$15.21
▲ +$0.01
(+0.07%)
Vol 65K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$251.4M
P/E
11.8
ROE
8.8%
Margin
25.4%
D/E
7.50
Beta
0.41
Div Yield
1.73%
52W
$9–$14
Wall Street Consensus
8 analysts · Apr 20262
Strong Buy
4
Buy
2
Hold
0
Sell
0
Strong Sell
75.0%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.32 | $0.31 | $-0.01 |
| Sep 2025 | $0.32 | $0.31 | $-0.01 |
| Jun 2025 | $0.29 | $0.30 | +$0.01 |
| Mar 2025 | $0.24 | $0.28 | +$0.04 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $14.8M | $15.4M | $15.6M | $16.4M | $16.6M | — |
| Net Income | $4.7M | $4.9M | $5.2M | $5.7M | $5.6M | — |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 8.6% | 8.6% | 8.6% | 8.6% | 8.8% | 8.8% |
| P/E (TTM) | 10.41 | 11.51 | 11.41 | 10.81 | 10.78 | 11.80 |
| Net Margin | — | 25.4% | 25.4% | 25.4% | 25.4% | 25.4% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 7.70 | 28.26 | 7.70 | 7.70 | 27.52 | 7.50 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.0%
P/S (TTM)
3.98
P/B
1.0
EPS (TTM)
$1.16
CF/Share
$0.79
Rev Growth 3Y
+6.5%
52W High
$14.35
52W Low
$9.49
$9.49
52-Week Range
$14.35
Financial Health
Free Cash Flow
$7.6M
Net Debt
-$203.3M
Cash
$228.9M
Total Debt
$25.6M
As of Sep 30, 2025
How does FVCB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FVCB valuation vs Banking peers
P/E ratio
11.8
▼
6%
below
peers
(12.6)
vs Peers
vs Industry
Fair value
P/S ratio
4.0
▲
72%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.0
▼
7%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
1.7%
▼
42%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
FVCB profitability vs Banking peers
ROE
8.8%
▼
2%
below
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
25.4%
▼
11%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▲
0%
above
peers
(1.0%)
vs Peers
vs Industry
In line
FVCB financial health vs Banking peers
D/E ratio
7.5
▼
46%
below
peers
(13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.4
▼
41%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
FVCB fundamentals radar
FVCB
Peer median
Industry
FVCB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FVCB vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
FERRICK PATRICIA A
President · Mar 25
19212 shs
WILLS PHILLIP R III
Director · Mar 17
11462 shs
NASSY MICHAEL G
Officer · Mar 02
3100 shs
SCHWARTZ LAWRENCE W
Director · Feb 26
21483 shs
SCHWARTZ LAWRENCE W
Director · Feb 26
21483 shs
SCHWARTZ LAWRENCE W
Director · Feb 26
21483 shs
JACKSON SHARON L
Officer · Feb 25
1000 shs
WILLS PHILLIP R III
Director · Feb 25
15000 shs
NASSY MICHAEL G
Officer · Feb 13
11718 shs
Last 90 days
Top Holders
Top 5: 47.29%Endeavour Capital Advisors …
11.76%
$19.5M
Fourthstone LLC
9.82%
$16.3M
Alliancebernstein L.P.
9.11%
$15.1M
Blackrock Inc.
8.78%
$14.5M
Vanguard Group Inc
7.82%
$12.9M
As of Dec 31, 2025
Dividends
$0.18
/ year
Jan 26, 2026
$0.0600
Oct 27, 2025
$0.0600
Jul 28, 2025
$0.0600
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