Freedom Bank of Virginia (FDVA) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of Freedom Bank of Virginia stock $8.79, price $11.66, upside -24.6%, quality 53 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
Good quality?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 25, 2026.
How to read this chart
60‑month range $5.27 – $14.98 · fair‑value band $6.59 – $10.99 · the $11.66 price screens above the $8.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 25, 2026.
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Freedom Financial Holdings, Inc. operates as the bank holding company for The Freedom Bank of Virginia that provides commercial banking, personal banking, and mortgage banking solutions in Vienna, Fairfax, Chantilly, Reston, and Manassas, Virginia.
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The company provides personal and business checking accounts, interest-bearing business savings accounts, money market accounts, personal savings accounts, certificates of deposits, and individual retirement accounts, as well as insured cash sweep and certificate of deposit account registry services.
It also provides business term, personal, and mortgage loans; commercial lines of credit; commercial real estate mortgage and small business lending services; home equity lines; and credit cards.
In addition, the company offers treasury management, online and mobile banking, remote deposit capture, ACH, and wire transfer services; business valuation, bank-at-work, and merchant services; and prestige banking services.
Freedom Financial Holdings, Inc. was incorporated in 2021 and is headquartered in Fairfax, Virginia.
Stock analysis
Freedom Bank of Virginia (FDVA) currently trades at $11.66, while our model-based Fair Value estimate is $8.79, 24.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $8.08 per share, and 1 of the 4 models we run sit above the $11.66 price.
Bear case: the Economic Profit group reads lowest at $6.73, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: $6.59 (bear) to $10.99 (bull), the price of $11.66 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 53/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Freedom Bank of Virginia reported revenue of $32.5M in FY2025 versus $37.1M in FY2021, a compound −3.2%/yr. Reported net income was $375K in FY2025, compounding −56.8%/yr from FY2021.
Key figures
Market cap $82.8M Micro · P/S ratio 3.35 · EPS (TTM) $−0.1400 · Net margin −4.0% · Return on equity −1.2% · Return on assets (EBIT) 0.6% · Operating margin 4.4% · Revenue (TTM) $25.0M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 17 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −25%, FDVA screens cheaper than that median.
Fair Value models
Bear$6.59Fair Value $8.79Bull$10.99
Price $11.66 · Upside -24.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.3%
Start year 2020 (pandemic). Over 10 years: +7.3% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−44.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−44.6%
Dividend (yield on the price)0.0%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+17.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +14.7% a year for the price.
Compare Freedom Bank of Virginia with another stock
Price, fair value, quality and upside side by side.
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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 · 1053 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−24.6% · Below median
Profitability
Return on assets0.0% · Bottom 25%
Net margin (12 months)−4.0% · Bottom 25%
Operating margin (12 months)4.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)8.0% · Below median
Balance sheet
Debt / equity0.71× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Freedom Bank of Virginia Fair Value". https://www.fairvalue-calculator.com/stock/FDVA
Frequently asked questions
Is Freedom Bank of Virginia (FDVA) overvalued or undervalued?
As of Oct 25, 2026, our model estimates a fair value of $8.79 versus a price of $11.66, about −25% upside (overvalued).
What is the fair value of FDVA?
Our model-based fair value for Freedom Bank of Virginia is $8.79 (as of Oct 25, 2026), built from audited fundamentals. The current price: $11.66.
What is the quality score of FDVA?
Freedom Bank of Virginia has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Freedom Bank of Virginia (FDVA)?
Our model-based price target is the fair value of $8.79 (as of Oct 25, 2026) from 4 valuation models. Cautious scenario $6.59, optimistic scenario $10.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Freedom Bank of Virginia stock forecast for 2026?
Our models put fair value at $8.79, about −25% upside versus a price of $11.66 (overvalued). Cautious scenario $6.59, optimistic scenario $10.99. The calculation is refreshed regularly with new filings.
What is the revenue of Freedom Bank of Virginia (FDVA)?
Freedom Bank of Virginia reported trailing-twelve-month revenue of about $25.0M (latest available figure, as of Oct 25, 2026).
What growth is priced into Freedom Bank of Virginia (FDVA)?
For today's price to be fair in a discounted-cash-flow model, Freedom Bank of Virginia would have to grow free cash flow by +17.4 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.3 % per year. As of Oct 25, 2026.
What discount rate (WACC) does the fair value of FDVA use?
Our models discount Freedom Bank of Virginia at 11.2 %: a base by market capitalisation (micro), damped by beta 0.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Freedom Bank of Virginia that is +17.4 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Freedom Bank of Virginia (FDVA) delivered so far?
Over the past 5 years revenue at Freedom Bank of Virginia grew -0.3 % a year. The price currently implies +17.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Freedom Bank of Virginia (FDVA) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Freedom Bank of Virginia (+17.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Freedom Bank of Virginia (FDVA)?
The free-cash-flow yield on the price is 3.59 %: that much free cash flow Freedom Bank of Virginia produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Freedom Bank of Virginia (FDVA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Freedom Bank of Virginia it is $8.79 per share (as of Oct 25, 2026), against a price of $11.66. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Freedom Bank of Virginia stock overvalued or undervalued in 2026?
As of Oct 25, 2026, FDVA trades above its calculated fair value: price $11.66, fair value $8.79, a gap of about −25% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FDVA?
No. The price is what the market pays today ($11.66); the fair value is what the company's own numbers justify ($8.79). For Freedom Bank of Virginia the two are $2.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Freedom Bank of Virginia worth?
The market values Freedom Bank of Virginia at about $82.8M (market capitalisation, as of Oct 25, 2026). Per share that is $11.66; our models calculate a fair value of $8.79 per share.
What do the bullish and bearish scenarios say about FDVA?
Our models span a range for Freedom Bank of Virginia: cautious scenario $6.59, base $8.79, optimistic $10.99 per share (as of Oct 25, 2026, price $11.66). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Freedom Bank of Virginia (FDVA)?
Balance-sheet figures for Freedom Bank of Virginia (as of Oct 25, 2026): return on equity −1.2%, debt of 0.71 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is FDVA from its 52-week high?
Freedom Bank of Virginia trades at $11.66, about 7% below its 52-week high of $12.48 and 4% above the low of $11.20 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of $8.79 is for.
Which stocks are comparable to Freedom Bank of Virginia?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Freedom Bank of Virginia stock attractive at the current price?
The data as of Oct 25, 2026: price $11.66, calculated fair value $8.79 (−25%), Quality Score 53/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FDVA calculated?
We run Freedom Bank of Virginia through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.79, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.5 % above its aggregate fair value. Freedom Bank of Virginia itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Freedom Bank of Virginia (FDVA)?
The closing price on Oct 23, 2026 was $11.66. Our model-based fair value is $8.79, about −25% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Freedom Bank of Virginia right now?
The price sits above even our optimistic bull case ($10.99). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Freedom Bank of Virginia
How large is the market capitalisation of Freedom Bank of Virginia (FDVA)?
The market capitalisation of Freedom Bank of Virginia is $82.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Freedom Bank of Virginia (FDVA)?
The price-to-sales ratio of Freedom Bank of Virginia is 3.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Freedom Bank of Virginia (FDVA)?
Earnings per share at Freedom Bank of Virginia are $−0.1400. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Freedom Bank of Virginia (FDVA)?
The net margin of Freedom Bank of Virginia is −4.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Freedom Bank of Virginia (FDVA)?
The return on equity (ROE) of Freedom Bank of Virginia is −1.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Freedom Bank of Virginia (FDVA)?
On an EBIT basis the return on assets of Freedom Bank of Virginia is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Freedom Bank of Virginia (FDVA)?
The operating margin of Freedom Bank of Virginia is 4.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Freedom Bank of Virginia (FDVA)?
Revenue at Freedom Bank of Virginia is growing +8.0% versus a year earlier (3y avg −4.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Freedom Bank of Virginia (FDVA)?
Earnings per share at Freedom Bank of Virginia are growing −63.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Freedom Bank of Virginia (FDVA) carry?
The net debt of Freedom Bank of Virginia is $56.2M (fiscal year 2024, ≈ 18.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 25, 2026