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FVCB 
FVCBankcorp Inc (FVCB)
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Upturn Advisory Summary
11/28/2025: 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 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 229.73M USD | Price to earnings Ratio 10.86 | 1Y Target Price 15 |
Price to earnings Ratio 10.86 | 1Y Target Price 15 | ||
Volume (30-day avg) 1 | Beta 0.42 | 52 Weeks Range 9.40 - 14.33 | Updated Date 11/30/2025 |
52 Weeks Range 9.40 - 14.33 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 0.94% | Basic EPS (TTM) 1.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.17% | Operating Margin (TTM) 44.86% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8.87% |
Valuation
Trailing PE 10.86 | Forward PE 12.38 | Enterprise Value 76420888 | Price to Sales(TTM) 3.58 |
Enterprise Value 76420888 | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 3.99 | Enterprise Value to EBITDA - | Shares Outstanding 18074814 | Shares Floating 12904513 |
Shares Outstanding 18074814 | Shares Floating 12904513 | ||
Percent Insiders 15 | Percent Institutions 50.53 |
Upturn AI SWOT
FVCBankcorp Inc
Company Overview
History and Background
FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia. It operates as the holding company for FVCbank. The bank primarily serves the Washington D.C. metropolitan area, providing a range of banking services to businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a variety of loan products, including commercial real estate, business loans, and lines of credit. Deposit accounts for businesses and professionals are also offered.
- Retail Banking: Provides deposit accounts, mortgage lending, and other financial services to individuals.
Leadership and Structure
David W. Pijor serves as Chairman and CEO. The company has a board of directors and a management team overseeing various departments, including lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: FVCbank provides financing for commercial properties. Market share data is difficult to pinpoint precisely, but regional banks like FVCbank compete with larger national banks and credit unions. Competitors include Bank of America, Wells Fargo, and local community banks.
- Business Loans: Offers loans to small and medium-sized businesses for working capital, equipment purchases, and expansion. Market share information is diffuse due to the fragmented nature of the small business lending market. Competitors include PNC, M&T Bank, and online lenders like LendingClub.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Increased competition from fintech companies is also a factor.
Positioning
FVCBankcorp is positioned as a community-focused bank catering to businesses and individuals in the Washington D.C. metropolitan area. Its competitive advantage lies in its local presence 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 is positioned to capture a segment of this TAM through its local focus and relationship-based banking approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Focus on commercial lending
- Strong customer relationships
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Reliance on commercial real estate lending
Opportunities
- Expansion within the Washington D.C. metropolitan area
- Increased demand for commercial loans
- Development of new products and services
- Strategic acquisitions of smaller banks or fintech companies
Threats
- Increased competition from larger banks and credit unions
- Economic downturn affecting loan demand
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- PNC Financial Services Group (PNC)
- M&T Bank (MTB)
Competitive Landscape
FVCBankcorp's advantage lies in its local focus and personalized service, while its disadvantage is its smaller size and limited geographic reach compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on factors like loan portfolio expansion and deposit growth. Review annual reports to extract quantifiable growth rates.
Future Projections: Analyst estimates regarding revenue and EPS growth would depend on economic forecasts and banking conditions.
Recent Initiatives: Monitor company press releases and SEC filings to identify recent strategic initiatives.
Summary
FVCBankcorp is a community-focused bank with a strong presence in the Washington D.C. metropolitan area. Its focus on commercial lending and local relationships are key strengths. However, it faces competition from larger banks and the risk of economic downturns. The bank needs to look out for market and interest rates that could slow growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data and estimates are approximate.
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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