FVCBankcorp, Inc. (FVCB) Key Metrics
FVCB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $315.6M
- Enterprise value
- $94.8M
- P/E (TTM)
- 12.2 10-yr median 14.7
- Forward P/E
- 12.4
- PEG ratio
- —
- Price / sales
- 4.3 10-yr median 3.6
- Price / book
- 1.2 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 6.1
- Dividend yield
- 1.60% $0.28 a year
- Beta
- 0.34
FVCB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFVCB valuation Price multiples at each fiscal year-end price.
FVCB returns How much profit the business earns on the capital it uses.
FVCB per-share figures Results divided by the shares outstanding at year-end.
FVCB financial health Debt, liquidity and how easily interest is covered.
FVCB efficiency & capital use Working capital cycle and where the cash goes.
FVCB valuation history
FVCB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FVCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FVCB cash returned to shareholders
FVCB price vs earnings per share
FVCB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $254.0M | $231.3M | $258.9M | $282.0M | $287.0M | $207.8M | $259.0M | $225.8M | $202.3M | $97.9M |
| Enterprise value | $151.6M | $60.2M | $371.5M | $217.3M | −$256.0M | $21.8M | $147.7M | $83.2M | $112.4M | $28.2M |
| P/E ratio | 11.5 | 15.4 | 67.7 | 11.3 | 13.1 | 13.4 | 16.4 | 20.8 | 26.3 | 14.1 |
| Price / sales | 2.1 | 2.1 | 6.1 | 3.4 | 4.0 | 3.0 | 3.8 | 4.3 | 4.7 | 2.9 |
| Price / book | 1.0 | 1.0 | 0.1 | 1.4 | 1.4 | 1.1 | 1.4 | 1.4 | 2.1 | 1.2 |
| Price / free cash flow | 10.7 | 12.8 | 16.1 | 12.7 | 15.1 | 14.3 | 13.5 | 17.9 | 20.2 | 10.7 |
| Price / operating cash flow | 10.6 | 12.7 | 15.9 | 12.6 | 14.8 | 14.0 | 13.3 | 16.9 | 19.3 | 10.4 |
| EV / sales | 1.2 | 0.5 | 8.8 | 2.6 | -3.6 | 0.3 | 2.2 | 1.6 | 2.6 | 0.8 |
| EV / EBITDA | 5.3 | 2.6 | 22.8 | 6.9 | — | 1.1 | 7.0 | 6.1 | 7.4 | 2.6 |
| EV / free cash flow | 6.4 | 3.3 | 23.1 | 9.8 | — | 1.5 | 7.7 | 6.6 | 11.2 | 3.1 |
| Earnings yield | 8.7% | 6.5% | 1.5% | 8.9% | 7.6% | 7.5% | 6.1% | 4.8% | 3.8% | 7.1% |
| Free cash flow yield | 9.4% | 7.8% | 6.2% | 7.9% | 6.6% | 7.0% | 7.4% | 5.6% | 4.9% | 9.3% |
| Dividend yield | 0.9% | 0.0% | 5.8% | — | — | 9.4% | — | — | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 3.5% | 0.0% | 6.4% | 0.3% | 0.0% | 12.9% | 0.0% | 0.0% | 0.0% | 0.0% |
| Share price at fiscal year-end | $13.91 | $12.57 | $14.20 | $15.26 | $15.74 | $11.76 | $13.98 | $14.09 | $14.02 | $7.17 |
| Per share | ||||||||||
| Revenue per share | $6.68 | $6.07 | $2.32 | $4.52 | $3.92 | $3.90 | $3.69 | $3.30 | $2.96 | $2.44 |
| Earnings per share | $1.21 | $0.82 | $0.21 | $1.35 | $1.20 | $0.88 | $0.85 | $0.68 | $0.53 | $0.51 |
| Operating cash flow per share | $1.31 | $0.99 | $0.89 | $1.21 | $1.07 | $0.84 | $1.05 | $0.83 | $0.73 | $0.69 |
| Free cash flow per share | $1.30 | $0.98 | $0.88 | $1.20 | $1.04 | $0.82 | $1.03 | $0.79 | $0.69 | $0.67 |
| Cash per share | $6.99 | $13.45 | −$0.44 | $19.46 | $32.84 | $15.13 | $9.41 | $10.42 | $9.60 | $8.86 |
| Book value per share | $13.89 | $12.79 | $114.41 | $10.95 | $11.51 | $10.73 | $9.66 | $9.88 | $6.81 | $5.85 |
| Tangible book value per share | $13.49 | $12.39 | $113.61 | $10.53 | $11.07 | $10.25 | $9.19 | $9.35 | $6.80 | $5.84 |
| Dividends per share | $0.12 | $0.00 | $0.83 | — | — | $1.10 | — | — | $0.00 | $0.00 |
| Capex per share | $0.00 | $0.01 | $0.01 | $0.01 | $0.03 | $0.02 | $0.02 | $0.05 | $0.03 | $0.02 |
| Debt per share | $1.38 | $4.15 | $5.74 | $15.96 | $3.05 | $4.60 | $3.41 | $1.52 | $3.37 | $3.75 |
| Shares outstanding | 18.3M | 18.4M | 18.2M | 18.5M | 18.2M | 17.7M | 18.5M | 16.0M | 14.4M | 13.7M |
| Change in shares outstanding | −0.7% | +0.9% | −1.4% | +1.4% | +3.2% | −4.7% | +15.6% | +11.1% | +5.7% | +3.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.0% | 1.3% | 0.3% | 12.1% | 11.0% | 8.4% | 9.4% | 8.5% | 8.6% | 9.1% |
| Return on invested capital (ROIC) | 20.5% | 1.3% | 1.3% | — | — | 43.5% | 37.9% | 90.1% | 82.8% | 23.1% |
| Return on assets (ROA) | 1.0% | 0.7% | 0.2% | 1.1% | 1.1% | 0.9% | 1.1% | 0.9% | 0.8% | 0.8% |
| Return on tangible assets | 1.0% | 0.7% | 0.2% | 1.1% | 1.0% | 0.9% | 1.0% | 0.8% | 0.7% | 0.8% |
| Free cash flow margin | 19.5% | 16.2% | 37.9% | 26.6% | 26.5% | 21.1% | 28.0% | 23.8% | 23.4% | 27.5% |
| Income quality (OCF / net income) | 1.08 | 1.21 | 4.26 | 0.90 | 0.89 | 0.96 | 1.23 | 1.23 | 1.36 | 1.36 |
| Financial health | ||||||||||
| Total debt | $25.2M | $76.3M | $104.6M | $295.0M | $55.6M | $81.2M | $63.2M | $24.4M | $48.7M | $51.2M |
| Cash & short-term investments | $127.6M | $247.4M | −$8.0M | $359.6M | $598.6M | $267.2M | $174.5M | $167.0M | $138.5M | $120.9M |
| Net debt | −$102.4M | −$171.1M | $112.7M | −$64.7M | −$542.9M | −$186.0M | −$111.3M | −$142.6M | −$89.9M | −$69.7M |
| Debt / equity | 0.10 | 0.32 | 0.05 | 1.46 | 0.27 | 0.43 | 0.35 | 0.15 | 0.50 | 0.64 |
| Debt / assets | 0.01 | 0.03 | 0.05 | 0.13 | 0.03 | 0.04 | 0.04 | 0.02 | 0.05 | 0.06 |
| Net debt / EBITDA | −3.58 | −7.52 | 6.90 | −2.04 | −18.68 | −9.02 | −5.29 | −10.39 | −5.95 | −6.31 |
| Current ratio | 0.07 | 0.14 | 0.15 | 0.18 | 0.31 | 0.18 | 0.14 | 0.15 | — | 29.22 |
| Quick ratio | 0.07 | 0.14 | 0.16 | 0.09 | 0.44 | 0.27 | 0.17 | 0.14 | — | 29.22 |
| Interest coverage | 0.5 | 0.4 | — | 2.0 | 2.7 | 1.4 | 1.1 | 1.1 | 1.8 | 1.9 |
| Working capital | −$1.86B | −$1.66B | −$336.2M | −$1.74B | −$1.35B | −$1.30B | −$1.14B | −$996.9M | $933.8M | $766.8M |
| Invested capital | $151.2M | $64.3M | $2.20B | $137.7M | −$333.2M | $3.5M | $67.8M | $15.7M | $8.4M | $10.1M |
| Tangible asset value | $246.3M | $227.9M | $2.07B | $194.6M | $201.7M | $181.1M | $170.4M | $149.9M | $98.2M | $79.7M |
| Net current asset value | −$1.90B | −$1.70B | −$44.1M | −$1.77B | −$1.39B | −$1.36B | −$1.18B | −$1.02B | −$20.8M | −$35.6M |
| Graham number | $19.43 | $15.35 | $23.23 | $18.25 | $17.65 | $14.55 | $13.63 | $12.28 | $9.04 | $8.17 |
| Graham net-net per share | −$104.23 | −$92.86 | −$5.82 | −$91.07 | −$83.05 | −$81.24 | −$64.84 | −$63.70 | −$56.29 | −$51.76 |
| Capital allocation | ||||||||||
| Dividends paid | $2.2M | $0 | $15.1M | — | — | $19.5M | — | — | $4,250 | $5,250 |
| Share buybacks (net) | $6.7M | $0 | $1.5M | $730,000 | $0 | $7.3M | $0 | $0 | $4,000 | $5,250 |
| Dividend payout ratio | 9.8% | 0.0% | 395.7% | — | — | 125.9% | — | — | 0.1% | 0.1% |
| Dividends + buybacks / free cash flow | 37.1% | 0.0% | 103.3% | 3.3% | 0.0% | 184.6% | 0.0% | 0.0% | 0.1% | 0.1% |
| Capex / revenue | 0.0% | 0.1% | 0.5% | 0.2% | 0.7% | 0.5% | 0.5% | 1.4% | 1.2% | 0.8% |
| Capex / operating cash flow | 0.2% | 0.8% | 1.3% | 0.7% | 2.5% | 2.4% | 1.6% | 5.6% | 4.8% | 3.0% |
| Capex / depreciation | 0.14 | 0.32 | 0.36 | 0.24 | 0.56 | 0.37 | 0.30 | 1.21 | 0.90 | 0.52 |
| Stock-based compensation / revenue | 0.7% | 0.7% | 2.7% | 1.4% | 1.4% | 1.0% | 1.0% | 1.3% | 1.5% | 2.1% |
| SG&A / revenue | 18.2% | 19.4% | 2.0% | 27.0% | 29.4% | 26.6% | 26.6% | 28.9% | 30.0% | 33.4% |
| Efficiency | ||||||||||
| Days sales outstanding | 30.8 | 33.8 | 85.1 | 38.2 | 43.9 | 35.0 | 21.7 | 24.2 | 23.3 | 24.2 |
| Days of inventory on hand | — | — | 634.4 | -672.9 | -7,407.3 | -1,837.6 | -334.9 | 105.2 | 150.2 | — |
| Days payables outstanding | 14.9 | 15.6 | 12.9 | 23.3 | 31.4 | 12.1 | 12.7 | 16.0 | 11.4 | 8.1 |
| Cash conversion cycle (days) | 15.9 | 18.2 | 706.6 | -657.9 | -7,394.8 | -1,814.6 | -325.9 | 113.5 | 162.1 | 16.1 |
| Receivables turnover | 11.85 | 10.81 | 4.29 | 9.54 | 8.31 | 10.42 | 16.79 | 15.09 | 15.66 | 15.10 |
| Payables turnover | 24.54 | 23.47 | 28.35 | 15.69 | 11.61 | 30.23 | 28.80 | 22.85 | 32.00 | 45.25 |
| Inventory turnover | — | — | — | — | — | — | — | 3.47 | 2.43 | — |
| Asset turnover | 0.05 | 0.05 | 0.02 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $10.3M | $10.3M | $9.9M | $8.8M | $8.6M | $6.6M | $4.1M | $3.5M | $2.7M | $2.2M |
| Average payables | $2.3M | $2.5M | $1.8M | $1.2M | $859,500 | $645,000 | $708,000 | $613,872 | $293,556 | $151,555 |
| Average inventory | — | — | $90.8M | −$33.3M | −$202.6M | −$98.2M | −$18.7M | $4.0M | $3.9M | — |
| Intangibles / total assets | 0.3% | 0.3% | 0.7% | 0.3% | 0.4% | 0.5% | 0.6% | 0.6% | 0.0% | 0.0% |
Computed from FVCB's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FVCB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), FVCBankcorp traded at 11.5 times earnings, against a 10-year median of 14.7. Based on the latest twelve months, the trailing P/E is 12.2 and the forward P/E is 12.4. FVCBankcorp earned a return on equity of 9.0% and a return on invested capital of 20.5% in fiscal 2025. It ended the year with $25.2 million of debt and $127.6 million in cash and short-term investments, a net cash position of $102.4 million. It returned $8.8 million to shareholders: $2.2 million in dividends and $6.7 million in share buybacks, 37% of free cash flow. The share count rose 33.7% from 13.7M to 18.3M over 9 years.
See the FVCB income statement, the FVCB chart for price history, or the FVCB stock overview for the latest quote and news.
FVCB key metrics FAQ
What is FVCBankcorp's P/E ratio?
FVCBankcorp's trailing P/E ratio is 12.2 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.4. At the end of fiscal 2025 it was 11.5, compared with a 10-year median of 14.7.
What is FVCBankcorp's EV/EBITDA?
FVCBankcorp's enterprise value was 5.3 times EBITDA at the end of fiscal 2025 (enterprise value $151.6 million, EBITDA $28.6 million).
What is FVCBankcorp's return on equity?
FVCBankcorp's return on equity (ROE) was 9.0% in fiscal 2025: net income of $22.1 million on average shareholders' equity of $244.5 million.
What is FVCBankcorp's ROIC?
FVCBankcorp's return on invested capital was 20.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does FVCBankcorp have?
FVCBankcorp had total debt of $25.2 million at the end of fiscal 2025, a debt-to-equity ratio of 0.10 and more cash than debt.
What is FVCBankcorp's dividend yield?
FVCBankcorp's forward dividend yield is 1.60%. FVCBankcorp paid $2.2 million in dividends in fiscal 2025 ($0.12 per share), a payout ratio of 9.8%.
Does FVCBankcorp buy back its shares?
Yes. FVCBankcorp spent $6.7 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.7% over the year, to 18.3M..
What is FVCBankcorp's free cash flow yield?
FVCBankcorp generated $23.8 million of free cash flow in fiscal 2025, a free cash flow yield of 9.4% on its market value at year-end ($254.0 million).
What is FVCBankcorp's current ratio?
FVCBankcorp's current ratio was 0.07 at the end of fiscal 2025: current assets were 0.07 times current liabilities.