FVCB
FVCBankcorp, Inc.Financial Services·Banks - Regional
$15.78
$284M market cap
Revenue
$48.9M
Free Cash Flow
$15.2M
Rev Growth
+0.0%
FCF Margin
31.1%
P/FCF
18.7x
EV/FCF
20.1x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of cre
2-Year Price History
$15.71+45.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 17.4 | 7.4 | 7.4 | 6.4 | 7.6 | 7.6 | -0.0 | 9.4 | 30.5 | 18.1 | 18.6% | -- | -- |
| Act | 2025-Q4 | 31.5 | 7.4 | 7.4 | 5.7 | 7.6 | 7.6 | -0.0 | 127.6 | 25.2 | 18.1 | 21.0% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$15.78
Market Cap$284M
Enterprise Value$305M
P/S Ratio5.8x
P/FCF18.7x
EV/FCF20.1x
FCF Margin (TTM)31.1%
FCF Yield5.4%
Dividend Yield (TTM)1.6%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$48.9M
Net Income$12.0M
Free Cash Flow$15.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin30.2%
Net Margin24.6%
FCF Margin31.1%
CapEx % of Revenue0.1%
SBC % of Revenue-1.3%
ROIC19.8%
WC Change % Rev-4.8%
Interest Coverage1.1x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.0
Change (vs Prior)+21.2%
Need at least 2 settlement dates for chart
Employees
Headcount110
Revenue / Employee$444,664
Gross Profit / Employee$312,236
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
32.5%(+9.8% YoY)
90 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
15.4%(+4.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.2% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Fourthstone LLC | $19.4M | $13.04 | +$2.8M | +$16.3M | -1.7% | $590M |
| ENDEAVOUR CAPITAL ADVISORS INC | $18.8M | $11.07 | −$979K | −$1.9M | -1.8% | $441M |
| BlackRock, Inc.Passive | $13.9M | $12.80 | −$829K | −$674K | -0.2% | $5.69T |
| ALLIANCEBERNSTEIN L.P. | $12.3M | $11.52 | −$1.9M | −$1.0M | -0.3% | $307.70B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $10.5M | $15.12 | +$10.5M | +$10.5M | — | $4.04T |
| Ategra Capital Management, LLC | $6.6M | $12.79 | +$0 | +$6.6M | +0.6% | $180M |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.3M | $12.61 | −$114K | −$345K | +2.3% | $1.61T |
| STATE STREET CORPPassive | $4.7M | $12.56 | +$106K | +$105K | -0.2% | $2.89T |
| DIMENSIONAL FUND ADVISORS LPPassive | $4.6M | $12.41 | +$280K | +$1.0M | -0.4% | $480.92B |
| BANC FUNDS CO LLC | $3.3M | $10.46 | +$0 | −$836K | -1.3% | $537M |
| WESTBOURNE INVESTMENTS, INC. | $3.2M | $12.64 | +$0 | +$2.1M | +1.7% | $210M |
| Rhino Investment Partners, Inc | $3.0M | $12.24 | −$421K | +$49K | -0.4% | $359M |
| ACADIAN ASSET MANAGEMENT LLC | $2.8M | $14.35 | +$1.6M | +$2.6M | -0.5% | $70.48B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2.7M | $11.13 | +$128K | +$313K | -2.3% | $4.93B |
| RENAISSANCE TECHNOLOGIES LLC | $1.8M | $13.59 | +$479K | +$1.2M | +1.2% | $63.91B |
| NORTHERN TRUST CORPPassive | $1.7M | $13.61 | +$46K | −$261K | -0.2% | $755.34B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.5M | $15.12 | +$1.5M | +$1.5M | — | $395.83B |
| Empowered Funds, LLC | $1.4M | $11.93 | +$128K | +$477K | +0.2% | $15.64B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.4M | $15.12 | +$1.4M | +$1.4M | — | $1.91T |
| MACKENZIE FINANCIAL CORP | $1.2M | $15.12 | +$1.2M | +$1.2M | -0.2% | $83.32B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.82%
avg per quarter
Holders (ex-self)
-0.78%
excl. this stock
Buyers (this Q)
-0.77%
47 buyers · $0.03B in
Sellers (this Q)
+0.20%
29 sellers · $0.00B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-23.8%
how holders react when this stock falls
On quiet Qs
-7.5%
−10% to +10% baseline
On rallies (+10%+)
-5.0%
how they react when this stock rises
Holders' portfolio flow this Q
+5.9%
inflows — adds are organic
Sellers' portfolio flow this Q
-3.6%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.8%
Holder mid (any stock)
-4.6%
Holder rally (any stock)
-6.1%
Biggest decreases this quarter
ALLIANCEBERNSTEIN L.P.−$1.9Mα-0.3ENDEAVOUR CAPITAL ADVISORS INC−$979Kα-1.8BlackRock, Inc.−$829Kα-0.2Rhino Investment Partners, Inc−$421Kα-0.4GSA CAPITAL PARTNERS LLPexited−$332KMALTESE CAPITAL MANAGEMENT LLCexited−$254KFJ Capital Management LLCexited−$224KJANE STREET GROUP, LLCexited−$200KMORGAN STANLEY−$198Kα-0.3Invesco Ltd.exited−$140K
New buyers this quarter
Top-5 holders · 55.3%
Fourthstone LLC--
ENDEAVOUR CAPITAL ADVISORS INC--
BlackRock, Inc.--
ALLIANCEBERNSTEIN L.P.--
VANGUARD CAPITAL MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
FJ Capital Management LLC—Fourthstone LLC1.3MENDEAVOUR CAPITAL ADVISORS INC1.2MALLIANCEBERNSTEIN L.P.885KAtegra Capital Management, LLC437KAMERIPRISE FINANCIAL INC—EJF Capital LLC—BANC FUNDS CO LLC214KElizabeth Park Capital Advisors, Ltd.—Bridgewater Advisors Inc.54K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$19.002040.0%
Last Year (2 analysts)$18.501720.0%
Current Price$15.78
Analyst Ratings
2
1
Buy: 2Hold: 1Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$1.50M
15 txns · 6 insiders · 100,832 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-01 | SELL | Jackson Sharon L. | officer: EVP, Chief Banking Officer | 1,500 | $15.64 | $23K | $381K |
| 2026-03-17 | SELL | Wills Phillip R. III | director | 11,462 | $14.81 | $170K | $795K |
| 2026-03-02 | SELL | Nassy Michael G. | officer: Sr EVP, Chief Credit Officer | 3,100 | $15.56 | $48K | $856K |
| 2026-02-26 | SELL | SCHWARTZ LAWRENCE W | director | 42,966 | $15.66 | $673K | $255K |
| 2026-02-25 | SELL | Jackson Sharon L. | officer: EVP, Chief Banking Officer | 1,000 | $15.49 | $15K | $354K |
| 2026-02-25 | SELL | Wills Phillip R. III | director | 4,800 | $15.48 | $74K | $1.01M |
| 2026-02-24 | SELL | Wills Phillip R. III | director | 10,200 | $15.44 | $157K | $1.08M |
| 2025-11-19 | SELL | Nassy Michael G. | officer: Sr EVP, Chief Credit Officer | 1,000 | $12.23 | $12K | $663K |
| 2025-09-02 | SELL | Jackson Sharon L. | officer: EVP, Chief Banking Officer | 2,000 | $13.52 | $27K | $322K |
| 2025-08-22 | SELL | Satz Devin | director | 7,000 | $13.47 | $94K | $1.92M |
| 2025-08-18 | SELL | SCHWARTZ LAWRENCE W | director | 4,000 | $12.83 | $51K | $209K |
| 2025-08-13 | SELL | Satz Devin | director | 5,000 | $13.01 | $65K | $1.94M |
| 2025-08-12 | SELL | Satz Devin | director | 5,000 | $12.84 | $64K | $1.98M |
| 2025-07-31 | SELL | Laughlin Scott | director | 1,151 | $12.84 | $15K | $2.32M |
| 2025-07-28 | SELL | Jackson Sharon L. | officer: EVP, Chief Banking Officer | 653 | $13.31 | $9K | $344K |
Order Flow (FINRA, ~3w lag)
6.0%retail-3.4pp
30.7%dark+10.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
FVCBankcorp, Inc.: Metadata Analysis of Standard 8-K Cover
Overall Risk
5/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10