Stocks · Financial Services · Banks - Regional
FVCBankcorp, Inc. FVCB
$17.79 +1.08% Close, Oct 2, 2026 · NASDAQ · Market cap $320.2M
Strong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 34.9% from 22.5% a year earlier.
- The stock is in an uptrend: above its 200-day average for 232 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $1.42, up 27.9% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 7%
- EPS growth (TTM, YoY)Top 39%
- FCF growth (TTM, YoY)Top 22%
- Revenue growth, 3-year CAGRBottom 45%
- Revenue growth accelerationBottom 6%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 46%
- Gross marginBottom 31%
- Operating marginTop 20%
- Cash conversion (OCF / net income)Top 45%
- Accruals (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 40%
- Interest coverBottom 34%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 37%
- Free-cash-flow yieldTop 37%
- EBITDA / enterprise valueTop 30%
- Sales / enterprise valueBottom 43%
- P/E vs own 5-year history (lower is better)Top 40%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 11%
- 6-month returnTop 25%
- 1-year return vs S&P 500Top 13%
- Distance from 52-week highTop 35%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 45%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 23%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 44%
- Maximum drawdown, 3 yearsBottom 35%
- Beta vs S&P 500 (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.5% | -17.3% | ↓ |
| EPS growth (YoY) | 24.3% | 27.9% | ↑ |
| Gross margin | 51.0% | 56.3% | ↑ |
| Operating margin | 22.5% | 34.9% | ↑ |
| FCF margin | 15.7% | 33.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -17.3% | 8.5% | ↓ | Bottom 7% |
| EPS growth (TTM, YoY) | 27.9% | 24.3% | ↑ | Top 39% |
| Gross margin | 56.3% | 51.0% | ↑ | Bottom 31% |
| Operating margin | 34.9% | 22.5% | ↑ | Top 20% |
| Net margin | 27.0% | 17.6% | ↑ | — |
| Free-cash-flow margin | 33.1% | 15.7% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 46% | |
| Revenue growth, 3-year CAGR | 13.5% | — | Bottom 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.23×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +17.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.53×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.41%
- Net buyback yield (TTM)
- 0.82%
- Shareholder yield
- 2.23%
- Share count change, 1 year
- -0.5%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +5.7%
- Average 2-day reaction, last 8
- +1.6%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $19.00
- Target vs current price
- +6.8%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +16.7% | +1.5% | +3.9% | +6.8% | — |
| Apr 21, 2026 | +6.1% | -1.1% | +0.8% | -0.9% | +16.7% |
| Jan 20, 2026 | +0.0% | -1.4% | +4.9% | +13.1% | +7.7% |
| Oct 21, 2025 | +0.0% | +1.2% | +3.5% | +0.8% | +18.4% |
| Jul 22, 2025 | +7.1% | +3.3% | -0.7% | -3.0% | -2.3% |
| Apr 22, 2025 | +16.7% | +5.0% | +12.6% | +18.7% | +33.6% |
| Jan 23, 2025 | +4.0% | +2.3% | +5.8% | +0.3% | -14.1% |
| Oct 22, 2024 | +4.2% | +2.2% | +5.6% | +4.1% | -6.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.42 | $0.36 | +16.7% | $21.3M |
| Apr 21, 2026 | $0.35 | $0.33 | +6.1% | $18.3M |
| Jan 20, 2026 | $0.31 | $0.31 | +0.0% | $17.9M |
| Oct 21, 2025 | $0.31 | $0.31 | +0.0% | $16.6M |
| Jul 22, 2025 | $0.30 | $0.28 | +7.1% | $16.4M |
| Apr 22, 2025 | $0.28 | $0.24 | +16.7% | $14.5M |
| Jan 23, 2025 | $0.26 | $0.25 | +4.0% | $15.4M |
| Oct 22, 2024 | $0.25 | $0.24 | +4.2% | $13.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.5× | 12.7× | 43th | Top 37% |
| P/E (forward) | 11.3× | — | — | — |
| EV / EBITDA | 10.1× | — | — | Top 30% |
| EV / Sales | 3.54× | — | — | Bottom 43% |
| Free-cash-flow yield | 9.89% | — | — | Top 37% |
| Earnings yield | 7.98% | — | — | Top 37% |
P/E over the past five years
Range 8.2× – 60.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.7%
- Earnings per share growth (TTM)
- +27.9%
- Change in P/E multiple
- +11.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 232
- 50-day average slope (20 days)
- +1.1%
- 200-day average slope (20 days)
- +3.3%
- Distance from 50-day average
- -3.0%
- Distance from 200-day average
- +9.3%
- RSI (14)
- 44.6
- Relative volume
- 1.06×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.5%
- Volatility vs own 5-year history
- 20th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -6.5%
- Maximum drawdown, 3 years
- -34.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 21, 2022 | May 11, 2023 | -50.6% | 265 days | 780 days (Jun 23, 2026) |
| Mar 11, 2021 | Mar 23, 2021 | -13.8% | 8 days | 79 days (Jul 15, 2021) |
| Feb 8, 2021 | Feb 26, 2021 | -12.7% | 13 days | 5 days (Mar 5, 2021) |
| Nov 9, 2020 | Nov 12, 2020 | -11.0% | 3 days | 25 days (Dec 18, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $320.2M
- P/E (TTM)
- 12.5
- EPS, diluted (TTM)
- $1.42
- Revenue (TTM)
- $95.6M
- Dividend yield
- 1.46%
- 52-week range
- $11.83 – $19.11
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $71.5M | $83.5M | $91.9M | $111.6M | $122.0M |
| Gross profit | $61.5M | $65.5M | $39.5M | $53.9M | $65.8M |
| Operating income | $28.2M | $31.0M | $4.2M | $22.3M | $28.2M |
| Net income | $21.9M | $25.0M | $3.8M | $15.1M | $22.1M |
| EPS (diluted) | $1.20 | $1.35 | $0.21 | $0.82 | $1.21 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $28.8M | $28.7M | $28.0M | $30.1M | $30.4M | $31.5M | $30.7M | $3.0M |
| Net income | $4.7M | $4.9M | $5.2M | $5.7M | $5.6M | $5.6M | $6.4M | $8.2M |
| EPS (diluted) | $0.25 | $0.27 | $0.28 | $0.31 | $0.31 | $0.31 | $0.35 | $0.45 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $19.4M | $22.4M | $16.3M | $18.2M | $23.9M |
| Capital expenditure | -$485,000 | -$166,000 | -$212,000 | -$141,000 | -$47,000 |
| Free cash flow | $19.0M | $22.2M | $16.1M | $18.1M | $23.8M |
| Dividends paid | $0 | $0 | $0 | $0 | -$2.2M |
| Net share buybacks | $1.2M | $943,000 | $284,000 | $1.7M | -$6.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $12.2M
- Total assets
- $2.37B
- Total liabilities
- $2.10B
- Total debt
- $30.2M
- Net debt
- $17.9M
- Shareholders’ equity
- $265.4M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 27, 2026 | $0.07 | Aug 17, 2026 |
| Apr 27, 2026 | $0.07 | May 18, 2026 |
| Jan 26, 2026 | $0.06 | Feb 17, 2026 |
| Oct 27, 2025 | $0.06 | Nov 17, 2025 |
| Jul 28, 2025 | $0.06 | Aug 18, 2025 |
Short interest
- Shares sold short
- 370,281
- Days to cover
- 5.98
- Change vs previous report
- -1.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 1, 2023
- 5-for-4
- Sep 29, 2017
- 3-for-2
- Jul 1, 2016
- 5-for-4
- May 6, 2015
- 5-for-4