FVCBankcorp, Inc. (FVCB) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.38
↓-45% vs avg
5yr avg: 20.61
30Y Low3.5·High64.7
P/FCF
↓
12.65
-6% vs avg
5yr avg: 13.47
30Y Low10.6·High55.3
P/B Ratio
↓
1.21
+2% vs avg
5yr avg: 1.19
30Y Low1.0·High2.1
ROE
↓
9.0%
↓+11% vs avg
5yr avg: 8.1%
30Y Low2%·High12%
Debt/EBITDA
↓
0.89
↓-89% vs avg
5yr avg: 7.81
30Y Low0.9·High23.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FVCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
FVCBankcorp, Inc. trades at 13.9x earnings, 42% below its 5-year average of 23.8x, sitting at the 31st percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.9x. On a free-cash-flow basis, the stock trades at 12.7x P/FCF, 6% below the 5-year average of 13.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $302M | $254M | $231M | $259M | $282M | $287M | $208M | $259M | $226M | $202M | $147M |
| Enterprise Value | $321M | $274M | $217M | $312M | $495M | $102M | $148M | $289M | $207M | $204M | $189M |
| P/E Ratio → | 13.88 | 11.50 | 15.33 | 67.62 | 11.30 | 13.12 | 13.36 | 16.45 | 20.72 | 26.45 | 21.08 |
| P/S Ratio | 2.47 | 2.08 | 2.07 | 2.82 | 3.38 | 4.01 | 3.02 | 3.79 | 4.27 | 4.73 | 4.41 |
| P/B Ratio | 1.21 | 1.00 | 0.98 | 1.19 | 1.39 | 1.37 | 1.10 | 1.45 | 1.43 | 2.06 | 1.84 |
| P/FCF | 12.65 | 10.65 | 12.78 | 16.12 | 12.69 | 15.13 | 14.32 | 13.55 | 17.93 | 20.25 | 16.06 |
| P/OCF | 12.65 | 10.65 | 12.68 | 15.91 | 12.60 | 14.75 | 13.98 | 13.34 | 16.93 | 19.28 | 15.58 |
P/E links to full P/E history page with 30-year chart
FVCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
FVCBankcorp, Inc.'s enterprise value stands at 11.4x EBITDA, 45% below its 5-year average of 20.6x. This is roughly in line with the Financial Services sector median of 11.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.24 | 1.94 | 3.40 | 5.93 | 1.42 | 2.15 | 4.23 | 3.91 | 4.77 | 5.69 |
| EV / EBITDA | 11.38 | 9.68 | 9.53 | 64.68 | 15.64 | 3.49 | 7.17 | 13.74 | 15.07 | 13.52 | 17.14 |
| EV / EBIT | 11.38 | 9.68 | 9.72 | 73.78 | 15.99 | 3.60 | 7.52 | 14.45 | 15.77 | 14.04 | 18.03 |
| EV / FCF | — | 11.47 | 11.97 | 19.44 | 22.29 | 5.36 | 10.19 | 15.12 | 16.41 | 20.42 | 20.72 |
FVCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
FVCBankcorp, Inc. earns an operating margin of 23.1%, above the Financial Services sector average of 20.2%. Operating margins have expanded from 4.6% to 23.1% over the past 3 years, signaling improving operational efficiency. ROE of 9.0% is modest, trailing the sector median of 9.0%. ROIC of 7.2% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.9% | 53.9% | 48.3% | 43.0% | 78.4% | 86.0% | 71.7% | 70.2% | 73.5% | 78.0% | 79.4% |
| Operating Margin | 23.1% | 23.1% | 20.0% | 4.6% | 37.1% | 39.5% | 28.5% | 29.3% | 24.8% | 34.0% | 31.6% |
| Net Profit Margin | 18.1% | 18.1% | 13.5% | 4.2% | 29.9% | 30.7% | 22.5% | 23.2% | 20.5% | 18.0% | 20.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.0% | 9.0% | 6.7% | 1.8% | 12.1% | 11.0% | 8.4% | 9.4% | 8.5% | 8.6% | 9.1% |
| ROA | 1.0% | 1.0% | 0.7% | 0.2% | 1.1% | 1.1% | 0.9% | 1.1% | 0.9% | 0.8% | 0.8% |
| ROIC | 7.2% | 7.2% | 5.2% | 0.8% | 6.1% | 7.9% | 5.7% | 7.1% | 6.4% | 8.6% | 5.7% |
| ROCE | 3.9% | 3.9% | 8.5% | 1.8% | 13.1% | 11.6% | 8.5% | 10.0% | 8.6% | 12.8% | 11.9% |
FVCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
FVCBankcorp, Inc. carries a Debt/EBITDA ratio of 0.9x, which is very conservative (79% below the sector average of 4.3x). Net debt stands at $20M ($25M total debt minus $6M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.10 | 0.32 | 0.52 | 1.46 | 0.27 | 0.43 | 0.35 | 0.15 | 0.25 | 0.64 |
| Debt / EBITDA | 0.89 | 0.89 | 3.36 | 23.59 | 9.31 | 1.91 | 3.94 | 3.00 | 1.78 | 1.61 | 4.64 |
| Net Debt / Equity | — | 0.08 | -0.06 | 0.25 | 1.05 | -0.88 | -0.32 | 0.17 | -0.12 | 0.02 | 0.53 |
| Net Debt / EBITDA | 0.69 | 0.69 | -0.64 | 11.05 | 6.74 | -6.38 | -2.90 | 1.43 | -1.39 | 0.12 | 3.85 |
| Debt / FCF | — | 0.82 | -0.81 | 3.32 | 9.60 | -9.78 | -4.12 | 1.57 | -1.52 | 0.18 | 4.66 |
| Interest Coverage | 0.52 | 0.52 | 0.39 | 0.08 | 2.01 | 2.69 | 1.36 | 1.07 | 1.08 | 1.77 | 1.95 |
FVCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.14x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.14 | 0.13 | 0.18 | 0.31 | 0.18 | 0.14 | 0.15 | 0.15 | 0.15 |
| Quick Ratio | 0.14 | 0.14 | 0.14 | 0.13 | 0.18 | 0.31 | 0.18 | 0.14 | 0.15 | 0.15 | 0.15 |
| Cash Ratio | 0.01 | 0.01 | 0.05 | 0.03 | 0.04 | 0.12 | 0.09 | 0.03 | 0.04 | 0.02 | 0.01 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FVCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
FVCBankcorp, Inc. returns 2.9% to shareholders annually — split between a 0.7% dividend yield and 2.2% buyback yield. The payout ratio of 9.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 9.8% | 9.8% | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.2% | 8.7% | 6.5% | 1.5% | 8.8% | 7.6% | 7.5% | 6.1% | 4.8% | 3.8% | 4.7% |
| FCF Yield | 7.9% | 9.4% | 7.8% | 6.2% | 7.9% | 6.6% | 7.0% | 7.4% | 5.6% | 4.9% | 6.2% |
| Buyback Yield | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $18M | $18M | $18M | $18M | $18M | $18M | $19M | $16M | $14M | $14M |
Peer Comparison
Compare FVCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FVCBYou | $302M | 13.9 | 11.4 | 12.7 | 53.9% | 23.1% | 9.0% | 7.2% | 0.9 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CHMG | $349M | 23.2 | 14.6 | 7.9 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 BSVN | $446M | 10.3 | 3.5 | 10.8 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 PBFS | $423M | 22.2 | 9.2 | 13.1 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JKHY | $9B | 20.5 | 11.9 | 15.8 | 42.7% | 23.9% | 21.4% | 21.0% | — |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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Run the NumbersIs FVCB Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowFVCB — Frequently Asked Questions
Quick answers to the most common questions about buying FVCB stock.
What is FVCBankcorp, Inc.'s P/E ratio?
FVCBankcorp, Inc.'s current P/E ratio is 13.9x. The historical average is 23.0x. This places it at the 31th percentile of its historical range.
What is FVCBankcorp, Inc.'s EV/EBITDA?
FVCBankcorp, Inc.'s current EV/EBITDA is 11.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.5x.
What is FVCBankcorp, Inc.'s ROE?
FVCBankcorp, Inc.'s return on equity (ROE) is 9.0%. The historical average is 7.6%.
Is FVCB stock overvalued?
Based on historical data, FVCBankcorp, Inc. is trading at a P/E of 13.9x. This is at the 31th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is FVCBankcorp, Inc.'s dividend yield?
FVCBankcorp, Inc.'s current dividend yield is 0.71% with a payout ratio of 9.8%.
What are FVCBankcorp, Inc.'s profit margins?
FVCBankcorp, Inc. has 53.9% gross margin and 23.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does FVCBankcorp, Inc. have?
FVCBankcorp, Inc.'s Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.