Fvcbankcorp (FVCB) Stock Price, News & Analysis

Company Overview

Fvcbankcorp is a bank holding company headquartered in Warrenton, Virginia, operating through its wholly owned subsidiary, The Fauquier Bank. The company traces its origins to The Fauquier Bank, which was chartered in 2007 to serve local businesses and individuals in Northern Virginia. Fvcbankcorp provides strategic oversight and support to its community banking operations, guiding growth initiatives and ensuring regulatory compliance across its branch network.

The Fauquier Bank offers a comprehensive range of commercial and retail banking products and services. Commercial clients can access business checking and savings accounts, equipment financing, construction and development loans, Small Business Administration (SBA) lending solutions, and treasury management services. On the retail side, the bank provides personal checking and savings accounts, money market and certificate of deposit products, residential real estate lending, home equity lines of credit, and online and mobile banking platforms designed to simplify account management and payments.

Fvcbankcorp’s branch network spans key markets in Northern and Central Virginia, including Fauquier, Prince William, Loudoun, Fairfax, and Charlottesville. The company focuses on building long-term relationships with small to mid-sized businesses, professionals, municipal entities, and individual consumers within its service areas. By maintaining a community-oriented approach, Fvcbankcorp emphasizes local decision-making and personalized service, allowing its officers to respond quickly to customer needs.

Underpinning Fvcbankcorp’s operations is a commitment to the communities it serves, with outreach programs and sponsorships aimed at supporting local economic development and charitable initiatives. The company’s leadership team, comprised of experienced banking executives with deep ties to the Mid-Atlantic region, works to balance prudent financial management with targeted growth strategies, positioning Fvcbankcorp to continue its role as a community-focused financial institution.

Key Stats

• Today's Range: $15.33 to $15.55
• 50-Day Range: $14.47 to $15.86
• 52-Week Range: $11.13 to $18.41
• Volume: 96,814 shs
• Average Volume: 183,593 shs
• Market Capitalization: $276.66 million
• P/E Ratio: 12.01
• Dividend Yield: 1.82%
• Price Target: $19.00
• Consensus Rating: Moderate Buy

Fvcbankcorp Stock Analysis - MarketRank™

Fvcbankcorp scored higher than 91% of companies evaluated by MarketBeat, and ranked 220th out of 885 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.6 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Fvcbankcorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Fvcbankcorp has a consensus price target of $19.00, representing about 23.6% upside from its current price of $15.37.

Amount of Analyst Coverage

Fvcbankcorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.84%

Earnings Growth

Earnings for Fvcbankcorp are expected to grow by 8.84% in the coming year, from $1.47 to $1.60 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Fvcbankcorp is 12.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.36.

Price to Earnings Ratio vs. Sector

The P/E ratio of Fvcbankcorp is 12.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.13.

Price to Book Value per Share Ratio

Fvcbankcorp has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.70% of the float of Fvcbankcorp has been sold short.

Short Interest Ratio / Days to Cover

Fvcbankcorp has a short interest ratio ("days to cover") of 0.68, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Fvcbankcorp has recently increased by 21.18%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Fvcbankcorp pays a meaningful dividend of 1.81%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Fvcbankcorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Fvcbankcorp is 21.88%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Fvcbankcorp will have a dividend payout ratio of 17.50% next year. This indicates that Fvcbankcorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.85

News Sentiment

Fvcbankcorp has a news sentiment score of 0.85. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Fvcbankcorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Fvcbankcorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $440,494.00 in company stock.

Percentage Held by Insiders

11.16% of the stock of Fvcbankcorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

43.61% of the stock of Fvcbankcorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 2/17 Dividend: 1/26/2026
• Ex-Dividend for 2/17 Dividend: 1/26/2026
• Dividend Payable: 2/17/2026
• Last Earnings: 4/21/2026
• Record date for 5/18 Dividend: 4/27/2026
• Ex-Dividend for 5/18 Dividend: 4/27/2026
• Today: 5/13/2026
• Dividend Payable: 5/18/2026
• AGM 2026: 5/20/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FVCB
• CIK: 1675644
• Web: www.fvcbank.com
• Phone: (703) 436-3800
• Fax: N/A
• Employees: 130
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Fvcbankcorp: $19.00
• High Price Target: $19.00
• Low Price Target: $19.00
• Potential Upside/Downside: +23.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.28
• Trailing P/E Ratio: 12.01
• Forward P/E Ratio: 10.46
• P/E Growth: N/A
• Net Income: $22.06 million
• Net Margins: 18.85%
• Pretax Margin: 23.15%
• Return on Equity: 9.33%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $122.03 million
• Price / Sales: 2.27
• Cash Flow: $1.22 per share
• Price / Cash Flow: 12.61
• Book Value: $14.03 per share
• Price / Book: 1.10

Miscellaneous

• Outstanding Shares: 18,000,000
• Free Float: 15,989,000
• Market Cap: $276.66 million
• Optionable: Optionable
• Beta: 0.36