FVCBankcorp Inc (FVCB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of FVCBankcorp Inc stock $12.42, price $16.25, that is 23.6% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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FVCBankcorp Inc
FVCB · USOur calculation puts a fair price 24% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $8.34 – $19.03 · fair‑value band $11.58 – $14.22 · the $16.25 price screens above the $12.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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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.
Stock analysis
FVCBankcorp Inc (FVCB) currently trades at $16.25, while our model-based Fair Value estimate is $12.42, 24% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $17.51 per share, and 1 of the 6 models we run sit above the $16.25 price.
Bear case: the Dividend Discount group reads lowest at $1.87, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $11.58 (bear) to $14.22 (bull), the price of $16.25 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FVCBankcorp Inc reported revenue of $122M in FY2025 versus $71.5M in FY2021, a compound +14.3%/yr. Reported net income was $22.1M in FY2025, compounding +0.1%/yr from FY2021.
Key figures
Market cap $295M Micro · P/E ratio 11.0 · P/S ratio 3.95 · EPS (TTM) $1.48 · Dividend yield 1.7% · Net margin 36.0% · Return on equity 10.4% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, FVCB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors sold shares worth $176,323 and none bought.
- SaleSharon L. JacksonEVP, Chief Banking Officer3× since Feb 25, 2026: 3,900 shares, avg. $16.67$65,018Aug 24, 2026
- SaleScott LaughlinDirector8,100 shares at $18.55$150,255Aug 21, 2026
- SalePhillip R. Wills IIIDirector2× since Feb 24, 2026: 26,462 shares, avg. $15.17$401,544Mar 17, 2026
- SaleMichael G. NassySr EVP, Chief Credit Officer2× since Nov 19, 2025: 4,100 shares, avg. $14.75$60,466Mar 2, 2026
- SaleLawrence W SchwartzDirector21,483 shares at $15.66$336,424Feb 26, 2026
Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FVCB screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →
Earlier news
- FVCBankcorp (FVCB) Lags Q3 Earnings and Revenue Estimates
- FVCBankcorp raises quarterly dividend by 16.7% to $0.07/share
- FVCBankcorp, Inc. Profit Rises In Q3
Compare FVCBankcorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FVCB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FVCB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FVCB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FVCB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FVCB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FVCB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs FVCB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FVCB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FVCB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FVCB |
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Key figures of FVCBankcorp Inc
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