FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services Virginia.
Flawless balance sheet with solid track record.
Share Price & News
How has FVCBankcorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FVCB's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: FVCB underperformed the US Banks industry which returned -27.5% over the past year.
Return vs Market: FVCB underperformed the US Market which returned 4.6% over the past year.
Price Volatility Vs. Market
How volatile is FVCBankcorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StA Sliding Share Price Has Us Looking At FVCBankcorp, Inc.'s (NASDAQ:FVCB) P/E Ratio
2 months ago | Simply Wall StDid You Miss FVCBankcorp's (NASDAQ:FVCB) 62% Share Price Gain?
3 months ago | Simply Wall StNeed To Know: FVCBankcorp, Inc. (NASDAQ:FVCB) Insiders Have Been Selling Shares
Is FVCBankcorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FVCB ($11.15) is trading below our estimate of fair value ($16.14)
Significantly Below Fair Value: FVCB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FVCB is poor value based on its PE Ratio (9.9x) compared to the Banks industry average (9.4x).
PE vs Market: FVCB is good value based on its PE Ratio (9.9x) compared to the US market (15.1x).
Price to Earnings Growth Ratio
PEG Ratio: FVCB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: FVCB is overvalued based on its PB Ratio (0.8x) compared to the US Banks industry average (0.8x).
How is FVCBankcorp forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FVCB's earnings are forecast to decline over the next 3 years (-8.6% per year).
Earnings vs Market: FVCB's earnings are forecast to decline over the next 3 years (-8.6% per year).
High Growth Earnings: FVCB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: FVCB's revenue (0.3% per year) is forecast to grow slower than the US market (8.9% per year).
High Growth Revenue: FVCB's revenue (0.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FVCB's Return on Equity is forecast to be low in 3 years time (5.2%).
How has FVCBankcorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FVCB has high quality earnings.
Growing Profit Margin: FVCB's current net profit margins (32.1%) are higher than last year (27.6%).
Past Earnings Growth Analysis
Earnings Trend: FVCB's earnings have grown significantly by 23.8% per year over the past 5 years.
Accelerating Growth: FVCB's earnings growth over the past year (32.4%) exceeds its 5-year average (23.8% per year).
Earnings vs Industry: FVCB earnings growth over the past year (32.4%) exceeded the Banks industry 2.9%.
Return on Equity
High ROE: FVCB's Return on Equity (8.8%) is considered low.
How is FVCBankcorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FVCB's Assets to Equity ratio (9x) is low.
Allowance for Bad Loans: FVCB has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 94% of FVCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: FVCB has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: FVCB's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: FVCB has an appropriate level of bad loans (0.7%).
What is FVCBankcorp's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FVCB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FVCB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FVCB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FVCB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FVCB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David Pijor (67yo)
Mr. David W. Pijor has been the Chairman of the Board and Chief Executive Officer of FVCBankcorp, Inc. and FVCbank (the "Bank") since its organization and served as its President until July 1, 2017. Mr. Pi ...
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD1.70M) is about average for companies of similar size in the US market ($USD1.42M).
Compensation vs Earnings: David's compensation has increased by more than 20% in the past year.
|Chairman & CEO||5.33yrs||US$1.70m||1.61% $2.4m|
|Executive VP & Chief Lending Officer||9.17yrs||US$513.78k||0.034% $50.5k|
|Executive VP & CFO||2.67yrs||no data||0.059% $87.8k|
|Executive VP & COO||5.33yrs||US$331.14k||0.14% $204.7k|
|Senior VP & Director of Compliance||no data||no data||no data|
|Senior VP & Director of Human Resources||no data||no data||no data|
|Executive VP & Chief Credit Officer||8.33yrs||no data||0.086% $129.7k|
|Senior Vice President of Loan Operations||no data||no data||no data|
|Senior Vice President of Credit Administration||no data||no data||no data|
Experienced Management: FVCB's management team is seasoned and experienced (5.3 years average tenure).
|Chairman & CEO||5.33yrs||US$1.70m||1.61% $2.4m|
|Independent Director||10.33yrs||US$76.65k||0.51% $763.7k|
|Independent Director||5.33yrs||US$86.95k||0.29% $428.6k|
|Independent Director||5.33yrs||US$85.35k||0.86% $1.3m|
|Independent Director||8.33yrs||US$75.85k||0.22% $332.8k|
|Vice Chairman & lead Independent Director||5.33yrs||US$84.35k||0.16% $245.7k|
|Independent Director||5.33yrs||US$75.15k||1.0% $1.5m|
|Independent Director||5.33yrs||US$74.85k||0.58% $864.4k|
|Independent Director||10.33yrs||US$81.20k||1.45% $2.2m|
Experienced Board: FVCB's board of directors are considered experienced (5.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FVCB insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
FVCBankcorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: FVCBankcorp, Inc.
- Ticker: FVCB
- Exchange: NasdaqCM
- Founded: 2007
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$150.006m
- Shares outstanding: 13.45m
- Website: https://www.fvcbank.com
Number of Employees
- FVCBankcorp, Inc.
- 11325 Random Hills Road
- Suite 240
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FVCB||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Jul 2013|
FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; SBA loans; asset based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. It operates through a network of five banking locations located in Virginia. The company serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C. and Baltimore metropolitan areas. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/27 13:12|
|End of Day Share Price||2020/05/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.