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Upturn AI SWOT - About
FVCB 
FVCBankcorp Inc (FVCB)
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Upturn Advisory Summary
11/07/2025: FVCB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $15
1 Year Target Price $15
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.95% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 222.31M USD | Price to earnings Ratio 10.51 | 1Y Target Price 15 |
Price to earnings Ratio 10.51 | 1Y Target Price 15 | ||
Volume (30-day avg) 1 | Beta 0.42 | 52 Weeks Range 9.40 - 14.37 | Updated Date 11/9/2025 |
52 Weeks Range 9.40 - 14.37 | Updated Date 11/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.31 | Actual 0.31 |
Profitability
Profit Margin 33.17% | Operating Margin (TTM) 43.25% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8.87% |
Valuation
Trailing PE 10.51 | Forward PE 12.38 | Enterprise Value 62127224 | Price to Sales(TTM) 3.46 |
Enterprise Value 62127224 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 18074327 | Shares Floating 13801195 |
Shares Outstanding 18074327 | Shares Floating 13801195 | ||
Percent Insiders 15.01 | Percent Institutions 48.96 |
Upturn AI SWOT
FVCBankcorp Inc
Company Overview
History and Background
FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia. It serves as the bank holding company for FVCbank, a community bank serving the Washington D.C. metropolitan area.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including loans, deposits, and treasury management for businesses.
- Retail Banking: Provides traditional retail banking services, such as checking and savings accounts, mortgages, and personal loans.
- Mortgage Banking: Originates and sells residential mortgage loans.
Leadership and Structure
David W. Pijor serves as Chairman and CEO. The company has a standard corporate structure with executive leadership overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: FVCbank offers commercial real estate loans. Specific market share data is difficult to obtain for a single bank in a large market. Competitors include larger national and regional banks such as Bank of America (BAC), Wells Fargo (WFC) and Truist Financial Corporation (TFC).
- Commercial and Industrial Loans: FVCbank provides loans to businesses for working capital, equipment, and expansion. Specific market share is unavailable, competitors are the same as above.
- Mortgage Loans: FVCBank provides residential mortgage loans. Competing with national and regional lenders.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. The regional banking sector is especially sensitive to interest rate risk and deposit flows.
Positioning
FVCBankcorp Inc. positions itself as a community bank focused on serving the Washington D.C. metropolitan area. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Washington D.C. metropolitan area is estimated to be in the billions of dollars. FVCBankcorp Inc. is positioned to capture a portion of this market by focusing on local businesses and residents.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on relationship banking
- Sound asset quality
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Reliance on the Washington D.C. market
Opportunities
- Expansion within the Washington D.C. area
- Increased lending to underserved markets
- Adoption of new technologies to improve efficiency
Threats
- Increased competition from larger banks
- Economic downturn in the Washington D.C. area
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- TFC
- C
- USB
Competitive Landscape
FVCBankcorp Inc. competes with larger national and regional banks, as well as other community banks. Its advantages include local market knowledge and personalized service. Its disadvantages include smaller size and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be assessed by examining the company's revenue, earnings, and asset growth over the past several years. Real-time data is unavailable.
Future Projections: Future growth projections would depend on analyst estimates, which are not available here. These estimates would consider factors such as economic conditions, industry trends, and company-specific initiatives.
Recent Initiatives: Recent strategic initiatives would include any acquisitions, new product launches, or expansions into new markets. Real-time data is unavailable.
Summary
FVCBankcorp Inc. is a community bank with a strong local presence in the Washington D.C. metropolitan area. It benefits from an experienced management team and a focus on relationship banking. However, it faces challenges from larger competitors and economic risks. Strategic initiatives aimed at expanding its market reach and enhancing efficiency will be crucial for its future success.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximate 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 118 | Website https://www.fvcbank.com |
Full time employees 118 | 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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