OTCPK:FDVA

Stock Analysis Report

Freedom Bank of Virginia

Executive Summary

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area.

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Risks

  • Freedom Bank of Virginia is covered by less than 3 analysts.

Similar Companies

Share Price & News

How has Freedom Bank of Virginia's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.5%

OTCPK:FDVA

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-15.1%

OTCPK:FDVA

-16.1%

US Banks

-3.0%

US Market

FDVA underperformed the Banks industry which returned -13.8% over the past year.

FDVA underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

FDVAIndustryMarket
7 Day-1.5%-1.8%-1.6%
30 Day-2.4%-10.6%-5.8%
90 Day-0.5%-5.0%0.2%
1 Year-15.1%-15.1%-13.7%-16.1%-0.8%-3.0%
3 Year11.6%11.6%37.9%28.5%38.0%29.1%
5 Year6.4%6.4%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Freedom Bank of Virginia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Freedom Bank of Virginia undervalued based on future cash flows and its price relative to the stock market?

174.48x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Freedom Bank of Virginia's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Freedom Bank of Virginia's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Freedom Bank of Virginia is overvalued based on earnings compared to the US Banks industry average.

Freedom Bank of Virginia is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Freedom Bank of Virginia, we can't assess if its growth is good value.


Price Based on Value of Assets

Freedom Bank of Virginia is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Freedom Bank of Virginia expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

29.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Freedom Bank of Virginia's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

Freedom Bank of Virginia's earnings are expected to grow significantly at over 20% yearly.

Freedom Bank of Virginia's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Freedom Bank of Virginia's earnings growth is expected to exceed the United States of America market average.

Freedom Bank of Virginia's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Freedom Bank of Virginia is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Freedom Bank of Virginia performed over the past 5 years?

0.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Freedom Bank of Virginia's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.

Freedom Bank of Virginia's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Freedom Bank of Virginia's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Freedom Bank of Virginia has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Freedom Bank of Virginia used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Freedom Bank of Virginia improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Freedom Bank of Virginia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Freedom Bank of Virginia has an acceptable proportion of non-loan assets held.

Freedom Bank of Virginia has a sufficient allowance for bad loans.

Freedom Bank of Virginia's liabilities are made up of primarily low risk sources of funding.

Freedom Bank of Virginia's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Freedom Bank of Virginia are broadly funded by customer deposits.

Freedom Bank of Virginia has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Freedom Bank of Virginia's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Freedom Bank of Virginia's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Freedom Bank of Virginia's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Freedom Bank of Virginia has not reported any payouts.

Unable to verify if Freedom Bank of Virginia's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Freedom Bank of Virginia has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Freedom Bank of Virginia's salary, the management and board of directors tenure and is there insider trading?

1.2yrs

Average management tenure


CEO

Joe Thomas (54yo)

1.0yrs

Tenure

US$2,994,069

Compensation

Mr. Joseph Janney Thomas, also known as Joe, CFA, has been President and Chief Executive Officer of Freedom Bank of Virginia since August 27, 2018. He is Director at Freedom Bank of Virginia since August 2 ...


CEO Compensation Analysis

Joe's remuneration is higher than average for companies of similar size in United States of America.

Insufficient data for Joe to compare compensation growth.


Management Age and Tenure

1.2yrs

Average Tenure

57.5yo

Average Age

The average tenure for the Freedom Bank of Virginia management team is less than 2 years, this suggests a new team.


Board Age and Tenure

1.0yrs

Average Tenure

54yo

Average Age

The average tenure for the Freedom Bank of Virginia board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Rick Hutchison (62yo)

    Executive VP & Chief Mortgage Officer

    • Tenure: 4.7yrs
    • Compensation: US$343.30k
  • Cynthia Atwater (61yo)

    Corporate Secretary & Director

    • Tenure: 16.6yrs
    • Compensation: US$22.08k
  • Joe Thomas (54yo)

    President

    • Tenure: 1.0yrs
    • Compensation: US$2.99m
  • Raj Mehra (58yo)

    Executive VP & CFO

    • Tenure: 1.7yrs
    • Compensation: US$275.00k
  • Shaun Murphy (57yo)

    Executive VP

    • Tenure: 0.8yrs
    • Compensation: US$122.83k
  • Kathleen Croson (55yo)

    Executive VP & Chief Banking Officer

    • Tenure: 1.4yrs
  • Bradley Crockett

    Head of the Commercial Real Estate Group

    • Tenure: 0.2yrs

Board Members

  • John Rohrback (72yo)

    Vice Chairman of the Board

    • Tenure: 6.0yrs
    • Compensation: US$50.36k
  • H. Gold (64yo)

    Chairman of the Board

    • Tenure: 1.1yrs
    • Compensation: US$41.62k
  • Cynthia Atwater (61yo)

    Corporate Secretary & Director

    • Tenure: 16.6yrs
    • Compensation: US$22.08k
  • Joe Thomas (54yo)

    President

    • Tenure: 1.0yrs
    • Compensation: US$2.99m
  • Kevin Kooman (49yo)

    Director

    • Tenure: 0.3yrs
  • Joseph English (53yo)

    Director

    • Tenure: 0.3yrs
  • Brandon Park (53yo)

    Director

    • Tenure: 1.4yrs
    • Compensation: US$14.39k
  • Lauren McKelvey (37yo)

    Director

    • Tenure: 0.9yrs
    • Compensation: US$6.24k
  • Maury Peiperl (57yo)

    Director

    • Tenure: 0.3yrs

Company Information

The Freedom Bank of Virginia's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The Freedom Bank of Virginia
  • Ticker: FDVA
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$71.933m
  • Shares outstanding: 7.12m
  • Website: https://www.freedombankva.com

Location

  • The Freedom Bank of Virginia
  • 10555 Main Street
  • Fairfax
  • Virginia
  • 22030
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FDVAOTCPK (Pink Sheets LLC)YesVoting Common StockUSUSDSep 2004

Biography

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area. The company accepts checking and savings accounts, certificates of deposit, and individu ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:59
End of Day Share Price2019/08/23 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.