FVCBankcorp Financials

FVCB Stock  USD 13.24  0.03  0.23%   
Based on the analysis of FVCBankcorp's profitability, liquidity, and operating efficiency, FVCBankcorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, FVCBankcorp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 137.5 M, whereas Common Stock Shares Outstanding is forecasted to decline to about 16.8 M. Key indicators impacting FVCBankcorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.135
Sufficiently Up
Pretty Stable
Return On Assets0.00570.0069
Fairly Down
Slightly volatile
Return On Equity0.05690.064
Fairly Down
Slightly volatile
Debt Equity Ratio0.420.3243
Significantly Up
Pretty Stable
Operating Income14.7 M22.3 M
Way Down
Slightly volatile
Current Ratio0.190.1358
Significantly Up
Pretty Stable
The financial analysis of FVCBankcorp is a critical element in measuring its lifeblood. Investors should not minimize FVCBankcorp's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

10.07 Million

  
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Understanding current and past FVCBankcorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of FVCBankcorp's financial statements are interrelated, with each one affecting the others. For example, an increase in FVCBankcorp's assets may result in an increase in income on the income statement.
Please note, the presentation of FVCBankcorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, FVCBankcorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of FVCBankcorp's management manipulating its earnings.

FVCBankcorp Stock Summary

FVCBankcorp competes with Community West, Investar Holding, Finward Bancorp, First Northwest, and BayCom Corp. FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia. Fvcbankcorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 126 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS36120Q1013
CUSIP36120Q101
LocationVirginia; U.S.A
Business Address11325 Random Hills
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fvcbank.com
Phone703 436 3800
CurrencyUSD - US Dollar

FVCBankcorp Key Financial Ratios

FVCBankcorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.8B2.2B2.3B2.2B2.2B1.5B
Other Current Liab1.6B1.9B1.8B396.7M1.9B1.1B
Net Debt(59.9M)(185.3M)213.4M112.7M(14.6M)(13.9M)
Retained Earnings68.0M89.9M114.9M115.9M131.0M137.5M
Accounts Payable685K1.0M1.3M2.4M2.5M2.6M
Cash141.1M241.0M81.6M(8.0M)91.0M66.6M
Other Assets1.4B1.2B1.7B1.02.0B1.0B
Net Receivables9.1M8.1M9.4M10.3M10.3M5.7M
Other Current Assets621K1.4M3.3M60.5M3.4M3.2M
Total Liab1.6B2.0B2.1B104.6M2.0B1.2B
Total Current Assets277.0M608.0M372.3M60.5M261.2M339.6M
Intangible Assets1.2M895K633K7.6M263K249.9K
Other Liab6.4M23.0M30.4M64.8M74.6M78.3M
Long Term Debt69.1M44.5M284.6M19.6M18.7M17.8M
Net Tangible Assets170.4M181.1M201.7M194.6M223.8M148.5M
Long Term Debt Total24.5M44.1M19.5M19.6M17.6M20.6M
Capital Surpluse125.8M119.6M121.8M123.9M142.5M118.2M
Inventory(154.7M)(250.4M)183.8M(2.3M)(2.6M)(2.8M)

FVCBankcorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense14.5M10.5M15.4M1.6K57.7M60.6M
Total Revenue68.9M70.3M83.0M42.4M111.6M117.2M
Gross Profit49.4M60.3M64.9M42.4M53.9M36.7M
Operating Income19.7M28.2M31.0M16.3M22.3M14.7M
Ebit19.7M28.2M31.0M16.3M22.3M14.7M
Ebitda20.6M29.1M31.7M16.3M22.7M15.3M
Cost Of Revenue19.5M10.0M18.1M52.2M57.7M60.6M
Income Before Tax19.7M28.2M31.0M4.2M22.3M13.6M
Net Income15.5M21.9M25.0M3.8M15.1M10.1M
Income Tax Expense4.2M6.3M6.0M410K7.2M7.6M
Tax Provision4.2M6.3M6.0M410K7.2M5.0M
Net Interest Income52.6M57.9M65.2M53.8M55.0M52.6M
Interest Income67.1M68.4M80.7M106.0M112.7M76.4M

FVCBankcorp Key Cash Accounts

202020212022202320242025 (projected)
Change To Inventory(6.2M)6.4M(4.6M)4.3M5.0M5.2M
Change In Cash5.9M3.8M(17.4M)789K119K125.0K
Free Cash Flow14.5M19.0M22.2M16.1M18.1M13.2M
Depreciation960K860K686K595K445K714.1K
Other Non Cash Items2.7M(8.5M)(446K)14.0M(1.9M)(1.8M)
Capital Expenditures353K485K166K212K141K134.0K
Net Income15.5M21.9M25.0M3.8M15.1M11.5M
End Period Cash Flow20.8M24.6M7.3M8.0M8.2M11.1M
Investments(273.9M)(366.8M)(247.7M)149.2M(8.9M)(9.4M)
Net Borrowings10M19.5M(23.8M)28.8M33.1M34.7M
Change To Netincome1.7M5.0M(1.2M)3.0M3.5M1.9M

FVCBankcorp Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining FVCBankcorp's current stock value. Our valuation model uses many indicators to compare FVCBankcorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across FVCBankcorp competition to find correlations between indicators driving FVCBankcorp's intrinsic value. More Info.
FVCBankcorp is rated # 4 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for FVCBankcorp is roughly  9.60 . At present, FVCBankcorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the FVCBankcorp's earnings, one of the primary drivers of an investment's value.

FVCBankcorp Systematic Risk

FVCBankcorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. FVCBankcorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on FVCBankcorp correlated with the market. If Beta is less than 0 FVCBankcorp generally moves in the opposite direction as compared to the market. If FVCBankcorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one FVCBankcorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of FVCBankcorp is generally in the same direction as the market. If Beta > 1 FVCBankcorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in FVCBankcorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various FVCBankcorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of FVCBankcorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0571

At present, FVCBankcorp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

FVCBankcorp July 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of FVCBankcorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of FVCBankcorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of FVCBankcorp based on widely used predictive technical indicators. In general, we focus on analyzing FVCBankcorp Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build FVCBankcorp's daily price indicators and compare them against related drivers.

Complementary Tools for FVCBankcorp Stock analysis

When running FVCBankcorp's price analysis, check to measure FVCBankcorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FVCBankcorp is operating at the current time. Most of FVCBankcorp's value examination focuses on studying past and present price action to predict the probability of FVCBankcorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FVCBankcorp's price. Additionally, you may evaluate how the addition of FVCBankcorp to your portfolios can decrease your overall portfolio volatility.
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