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Upturn AI SWOT - About
FVCB 
FVCBankcorp Inc (FVCB)
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Upturn Advisory Summary
06/30/2025: FVCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $13
1 Year Target Price $13
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.6% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 211.40M USD | Price to earnings Ratio 11.41 | 1Y Target Price 13 |
Price to earnings Ratio 11.41 | 1Y Target Price 13 | ||
Volume (30-day avg) 1 | Beta 0.36 | 52 Weeks Range 9.49 - 14.50 | Updated Date 06/30/2025 |
52 Weeks Range 9.49 - 14.50 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.25% | Operating Margin (TTM) 43.52% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 8.16% |
Valuation
Trailing PE 11.41 | Forward PE 12.38 | Enterprise Value 163450448 | Price to Sales(TTM) 3.5 |
Enterprise Value 163450448 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 4.27 | Enterprise Value to EBITDA - | Shares Outstanding 17991500 | Shares Floating 12111717 |
Shares Outstanding 17991500 | Shares Floating 12111717 | ||
Percent Insiders 14.89 | Percent Institutions 50.45 |
Analyst Ratings
Rating 1 | Target Price 13 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
FVCBankcorp Inc
Company Overview
History and Background
FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia. It serves the banking needs of businesses, professionals, and individuals in the Mid-Atlantic region. The bank has grown organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate financing, business term loans, and lines of credit.
- Retail Banking: Offers deposit accounts, residential mortgage loans, and other banking services to individuals and families.
- Wealth Management: Provides wealth management and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
David W. Pijor serves as Chairman and CEO. The company operates with a traditional corporate structure, including a board of directors and executive management team overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Difficult to ascertain precise market share, but FVCBankcorp competes with larger national and regional banks, credit unions, and specialty lenders. Competitors include Bank of America, Wells Fargo, and M&T Bank.
- Business Term Loans: Offers term loans to small and medium-sized businesses. Again, specific market share is hard to pinpoint. Competitors include Capital One, Truist, and numerous community banks.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share is fragmented among numerous banks and credit unions. Competitors include Chase, PNC, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing a dynamic environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations related to digital banking. Consolidation is ongoing within the industry, and competition is fierce.
Positioning
FVCBankcorp positions itself as a community-focused bank providing personalized service to businesses and individuals. They focus on building relationships and providing tailored financial solutions.
Total Addressable Market (TAM)
The total addressable market for community banking in the Mid-Atlantic region is substantial, estimated at hundreds of billions of dollars. FVCBankcorp aims to increase its market share by focusing on underserved segments and providing superior customer service.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Strong customer relationships
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher cost of funds than larger competitors
Opportunities
- Expansion into new markets
- Increased demand for commercial lending
- Growth in wealth management services
- Adoption of digital banking technologies
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- ALLY
- BOH
- HBAN
Competitive Landscape
FVCBankcorp's advantages include its local focus, personalized service, and strong customer relationships. Disadvantages include its smaller scale and limited geographic diversification compared to larger competitors.
Major Acquisitions
Potomac Bancshares, Inc.
- Year: 2016
- Acquisition Price (USD millions): 29.7
- Strategic Rationale: Expanded market presence in Northern Virginia.
Growth Trajectory and Initiatives
Historical Growth: Review past annual reports for FVCBankcorp's historical growth trends, including loan growth, deposit growth, and profitability.
Future Projections: Refer to analyst reports and company presentations for future growth projections based on analyst estimates.
Recent Initiatives: Review recent press releases and SEC filings for strategic initiatives undertaken by FVCBankcorp.
Summary
FVCBankcorp shows promise with its customer-focused approach and strong regional presence. Their limited size and dependence on the local economy poses challenges, but expansion opportunities exist. Monitoring interest rate sensitivity and competition is crucial for sustaining growth. FVCBankcorp has the potential for continued growth within its market segment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Third-party financial data providers
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be made in consultation with a qualified financial advisor. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FVCBankcorp Inc
Exchange NASDAQ | Headquaters Fairfax, VA, United States | ||
IPO Launch date 2013-11-07 | Founder, CEO & Chairman Mr. David W. Pijor Esq. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 110 | Website https://www.fvcbank.com |
Full time employees 110 | Website https://www.fvcbank.com | ||
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. It provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. The company also 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, it provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. The company was founded in 2007 and is headquartered in Fairfax, Virginia.
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