FVCB
Neutral signalScored 2026-08-27 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
FVCBankcorp, Inc.
- Nom
- FVCBankcorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $308.4M
- Employés
- 134
- PDG
- David W. Pijor
- Site web
- https://www.fvcbank.com
- Marché
- BPRNCBNACFFIFCCOFSFGFUNC
FVCBankcorp, Inc. serves as the holding company for FVCbank, delivering a comprehensive suite of banking products and services throughout Virginia. Its deposit options include both interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The institution provides various loan products, such as commercial real estate and construction financing. It offers commercial loans designed for diverse business needs, including working capital, equipment purchases, lines of credit, and government contract financing. Additional loan offerings extend to Small Business Administration (SBA) loans, asset-based lending, accounts receivable financing, home equity loans, and consumer loans. Complementing these, it issues business and consumer credit cards, offers merchant services, and provides business insurance. Digital services like online banking, remote deposit, and mobile banking are also available. The company primarily caters to the financial requirements of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees throughout the greater Washington, D.C., and Baltimore metropolitan areas. A network of nine additional branch offices supports its operations, located in Arlington, Manassas, Reston (Fairfax County), and Springfield (Fairfax County) in Virginia; Montgomery County and Baltimore in Maryland; and Washington, D.C. FVCBankcorp, Inc. was established in 2007 and maintains its headquarters in Fairfax, Virginia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 8 100 titres (~150 255,00 $ US)
- Insiders
- Laughlin Scott
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$176,323
Avg sell (VWAP, 90d window) $18.56 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-21
- Last synced
-
2026-08-27 10:00:12
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-24 | Jackson Sharon L. | Sell · S | 1,400 | $18.62 | $26,068 | Form 4 |
| 2026-08-21 | Laughlin Scott | Sell · S | 8,100 | $18.55 | $150,255 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-27 Drivers: fundamentals. Moteurs : fondamentaux.
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.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.07 · operating margin 23% — readings disagree
Market snapshot
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
Change over 5 years
Employee count
Peer market caps
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.