FVCB
VENTE TOTALE: 8 100 titres (~150 255,00 $ US)
- Insiders
- Laughlin Scott
- Total bought
- —
- Total sold
- $150,255
- Last activity
- 2026-08-21
- Last synced
-
2026-08-27 10:00:12
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-27
Despite a solid earnings catalyst (Q2 beat, 45% YoY net income growth) and improving profitability trends, FVCB's critically low liquidity ratios (current/quick at 0.07) and an interest coverage ratio below 1 represent…
The first sentence of the analysis written for FVCB on 2026-08-27 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 53.9% | 48.3% | 43.0% | 78.4% | 86.0% | |
| Ebit Margin | 23.1% | 20.0% | 4.6% | 37.1% | 39.5% | |
| Ebitda Margin | 23.4% | 20.4% | 5.3% | 37.9% | 40.7% | |
| Operating Profit Margin | 23.1% | 20.0% | 4.6% | 37.1% | 39.5% | |
| Pretax Profit Margin | 23.1% | 20.0% | 4.6% | 37.1% | 39.5% | |
| Continuous Operations Profit Margin | 18.1% | 13.5% | 4.2% | 29.9% | 30.7% | |
| Net Profit Margin | 18.1% | 13.5% | 4.2% | 29.9% | 30.7% | |
| Bottom Line Profit Margin | 18.1% | 13.5% | 4.2% | 29.9% | 30.7% | |
| Current Ratio | 0.071 | 0.136 | 0.127 | 0.176 | 0.310 | |
| Quick Ratio | 0.071 | 0.136 | 0.127 | 0.176 | 0.310 | |
| Solvency Ratio | 0.011 | 0.008 | 0.002 | 0.012 | 0.011 | |
| Cash Ratio | 0.064 | 0.047 | 0.031 | 0.039 | 0.123 | |
| Price To Earnings Ratio | 11.402 | 15.145 | 64.545 | 10.671 | 12.202 | |
| Price To Earnings Growth Ratio | 0.243 | 0.055 | -0.763 | 0.983 | 0.303 | |
| Forward Price To Earnings Growth Ratio | 0.243 | 0.055 | -0.763 | 0.983 | 0.303 | |
| Price To Earnings Diluted Ratio | 11.496 | 15.329 | 67.619 | 11.304 | 13.117 | |
| Price To Earnings Diluted Growth Ratio | 0.242 | 0.053 | -0.801 | 0.904 | 0.361 | |
| Price To Book Ratio | 0.994 | 0.964 | 1.159 | 1.314 | 1.280 | |
| Price To Sales Ratio | 2.065 | 2.034 | 2.740 | 3.184 | 3.756 | |
| Price To Free Cash Flow Ratio | 10.585 | 12.546 | 15.673 | 11.968 | 14.164 | |
| Price To Operating Cash Flow Ratio | 10.565 | 12.449 | 15.469 | 11.879 | 13.811 | |
| Debt To Assets Ratio | 0.011 | 0.035 | 0.052 | 0.126 | 0.025 | |
| Debt To Equity Ratio | 0.100 | 0.324 | 0.524 | 1.457 | 0.265 | |
| Debt To Capital Ratio | 0.091 | 0.245 | 0.344 | 0.593 | 0.210 | |
| Long Term Debt To Capital Ratio | 0.069 | 0.074 | 0.083 | 0.088 | 0.085 | |
| Financial Leverage Ratio | 9.039 | 9.343 | 10.089 | 11.584 | 10.500 | |
| Working Capital Turnover Ratio | -0.069 | -0.066 | -0.053 | -0.054 | -0.054 | |
| Operating Cash Flow Ratio | 0.012 | 0.009 | 0.008 | 0.011 | 0.010 | |
| Operating Cash Flow Sales Ratio | 0.196 | 0.163 | 0.177 | 0.268 | 0.272 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.998 | 0.992 | 0.987 | 0.993 | 0.975 | |
| Debt Service Coverage Ratio | 0.410 | 0.144 | 0.032 | 0.092 | 0.642 | |
| Interest Coverage Ratio | 0.517 | 0.386 | 0.081 | 2.007 | 2.691 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.365 | 0.191 | 0.084 | 0.778 | |
| Operating Cash Flow Coverage Ratio | 0.945 | 0.239 | 0.143 | 0.076 | 0.350 | |
| Capital Expenditure Coverage Ratio | 507.638 | 129.305 | 76.741 | 134.892 | 40.093 | |
| Dividend Paid And Capex Coverage Ratio | 10.776 | 129.305 | 76.741 | 134.892 | 40.093 | |
| Dividend Payout Ratio | 0.098 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 5.236 | 9.338 | 63.187 | 15.135 | 2.863 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 53.9% | ▲5.7% | ▼-8.0% |
| Ebit Margin | 23.2% | ▲3.2% | ▼-1.7% |
| Ebitda Margin | 23.4% | ▲3.0% | ▼-2.1% |
| Operating Profit Margin | 23.2% | ▲3.2% | ▼-1.7% |
| Pretax Profit Margin | 23.2% | ▲3.2% | ▼-1.7% |
| Continuous Operations Profit Margin | 18.1% | ▲4.6% | ▼-1.2% |
| Net Profit Margin | 18.1% | ▲4.6% | ▼-1.2% |
| Bottom Line Profit Margin | 18.1% | ▲4.6% | ▼-1.2% |
| Current Ratio | 0.071 | ▼-0.065 | ▼-0.093 |
| Quick Ratio | 0.071 | ▼-0.065 | ▼-0.093 |
| Solvency Ratio | 0.011 | ▲0.003 | ▲0.002 |
| Cash Ratio | 0.064 | ▲0.017 | ▲0.003 |
| Price To Earnings Ratio | 11.402 | ▼-3.743 | ▼-11.391 |
| Price To Earnings Growth Ratio | 0.243 | ▲0.188 | ▲0.078 |
| Forward Price To Earnings Growth Ratio | 0.243 | ▲0.188 | ▲0.078 |
| Price To Earnings Diluted Ratio | 11.496 | ▼-3.833 | ▼-12.277 |
| Price To Earnings Diluted Growth Ratio | 0.242 | ▲0.189 | ▲0.090 |
| Price To Book Ratio | 0.994 | ▲0.029 | ▼-0.148 |
| Price To Sales Ratio | 2.066 | ▲0.031 | ▼-0.690 |
| Price To Free Cash Flow Ratio | 10.585 | ▼-1.961 | ▼-2.402 |
| Price To Operating Cash Flow Ratio | 10.565 | ▼-1.885 | ▼-2.270 |
| Debt To Assets Ratio | 0.011 | ▼-0.024 | ▼-0.039 |
| Debt To Equity Ratio | 0.100 | ▼-0.225 | ▼-0.435 |
| Debt To Capital Ratio | 0.090 | ▼-0.154 | ▼-0.206 |
| Long Term Debt To Capital Ratio | 0.069 | ▼-0.005 | ▼-0.011 |
| Financial Leverage Ratio | 9.039 | ▼-0.304 | ▼-1.072 |
| Working Capital Turnover Ratio | -0.069 | ▼-0.003 | ▼-0.010 |
| Operating Cash Flow Ratio | 0.012 | ▲0.003 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.196 | ▲0.032 | ▼-0.020 |
| Free Cash Flow Operating Cash Flow Ratio | 0.998 | ▲0.006 | ▲0.009 |
| Debt Service Coverage Ratio | 0.410 | ▲0.266 | ▲0.146 |
| Interest Coverage Ratio | 0.517 | ▲0.131 | ▼-0.620 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-0.365 | ▼-0.284 |
| Operating Cash Flow Coverage Ratio | 0.945 | ▲0.707 | ▲0.595 |
| Capital Expenditure Coverage Ratio | 507.638 | ▲378.333 | ▲329.905 |
| Dividend Paid And Capex Coverage Ratio | 10.776 | ▼-118.528 | ▼-67.585 |
| Dividend Payout Ratio | 0.098 | ▲0.098 | ▲0.079 |
| Enterprise Value Multiple | 5.236 | ▼-4.102 | ▼-13.916 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $252.1M | $227.0M | $251.7M | $266.0M | $268.6M | |
| Enterprise value | $149.7M | $212.4M | $305.0M | $479.4M | $83.2M | |
| EV / Sales | 1.23x | 1.90x | 3.32x | 5.74x | 1.16x | |
| EV / Op. cash flow | 6.27x | 11.65x | 18.75x | 21.41x | 4.28x | |
| EV / Free cash flow | 6.29x | 11.74x | 19.00x | 21.57x | 4.39x | |
| EV / EBITDA | 5.24x | 9.34x | 63.19x | 15.13x | 2.86x | |
| Net debt / EBITDA | -3.58x | -0.64x | 11.05x | 6.74x | -6.38x | |
| Current ratio | 0.07x | 0.14x | 0.13x | 0.18x | 0.31x | |
| Income quality | 1.08x | 1.21x | 4.26x | 0.90x | 0.89x | |
| Graham number | $20 | $16 | $8 | $19 | $19 | |
| Graham net-net | -$105 | -$95 | -$98 | -$102 | -$81 | |
| Tax burden | 78.1% | 67.6% | 90.3% | 80.6% | 77.8% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.86B | -$1.66B | -$1.70B | -$1.74B | -$1.35B | |
| Invested capital | -$1.84B | -$1.65B | -$1.68B | -$1.72B | -$1.33B | |
| Return on assets | 1.0% | 0.7% | 0.2% | 1.1% | 1.0% | |
| Operating ROA | 1.3% | 1.0% | 0.2% | 1.4% | 1.4% | |
| Return on tangible assets | 1.0% | 0.7% | 0.2% | 1.1% | 1.0% | |
| Return on equity | 8.7% | 6.4% | 1.8% | 12.3% | 10.5% | |
| Return on invested capital | 7.5% | 4.6% | 1.2% | 5.0% | 8.3% | |
| Return on capital employed | 9.6% | 8.1% | 1.7% | 13.3% | 11.7% | |
| Earnings yield | 8.8% | 6.6% | 1.5% | 9.4% | 8.2% | |
| Free cash flow yield | 9.4% | 8.0% | 6.4% | 8.4% | 7.1% | |
| Capex / Op. cash flow | 0.2% | 0.8% | 1.3% | 0.7% | 2.5% | |
| Capex / Depreciation | 13.9% | 31.7% | 35.6% | 24.2% | 56.4% | |
| Capex / Sales | 0.0% | 0.1% | 0.2% | 0.2% | 0.7% | |
| SG&A / Sales | 18.2% | 19.4% | 25.5% | 27.0% | 29.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.7% | 1.2% | 1.4% | 1.4% | |
| Intangibles / Total assets | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | |
| Days sales outstanding | 31d | 34d | 41d | 41d | 41d | |
| Days payables outstanding | 13d | 16d | 17d | 26d | 38d | |
| Operating cycle | 31d | 34d | 41d | 41d | 41d | |
| Cash conversion cycle | 17d | 18d | 24d | 16d | 3d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+11.1%EV / Sales ▼-35.6%EV / EBITDA ▼-43.9%EV / Op. cash flow ▼-5.375Earnings yield ▲+0.021Graham number ▲+3.936
Profitability
Return on equity ▲+0.023Return on assets ▲+0.003Return on invested capital ▲+0.029Return on capital employed ▲+0.016Operating ROA ▲+0.002Income quality ▼-0.129Tax burden ▲+0.105
Efficiency
Days sales outstanding ▼-3.004Days payables outstanding ▼-2.359Operating cycle ▼-3.004Cash conversion cycle ▼-0.644Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.065Net debt / EBITDA ▼-2.940Working capital ▼-196177000.000Invested capital ▼-197529000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▼-6.1%EV / Sales ▲+5.4%EV / EBITDA ▲+82.9%EV / Op. cash flow ▲+1.993Earnings yield ▲+0.006Graham number ▲+0.719
Profitability
Return on equity ▼-0.018Return on assets -0.000Return on invested capital ▼-0.007Return on capital employed ▼-0.021Operating ROA ▼-0.001Income quality ▲+0.195Tax burden ▲+0.003
Efficiency
Days sales outstanding ▼-10.478Days payables outstanding ▼-24.334Operating cycle ▼-10.478Cash conversion cycle ▲+13.856Capex / Sales ▼-0.006R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.239Net debt / EBITDA ▲+2.794Working capital ▼-503664000.000Invested capital ▼-509417000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-22 FVCBankcorp (FVCB) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for FVCBankcorp (FVCB) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-21 FVCBankcorp (FVCB) Q2 Earnings and Revenues Surpass Estimates FVCBankcorp (FVCB) came out with quarterly earnings of $0.42 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.3 per share a year ago.
- 2026-07-21 FVCBankcorp, Inc. Announces Record Earnings; 45% Increase in Net Income Compared to Year Ago Quarter FAIRFAX, Va.--(BUSINESS WIRE)--FVCBankcorp, Inc. (NASDAQ: FVCB) (the “Company”) today reported net income of $8.2 million for the quarter ended June 30, 2026 compared to net income of $5.7 million for the quarter ended June 30, 2025, an increase of $2.6 million, or 45%. Compared to the linked quarter, net income increased $1.8 million, or 29%, from $6.4 million for the quarter ended March 31, 2026. Included in net income for the three months ended June 30, 2026 is a one-time pre-tax gain of $84.
- 2026-07-16 FVCBankcorp, Inc. Announces Quarterly Cash Dividend FAIRFAX, Va.--(BUSINESS WIRE)--FVCBankcorp, Inc. (NASDAQ: FVCB) (the “Company”) today announced that the Company''s Board of Directors has declared a cash dividend of $0.07 for each share of its common stock outstanding. The dividend is payable on August 17, 2026 to shareholders of record on July 27, 2026. The declaration and payment of future dividends are subject to the sole discretion of the Board of Directors in addition to regulatory restrictions. About FVCBankcorp, Inc. FVCBankcorp, Inc. i.
- 2026-06-08 FVCBankcorp: A Promising But Underfollowed Local Bank FVCBankcorp demonstrates robust net interest income growth, driving a 29% YoY EPS increase and strong bottom-line performance. FVCB maintains a conservative loan book with low LTV ratios, particularly in commercial real estate, limiting credit risk despite sector concerns. The bank''s low dividend payout supports tangible book value growth, with TBVPS rising 10% YoY to $14.06 and continued asset expansion expected.