Is FVCBankcorp, Inc. (FVCB) Overvalued?
We dive into why FVCBankcorp, Inc. (FVCB) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
FVCBankcorp, Inc. operates as the bank holding company for FVCbank provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. The company provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. It offers lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, the company provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.
Commentary & Analysis
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Financial Summary
| Share Statistics | FVCB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $332.9 | $756.4 | 32% |
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| Shares Out (Mil) | 18.2 | 15.4 | 29% |
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| Institutional Ownership | 77.4% | 84.0% | 47% |
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| Float (Mil) | 15.2 | 21.7 | 25% |
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| Beta | 0.32 | 0.44 | 19% |
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| Avg Daily Volume (000s) | 60 | 40 | 30% |
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| Price Change (52-week) |
39.0% | 94.9% | 77% |
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| Growth | FVCB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.4% | 7.7% | 38% |
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| Net Income (5yr) | 7.4% | 11.1% | 51% |
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| EPS (5yr) | 6.6% | 10.1% | 41 |
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| Dividends (5yr) | 0.0% | 3.6% | 62% |
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| Cash Flow (5yr) | (19.1%) | (17.1%) | 35% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 2 | |
| Current EPS | $0.390 | $1.580 | $1.610 | |
| Month Ago EPS | $0.390 | $1.580 | $1.610 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.380 | $1.530 | $1.595 | |
| Year/Year Chg | (13.3%) | 30.6% | na | |
| Financials | FVCB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $73 | $196 | 23% |
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| Net Income (TTM) (Mil) | $26 | $56 | 50% |
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| EPS (TTM) | $1.435 | $2.500 | 66% |
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| Operating Cash Flow (TTM) (Mil) | $32 | $34 | 44% |
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| Net Cash Flow (TTM) (Mil) | ($2) | $2 | 37% |
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| Long-Term Debt (Q1) (Mil) | $30 | $99 | 35% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FVCB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.25 | 1.27 | 31% |
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| P/E | 12.9 | 12.5 | 30% |
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| Dividend Yield | 1.5% | 2.2% | 72% |
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| PEG (5yr hist) | 2.0 | 1.1 | 68% |
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| Ratios | FVCB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.5% | 29.1% | 92% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 10.1% | 11.3% | 57% |
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| Liabilities to Assets | 88.7% | 89.7% | 83% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 9/11/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.4 |
