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Upturn stock ratingUpturn stock rating
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FVCBankcorp Inc (FVCB)

Upturn stock ratingUpturn stock rating
$13.12
Last Close (24-hour delay)
Profit since last BUY8%
upturn advisory
SELL
SELL since 5 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/14/2025: FVCB (1-star) is a SELL. SELL since 5 days. Profits (8.00%). Updated daily EoD!

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $15.12

1 Year Target Price $15.12

Analysts Price Target For last 52 week
$15.12 Target price
52w Low $9.45
Current$13.12
52w High $14.43

Analysis of Past Performance

Type Stock
Historic Profit -14.94%
Avg. Invested days 33
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 236.41M USD
Price to earnings Ratio 11.82
1Y Target Price 15.12
Price to earnings Ratio 11.82
1Y Target Price 15.12
Volume (30-day avg) 1
Beta 0.4
52 Weeks Range 9.45 - 14.43
Updated Date 08/15/2025
52 Weeks Range 9.45 - 14.43
Updated Date 08/15/2025
Dividends yield (FY) -
Basic EPS (TTM) 1.11

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-23
When Before Market
Estimate 0.26
Actual 0.3

Profitability

Profit Margin 32.5%
Operating Margin (TTM) 43.42%

Management Effectiveness

Return on Assets (TTM) 0.9%
Return on Equity (TTM) 8.69%

Valuation

Trailing PE 11.82
Forward PE 12.38
Enterprise Value 170002960
Price to Sales(TTM) 3.77
Enterprise Value 170002960
Price to Sales(TTM) 3.77
Enterprise Value to Revenue 4.3
Enterprise Value to EBITDA -
Shares Outstanding 18019200
Shares Floating 12106743
Shares Outstanding 18019200
Shares Floating 12106743
Percent Insiders 15.05
Percent Institutions 50.35

ai summary icon Upturn AI SWOT

FVCBankcorp Inc

stock logo

Company Overview

overview logo History and Background

FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia. It operates as the bank holding company for FVCbank, providing commercial banking services to businesses and individuals in the Washington D.C. metropolitan area.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, real estate loans, and lines of credit to businesses of various sizes.
  • Retail Banking: Provides retail banking services such as checking accounts, savings accounts, and personal loans to individuals.
  • Mortgage Banking: Offers mortgage lending services.

leadership logo Leadership and Structure

David W. Pijor serves as the Chairman and CEO. The company operates with a traditional banking organizational structure, with various departments reporting to senior management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans are offered to small and medium-sized businesses and large corporations. Market share data is unavailable as the industry is highly competitive and has many players. Competitors include Truist Financial (TFC), Bank of America (BAC) and Wells Fargo (WFC). Revenue generated from commercial loans constitutes the largest portion of revenue but specific data is unavailable.
  • Commercial Real Estate Loans: Commercial real estate loans are for properties within the Washington DC Metropolitan area. Market share data is unavailable as the industry is highly competitive and has many players. Competitors include Truist Financial (TFC), Bank of America (BAC) and Wells Fargo (WFC). Revenue generated from these loans constitute a large portion of revenue but specific data is unavailable.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges such as rising interest rates, increased competition, and regulatory scrutiny. The industry is also seeing increased technological innovation.

Positioning

FVCBankcorp Inc. focuses on serving businesses and individuals in the Washington D.C. metropolitan area. Their competitive advantage lies in their 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 a smaller regional player. The TAM is not publicly available.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Personalized customer service
  • Experienced management team
  • Solid asset quality

Weaknesses

  • Limited geographic reach
  • Smaller size compared to larger national banks
  • Dependence on the Washington D.C. metropolitan area economy
  • Smaller loan book

Opportunities

  • Expansion into new markets within the Mid-Atlantic region
  • Increased adoption of digital banking services
  • Potential acquisitions of smaller community banks
  • Growing the SBA lending portfolio

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn in the Washington D.C. metropolitan area
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • Truist Financial (TFC)
  • Bank of America (BAC)
  • Wells Fargo (WFC)

Competitive Landscape

FVCBankcorp competes with larger national banks and other regional and community banks. Its advantages include its local market knowledge and personalized service. Disadvantages are its smaller size and limited geographic reach.

Major Acquisitions

Potomac Bancshares, Inc.

  • Year: 2016
  • Acquisition Price (USD millions): 43.2
  • Strategic Rationale: Expanded FVCbank's presence in Northern Virginia.

Growth Trajectory and Initiatives

Historical Growth: The company has historically grown through organic loan growth and strategic acquisitions.

Future Projections: Future growth is projected to come from continued expansion in the Mid-Atlantic region and increased adoption of digital banking services. Consult Analyst data.

Recent Initiatives: Recent initiatives include investments in technology and expansion of the SBA lending program.

Summary

FVCBankcorp demonstrates steady performance with its focus on the Washington D.C. metropolitan area, but faces strong competition from larger banks. While its local market expertise is a valuable strength, its limited geographic reach presents a constraint. Expansion strategies and technological advancements are essential for maintaining growth and competitiveness. Potential economic downturns and regulatory shifts also need close monitoring.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry databases
  • SEC Filings

Disclaimers:

The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on available industry information and estimates.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 110

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.