.2%
6M
+7.6%
1M
+2.4%
1W
+3.7%
FUN
Sprott Focus Trust, Inc.
Peer
5Y
+76.1%
3Y
+49.8%
1Y
+51.6%
6M
+22.1%
1M
+2.6%
1W
+1.9%
BLF
Blue Foundry Bancorp
Peer
5Y
-0.3%
3Y
+3.9%
1Y
+33.0%
6M
+42.1%
1M
+0.9%
1W
+0.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.89
Forward P/E
9.81
PEG Ratio
N/A
P/B Ratio
1.1
P/S Ratio
4.26
EV/Revenue
2.7
EV/EBITDA
N/A
Market Cap
$280.43M
Profitability
Profit margins and return metrics
Profit Margin
33.51%
Operating Margin
45.28%
Gross Margin
N/A
ROE
9.02%
ROA
0.98%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.2%
Earnings Growth
+15.2%
Q/Q Revenue Growth
+14.19%
Q/Q Earnings Growth
+15.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.19
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
32.1%
Total Assets
$2.3B
Liabilities
$2.0B
Equity
$0.3B
Debt/Equity
8.04x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2026-01-20
$0.31
2025-10-21
$0.31
2025-07-22
$0.3
+7.1% surprise
Financial Services Sector Comparison
Comparing FVCB against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
12.89
This Stock
vs
55.13
Sector Avg
-76.6%
(Discount)
Return on Equity (ROE)
9.02%
This Stock
vs
-0.93%
Sector Avg
-1072.5%
(Below Avg)
Profit Margin
33.51%
This Stock
vs
69.73%
Sector Avg
-51.9%
(Weaker)
Revenue Growth
10.2%
This Stock
vs
32.66%
Sector Avg
-68.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FVCB
FVCBankcorp, Inc.
|
BULLISH | $280.43M | 12.89 | 9.0% | 33.5% | $15.6 | |
|
ACV
Virtus Diversified Income...
|
BEARISH | $289.92M | 6.7 | -% | -% | $27.94 | Compare |
|
CHMG
Chemung Financial Corporation
|
BULLISH | $268.87M | 17.77 | 6.4% | 16.7% | $55.8 | Compare |
|
FUND
Sprott Focus Trust, Inc.
|
BULLISH | $293.88M | 5.37 | 20.1% | 646.0% | $9.83 | Compare |
|
BLFY
Blue Foundry Bancorp
|
BEARISH | $266.99M | - | -2.8% | -20.6% | $12.86 | Compare |
FVCB
FVCBankcorp, Inc.
BULLISH
Mkt Cap
$280M
P/E
12.9
ROE
9.0%
Price
$15.6
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-25 | FERRICK PATRICIA A | President | Option Exercise | 19,212 | $177,058 |
| 2026-03-17 | WILLS PHILLIP R III | Director | Sale | 11,462 | $169,706 |
| 2026-03-02 | NASSY MICHAEL G | Officer | Sale | 3,100 | $48,236 |
| 2026-02-26 | SCHWARTZ LAWRENCE W | Director | Sale | 21,483 | $336,508 |
| 2026-02-26 | SCHWARTZ LAWRENCE W | Director | Sale | 21,483 | $336,508 |
| 2026-02-26 | SCHWARTZ LAWRENCE W | Director | Option Exercise | 21,483 | $197,987 |
| 2026-02-25 | JACKSON SHARON L | Officer | Sale | 1,000 | $15,490 |
| 2026-02-25 | WILLS PHILLIP R III | Director | Sale | 15,000 | $231,792 |
| 2026-02-13 | NASSY MICHAEL G | Officer | Option Exercise | 11,718 | $107,993 |
| 2025-11-19 | NASSY MICHAEL G | Officer | Sale | 1,000 | $12,225 |
FERRICK PATRICIA A
President
2026-03-25
19,212 shares
·
$177,058
WILLS PHILLIP R III
Director
2026-03-17
11,462 shares
·
$169,706
NASSY MICHAEL G
Officer
2026-03-02
3,100 shares
·
$48,236
SCHWARTZ LAWRENCE W
Director
2026-02-26
21,483 shares
·
$336,508
SCHWARTZ LAWRENCE W
Director
2026-02-26
21,483 shares
·
$336,508
SCHWARTZ LAWRENCE W
Director
2026-02-26
21,483 shares
·
$197,987
JACKSON SHARON L
Officer
2026-02-25
1,000 shares
·
$15,490
WILLS PHILLIP R III
Director
2026-02-25
15,000 shares
·
$231,792
NASSY MICHAEL G
Officer
2026-02-13
11,718 shares
·
$107,993
NASSY MICHAEL G
Officer
2025-11-19
1,000 shares
·
$12,225
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
2 analysts
Piper Sandler
2026-02-12
Overweight
Overweight
Past News Coverage
Recent headlines mentioning FVCB from our newsroom.
Newest → oldest
No matching news yet.