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FVCBankcorp Inc(FVCB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FVCB
09/17/2026: FVCB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
FVCBankcorp Inc is a regional bank holding company centered in the Northern Virginia area, specializing in commercial and retail banking services for small to mid-sized businesses. Its core strength lies in its deep, relationship-based approach within an affluent economic corridor, which has supported steady growth. While the bank benefits from its niche market focus, it faces inherent risks due to geographic concentration and competition from much larger, well-capitalized institutions. Investors should monitor asset quality in its real estate loan portfolio and the impact of interest rate cycles on net interest margins. It is primarily suited for value-oriented investors who understand the cyclical nature of regional banking.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential tied to its specific regional footprint rather than aggressive national scaling. |
| Momentum investor | Weak fit | Bank stocks generally rely more on macroeconomic cycles than rapid price momentum signals. |
| Value investor | Strong fit | FVCB is often evaluated based on price-to-book and price-to-earnings multiples common to regional banking analysis. |
| Dividend investor | Mixed fit | Dividend consistency is secondary to capital retention for growth at this stage of the company's lifecycle. |
| Low-risk investor | Mixed fit | Regional banks carry inherent market and interest rate risks that may exceed the tolerance of extremely conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can experience volatility based on interest rate announcements and economic sentiment. |
| Valuation risk | Medium | Valuations are highly dependent on the net interest margin and asset quality projections. |
| Competition risk (Regional Banking) | High | FVCB competes with much larger institutions that have greater marketing and technology resources. |
| Business quality | Medium | The business relies heavily on the economic health of a specific geographic region. |
| Dividend income | Medium | Dividend payouts are subject to earnings performance and capital adequacy requirements. |
| Execution risk | Medium | Management must effectively balance loan growth with credit quality in a competitive market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -0.5% | Avg. Invested days 44 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 326.06M USD | Price to earnings Ratio 12.91 | 1Y Target Price 19.38 |
Price to earnings Ratio 12.91 | 1Y Target Price 19.38 | ||
Volume (30-day avg) 65.1K shares | Beta 0.32 | 52 Weeks Range 11.68 - 19.11 | Updated Date 09/17/2026 |
52 Weeks Range 11.68 - 19.11 | Updated Date 09/17/2026 | ||
Dividends yield (FY) 1.40% | Basic EPS (TTM) 1.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | This is the primary way the bank makes money by lending at higher rates than it pays to savers. |
| Non-Interest Income | Service fees, treasury management fees, and other banking related charges. | These are fees collected for various banking services that provide a secondary revenue stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.91 | Forward PE 12.38 | Enterprise Value 105.23M | Price to Sales(TTM) 4.48 |
Enterprise Value 105.23M | Price to Sales(TTM) 4.48 | ||
Enterprise Value to Revenue 5.03 | Enterprise Value to EBITDA - | Shares Outstanding 18.03M | Shares Floating 15.23M |
Shares Outstanding 18.03M | Shares Floating 15.23M | ||
Percent Insiders 16.38 | Percent Institutions 54.36 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About FVCBankcorp Inc
Exchange NASDAQ | Headquarters 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 135 | Website https://www.fvcbank.com |
Full time employees 135 | 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. 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.
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