# FVCBankcorp Inc. (FVCB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $16.78, market value $303 million.

## Valuation
- **P/E (trailing): 11.3×** (5-yr avg 23.3×, 3-yr avg 30.8×). FVCBankcorp Inc. trades at 11.3× trailing earnings, well below its own five-year average of 23.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.22**. A PEG of 0.22 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 169.9×**. Each dollar of revenue is priced at 169.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.5%** (5-yr avg 7.7%). Free cash flow equals 10.5% of the market value, above its five-year average of 7.7%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.8%**. The inverse of the P/E: 8.8% of the price is earned each year.

## Profitability
- **Return on equity: 8.7%**. 8.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.0%**. Each dollar of assets produces 1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 13.9%** (3-yr 7.5%/yr). Revenue grew 13.9% over the last year.
- **EPS growth (1 yr): 47.6%** (3-yr -3.6%/yr, 5-yr 6.6%/yr). Earnings per share rose 47.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 2.3%/yr**. Free cash flow has compounded at 2.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.67%** ($0.27 per share, trailing). FVCBankcorp Inc. yields 1.67%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 10%**. 10% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.

## Analyst view
- **Analyst consensus: buy** (2 analysts). 2 analysts cover FVCBankcorp Inc.; the consensus is buy, with an average price target of $19.38 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 39.3%** (YTD 22.4%, 3-mo -10.3%). The shares are up 39.3% over twelve months including dividends.
- **From 52-week high: -12.2%** (40.7% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 36**. An RSI of 36 is neutral.
- **Beta (1 yr): 0.42** (volatility 21%). Beta of 0.42 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FVCB · Page: https://foliofundamentals.com/stocks/fvcb

Not investment advice.