FVCBankcorp Inc. Common Stock (FVCB)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

FVCBankcorp is a $315 million market-cap regional bank with 135 employees, lending to small and medium businesses, professionals and nonprofits. Relationship banking can be sticky, but this is not a wide-moat franchise; community banks compete on price, service and local credit knowledge. The filed record shows improving profitability: in fiscal year 2023, the year ended 2023-12-31, net income was $3.8 million and diluted EPS was $0.21; in fiscal year 2024, the year ended 2024-12-31, net income was $15.1 million and EPS was $0.82; in fiscal year 2025, the year ended 2025-12-31, net income was $22.1 million and EPS was $1.21. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $8.2 million and diluted EPS was $0.45, versus $5.7 million and $0.31 in fiscal Q2 2025, the quarter ended 2025-06-30. At the 2026-10-13 close of $17.49, FairStock calculates a P/E of 12.23, P/B of 1.18 and ROE of 10.14%. A 10% return on equity with a slight premium to book is approximately fair, not a bargain. The PEG of 0.27 looks alluring, but the Lynch category is SLOW GROWER because profit grew only 7.3% a year over five years; I would not extrapolate the recent surge. Piotroski is 6/9 and the FairStock Score is 59/100. The key bank measures — CET1, net interest margin, nonperforming loans, reserves and efficiency ratio — are absent. So this is a reasonably priced, low-beta small bank with improving recent earnings, but no obvious margin of safety without evidence of sound credit and capital.

In plain English: FVCBankcorp is a small regional bank that lends to businesses, professionals, and nonprofits. Profits have grown quickly in recent years, and the stock price looks reasonable compared with those profits and the company's accounting value. But it has not been a fast grower over the long run, and important banking safety details are not shown in the data, so it looks more fair than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K/A (period ended 2025-12-31) · FY2024 10-K/A (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer