FVCBankcorp (FVCB) Competitors

FVCBankcorp (NASDAQ:FVCB) and OppFi (NYSE:OPFI) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, valuation, community ranking, institutional ownership, media sentiment and risk.

Which has more volatility & risk, FVCB or OPFI?

FVCBankcorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.61, indicating that its share price is 61% more volatile than the S&P 500.

Do analysts prefer FVCB or OPFI?

OppFi has a consensus target price of $13.00, suggesting a potential upside of 39.04%. Given OppFi's stronger consensus rating and higher possible upside, analysts plainly believe OppFi is more favorable than FVCBankcorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FVCBankcorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
OppFi	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Which has better earnings & valuation, FVCB or OPFI?

FVCBankcorp has higher earnings, but lower revenue than OppFi. FVCBankcorp is trading at a lower price-to-earnings ratio than OppFi, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FVCBankcorp	$56.14M	3.74	$15.06M	$1.02	11.20
OppFi	$525.96M	1.54	-$1M	$0.21	44.52

Does the media prefer FVCB or OPFI?

In the previous week, OppFi had 2 more articles in the media than FVCBankcorp. MarketBeat recorded 5 mentions for OppFi and 3 mentions for FVCBankcorp. FVCBankcorp's average media sentiment score of 1.10 beat OppFi's score of 0.83 indicating that FVCBankcorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
FVCBankcorp	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
OppFi	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community prefer FVCB or OPFI?

OppFi received 3 more outperform votes than FVCBankcorp when rated by MarketBeat users. Likewise, 60.71% of users gave OppFi an outperform vote while only 56.00% of users gave FVCBankcorp an outperform vote.

Company	Underperform	Outperform
FVCBankcorp	Outperform Votes 14 56.00%	Underperform Votes 11 44.00%
OppFi	Outperform Votes 17 60.71%	Underperform Votes 11 39.29%

Is FVCB or OPFI more profitable?

FVCBankcorp has a net margin of 13.00% compared to OppFi's net margin of 1.40%. OppFi's return on equity of 35.04% beat FVCBankcorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
FVCBankcorp	13.00%	7.72%	0.77%
OppFi	1.40%	35.04%	12.09%

Do insiders and institutionals have more ownership in FVCB or OPFI?

43.6% of FVCBankcorp shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 14.0% of FVCBankcorp shares are owned by company insiders. Comparatively, 84.0% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

OppFi beats FVCBankcorp on 12 of the 18 factors compared between the two stocks.