FVCBankcorp, Inc. (FVCB) | Investment Case

1. Company Snapshot

1.a. Company Description

FVCBankcorp, Inc.operates as the holding company for FVCbank that provides various banking products and services in Virginia.It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit.

The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans.In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services.The company serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas.

It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc.was founded in 2007 and is headquartered in Fairfax, Virginia.

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1.b. Last Insights on FVCB

FVCBankcorp, Inc.'s recent performance was negatively impacted by its significant exposure to commercial real estate and dependence on the DC-area economy, particularly federal employment. Despite improved financials, including strong earnings growth and a new dividend, the company's heavy reliance on these sectors poses substantial risks. The bank's sixth consecutive quarter of improved earnings, with a return on average assets of 1.02% in Q2 2025, was overshadowed by these concerns. Additionally, while a $0.06 quarterly cash dividend was declared, its sustainability is subject to regulatory restrictions and the Board's discretion.

1.c. Company Highlights

Last Price	12.95
Change Percentage	-0.77%
Open	13.04
Previous Close	13.05
Market Cap ( Millions)	234
Volume	14606
Year High	14.38
Year Low	9.49
M A 50	12.5
M A 200	12.04

FCF Yield	7.75%
Dividend Yield	0.93%
ROE	2.80%
Debt / Equity	0.00%
Net Debt / EBIDTA	-54.26%
Price To Book	0.1
Price Earnings Ratio	10.97
Price To FCF	12.91
Price To sales	2.67
EV / EBITDA	7.97

2. Transcript Summary

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3. NewsRoom

Morningstar DBRS Assigns Initial Long-Term Issuer Ratings of BBB to FVCbank; FVCBankcorp, Inc. Receives BBB (low) Rating with Stable Outlook

Dec -01

Source: businesswire.com

FVCBankcorp (FVCB) Matches Q3 Earnings Estimates

Oct -21

Source: zacks.com

FVCBankcorp, Inc. Announces 19% Increase in Quarterly Net Income and 61% Increase in Year-To-Date Net Income

Oct -21

Source: businesswire.com

FVCBankcorp, Inc. Announces Quarterly Cash Dividend

Oct -16

Source: businesswire.com

Best Momentum Stocks to Buy for September 11th

Sep -11

Source: zacks.com

Best Momentum Stocks to Buy for August 29th

Aug -29

Source: zacks.com

New Strong Buy Stocks for August 29th

Aug -29

Source: zacks.com

FVCBankcorp: Flying Under The Radar In The Nation's Capital

Aug -02

Source: seekingalpha.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.53%)

6. Segments

Banking and Related Activities

Expected Growth: 7.53%

FVCBankcorp's 7.53% growth in Banking and Related Activities is driven by strategic expansion into new markets, increased commercial lending, and a rise in non-interest income from fee-based services. Additionally, effective cost management and a strong deposit base have contributed to the growth, positioning the bank for continued success.

7. Detailed Products

Commercial Banking

Provides financial solutions to businesses, including cash management, lending, and treasury management services.

Consumer Banking

Offers personal banking services, including checking and savings accounts, credit cards, and personal loans.

Mortgage Banking

Provides residential and commercial mortgage lending services, including purchase and refinance loans.

Wealth Management

Offers investment and wealth management services, including financial planning, investment management, and trust services.

Treasury Management

Provides cash management and treasury services to businesses, including account management, payment processing, and fraud prevention.

Commercial Lending

Offers commercial loan products, including term loans, lines of credit, and construction loans.

8. FVCBankcorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

FVCBankcorp, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and regulatory requirements of the banking industry.

Bargaining Power Of Customers

FVCBankcorp, Inc. has a diverse customer base, and no single customer has significant bargaining power over the company.

Bargaining Power Of Suppliers

FVCBankcorp, Inc. has a diversified supplier base, and no single supplier has significant bargaining power over the company.

Threat Of New Entrants

The banking industry is highly regulated, and new entrants face significant barriers to entry, including high capital requirements and regulatory hurdles.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share, leading to a high intensity of rivalry.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	32.90%
Debt Cost	5.13%
Equity Weight	67.10%
Equity Cost	5.13%
WACC	5.13%
Leverage	49.02%

11. Quality Control: FVCBankcorp, Inc. passed 3 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Tompkins Financial

A-Score: 6.2/10

Value: 6.1

Growth: 4.4

Quality: 6.3

Yield: 8.0

Momentum: 6.0

Volatility: 6.7

1-Year Total Return ->

Ponce Financial Group

A-Score: 5.3/10

Value: 5.3

Growth: 5.0

Quality: 4.3

Yield: 0.0

Momentum: 8.5

Volatility: 8.7

1-Year Total Return ->

FVCBankcorp

A-Score: 5.0/10

Value: 6.9

Growth: 5.3

Quality: 6.8

Yield: 1.0

Momentum: 4.5

Volatility: 5.3

1-Year Total Return ->

Sterling Bancorp

A-Score: 4.9/10

Value: 4.2

Growth: 2.6

Quality: 6.1

Yield: 5.0

Momentum: 6.0

Volatility: 5.7

1-Year Total Return ->

Pathfinder Bancorp

A-Score: 4.3/10

Value: 5.5

Growth: 3.7

Quality: 2.7

Yield: 5.0

Momentum: 2.5

Volatility: 6.7

1-Year Total Return ->

Territorial Bancorp

A-Score: 4.3/10

Value: 9.2

Growth: 0.9

Quality: 6.2

Yield: 3.0

Momentum: 1.5

Volatility: 5.0

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-9.20%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

5.13%

FVCBankcorp, Inc. - US36120Q1013

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on FVCB

1.c. Company Highlights

Lower Yield

More Volatile

Fairly Valued

Earnings Beats

Medium Volatility

Revenues Beats

Weak Momentum

Average Growth

Revenues Miss

Lower Growth

Stable Momentum

Average Quality

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.53%)

6. Segments

Banking and Related Activities

Expected Growth: 7.53%

7. Detailed Products

Commercial Banking

Consumer Banking

Mortgage Banking

Wealth Management

Treasury Management

Commercial Lending

8. FVCBankcorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: FVCBankcorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

12.95$

Current Price

12.95$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA