FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. More Details
No risks detected for FVCB from our risk checks.
Flawless balance sheet with proven 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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: FVCB underperformed the US Banks industry which returned -28% over the past year.
Return vs Market: FVCB underperformed the US Market which returned 19.5% 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 weeks ago | Simply Wall StWhat Kind Of Shareholders Hold The Majority In FVCBankcorp, Inc.'s (NASDAQ:FVCB) Shares?
1 month ago | Simply Wall StHow Much Did FVCBankcorp's(NASDAQ:FVCB) Shareholders Earn From Share Price Movements Over The Last Year?
2 months ago | Simply Wall StWhat Can We Learn About FVCBankcorp's (NASDAQ:FVCB) CEO Compensation?
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 ($11.89) is trading below our estimate of fair value ($13.87)
Significantly Below Fair Value: FVCB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: FVCB is poor value based on its PE Ratio (11.3x) compared to the US Banks industry average (9.9x).
PE vs Market: FVCB is good value based on its PE Ratio (11.3x) compared to the US market (19x).
Price to Earnings Growth Ratio
PEG Ratio: FVCB is poor value based on its PEG Ratio (4.7x)
Price to Book Ratio
PB vs Industry: FVCB's PB Ratio (0.9x) is in line with the US Banks industry average.
How is FVCBankcorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FVCB's forecast earnings growth (2.4% per year) is above the savings rate (2.2%).
Earnings vs Market: FVCB's earnings (2.4% per year) are forecast to grow slower than the US market (22.1% per year).
High Growth Earnings: FVCB's earnings are forecast to grow, but not significantly.
Revenue vs Market: FVCB's revenue (2.5% per year) is forecast to grow slower than the US market (10% per year).
High Growth Revenue: FVCB's revenue (2.5% 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 (7%).
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 (30.1%) are higher than last year (28%).
Past Earnings Growth Analysis
Earnings Trend: FVCB's earnings have grown significantly by 23.2% per year over the past 5 years.
Accelerating Growth: FVCB's earnings growth over the past year (12.6%) is below its 5-year average (23.2% per year).
Earnings vs Industry: FVCB earnings growth over the past year (12.6%) exceeded the Banks industry -3%.
Return on Equity
High ROE: FVCB's Return on Equity (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 (9.9x) is low.
Allowance for Bad Loans: FVCB has a sufficient allowance for bad loans (152%).
Low Risk Liabilities: 95% 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 (82%).
Low Risk Deposits: FVCB's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: FVCB has an appropriate level of bad loans (0.6%).
What is FVCBankcorp 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 (68 yo)
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 above average for companies of similar size in the US market ($USD1.27M).
Compensation vs Earnings: David's compensation has increased by more than 20% in the past year.
|Chairman & CEO||5.75yrs||US$1.70m||1.6% |
|Executive VP & Chief Lending Officer||9.58yrs||US$513.78k||0.034% |
|Executive VP & CFO||3.08yrs||no data||0.058% |
|Executive VP & COO||5.75yrs||US$331.14k||0.14% |
|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||8.75yrs||no data||0.086% |
|Senior Vice President of Loan Operations||no data||no data||no data|
|Senior Vice President of Credit Administration||no data||no data||no data|
|Senior VP & Business Development Officer||no data||no data||no data|
|Senior VP & Commercial Loan Officer||no data||no data||no data|
Experienced Management: FVCB's management team is seasoned and experienced (5.8 years average tenure).
|Chairman & CEO||5.75yrs||US$1.70m||1.6% |
|Independent Director||10.75yrs||US$76.65k||0.51% |
|Independent Director||5.75yrs||US$86.95k||0.29% |
|Independent Director||5.75yrs||US$85.35k||0.86% |
|Independent Director||8.75yrs||US$75.85k||0.22% |
|Independent Director||2yrs||US$74.05k||5.56% |
|Independent Director||3.33yrs||US$82.95k||0.17% |
|Vice Chairman & lead Independent Director||5.75yrs||US$84.35k||0.16% |
|Independent Director||5.75yrs||US$75.15k||1.01% |
|Independent Director||5.75yrs||US$74.85k||0.58% |
|Independent Director||10.75yrs||US$81.20k||1.44% |
Experienced Board: FVCB's board of directors are considered experienced (5.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FVCB insiders have only sold shares 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$160.259m
- Shares outstanding: 13.48m
- 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 in Virginia. It offers deposit products, including interest and noninterest-bearing transac ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/20 00:26|
|End of Day Share Price||2020/10/19 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.