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Stock Ratings / Financials / FVCB / dividends
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FVCBankcorp Inc. (FVCB) Dividend Safety Gauge & 10-Year DRIP Compounder

$16.81 -0.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.77

FVCBankcorp Inc. (FVCB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $304.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FVCB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FVCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, FVCBankcorp Inc. (NASDAQ: FVCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $16.81 (-0.36% 1D, market cap $304.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, FVCB ranks #247 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FVCB compare to MYFW and ISBA in the Financials sector?
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Within the Financials sector (Major Banks), FVCB carries a Roarable C (65/100 RQD), trailing P/E of 13.9x, gross margin of —, and ROIC of 8.7%. By comparison, MYFW (First Western Financial Inc.) holds a D- grade (42/100 RQD, P/E 23.3x, ROIC 5.0%, cap $302.7M) and ISBA (Isabella Bank Corporation) posts a C- grade (60/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.4M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FVCB?
▼

Per FVCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001675644), FVCBankcorp Inc. generated $1.8M in revenue (+13.9% YoY), $22.1M in net income, and $23.8M in free cash flow against $2.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $16.77 (-0.25%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1337% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C+
Cash (15)Whales (7)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
$20 Bull$17 Base$14 Bear
📬 FREE FVCB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FVCB)Realized 20D OHLCV Swing Band: ±5.3%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY FVCB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 1337% FCF Margin ($23.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
73
Grade B$17.49+1.4% Next Q
Q2 (-2Q)
70
Grade B$17.73-4.3% Next Q
Q3 (-1Q)
68
Grade B-$16.97-0.9% Next Q
Current
65
Grade C$16.81+1.3% Hist 90D α
Trajectory: B (73) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FVCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, FVCB faces multiple-compression risk if 13.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.80) or 200D SMA ($16.66) invalidates the momentum regime and cuts Target Base ($17.34) toward Bear Floor ($13.53).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FVCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FVCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
2.51% Total Yield
0.71% Cash ($0.12/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
14% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.2% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $26,413

Est. Year-10 Shareholder Yield: $663/yr
$11.0K
Yr 1
$12.1K
Yr 2
$13.4K
Yr 3
$14.7K
Yr 4
$16.3K
Yr 5
$17.9K
Yr 6
$19.7K
Yr 7
$21.7K
Yr 8
$24.0K
Yr 9
$26.4K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in FVCB & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on FVCB and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FVCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.21%🛡️ HOLDING TREND SUPPORT
2026-11-03O $17.04H $17.04L $16.81C $16.81VOL 72.8K
RES: $18.10SUP: $16.54SMA50: $17.80SMA200: $16.66
$19.48$17.96$16.45$14.93$13.42RES $18.10SUP $16.54$16.812026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FVCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FVCB Butterfly Map → + Track FVCB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.6%/yr Implied 5Y Growth

vs. +13.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FVCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FVCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FVCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FVCB)

Financials Rank #247 of 1097 ⚔️ MYFW vs FVCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (FVCB vs. MYFW, ISBA, FCCO, NEWT)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, FVCBankcorp Inc. (FVCB) ranks #247 by composite RQD confidence (65/100, grade C) and #800 by equity capitalization ($304.2M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. FVCB currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FVCB ACTIVE
FVCBankcorp Inc.
C 65/100 13.9x — 8.7% -0.36% $304.2M Benchmark Subject
MYFW
First Western Financial Inc.
D- 42/100 23.3x — 5.0% +1.77% $302.7M /myfw-vs-fvcb →
ISBA
Isabella Bank Corporation
C- 60/100 16.0x — 8.2% +2.98% $302.4M /isba-vs-fvcb →
FCCO
First Community Corporation
C 65/100 16.4x — 11.5% +2.37% $310.0M /fcco-vs-fvcb →
NEWT
NewtekOne Inc.
D- 40/100 5.3x — 15.2% +2.23% $310.8M /newt-vs-fvcb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001675644 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), FVCBankcorp Inc. (FVCB) reported GAAP revenue of $1.8M (+13.9% vs. FY2024 revenue of $1.6M , and +20.8% cumulative change since FY2023) , GAAP net income of $22.1M, operating cash flow of $23.9M, and free cash flow of $23.8M (+31.6% YoY). On the balance sheet, FVCB closed FY2025 with $2.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.8M $22.1M $23.9M $23.8M $2.29B —
FY2024 (FY) 2024-12-31 $1.6M $15.1M $18.2M $18.1M $2.20B —
FY2023 (FY) 2023-12-31 $1.5M $3.8M $16.3M $16.3M — —

3. FVCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FVCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, FVCBankcorp Inc. (NASDAQ: FVCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $16.81 (-0.36% 1D, market cap $304.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, FVCB ranks #247 in composite RQD confidence.

How does FVCB compare to MYFW and ISBA in the Financials sector?

Within the Financials sector (Major Banks), FVCB carries a Roarable C (65/100 RQD), trailing P/E of 13.9x, gross margin of —, and ROIC of 8.7%. By comparison, MYFW (First Western Financial Inc.) holds a D- grade (42/100 RQD, P/E 23.3x, ROIC 5.0%, cap $302.7M) and ISBA (Isabella Bank Corporation) posts a C- grade (60/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.4M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FVCB?

Per FVCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001675644), FVCBankcorp Inc. generated $1.8M in revenue (+13.9% YoY), $22.1M in net income, and $23.8M in free cash flow against $2.29B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FVCB trading relative to its 50-day, 200-day, and 52-week technical levels?

FVCB last traded at $16.81 (-0.36% on volume of 129,544 shares), positioning the stock -5.56% below its 50-day simple moving average ($17.80) and +0.90% above its 200-day simple moving average ($16.66). Across its 52-week range of $11.93 to $19.11, FVCB sits at the 68.0% percentile with a 14-day RSI of 38.7 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($15.92 to $17.70).

Direct Sub-Reports: FVCB RQD Cockpit FVCB 12M Forecast FVCB Earnings & Move FVCB Dividends & DRIP FVCB Insiders & 13F FVCB Whale Options FVCB Profit Sankey FVCB News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

FVCB — FVCBankcorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

FVCBankcorp Inc. (FVCB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $16.81 (-0.36% 1D, market capitalization $304.2M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 8.7%, gross margin of —, operating margin of —, and free cash flow yield of 7.75%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

FVCBankcorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..3B. The "Deposits that pay no interest grew 14% at FVCBankcorp, reaching $427.3 million" headline in the news section indicates a deposit-funded banking model, though the source does not describe the broader business composition.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), FVCBankcorp Inc. (FVCB) reported $1.8M in annual revenue (up from $1.6M in FY2024, +13.9% YoY) and $22.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.5M revenue, $3.8M net income) through FY2025, FVCB scaled operating cash flow to $23.9M and free cash flow to $23.8M, backed by $2.29B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $11.93 – $19.11 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.9x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply_chain is "NONE" and butterfly_links is empty, so no upstream suppliers, downstream customers, or sector correlations are mapped. For a prospective investor, the practical implication is that the source data cannot identify second-order exposure to other sector names. Watch items that the source does indicate are the deposit base (non-interest-bearing deposits of $427.3 million) and earnings-estimate revisions following the reported Q3 shortfall, since these are the most direct channels through which the business's near-term results would ripple.

  • Key Question #1: Can FVCB sustain or expand its — operating margin and 8.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.8M and free cash flow of $23.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FVCB's 11.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FVCB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for FVCBankcorp Inc. (FVCB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FVCB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FVCB Bull vs. Bear Conversation Board — What's Your Call at $16.81?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FVCB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FVCB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $22.27 (+32.0%)
📌 Pinned Debate

Net income rose from $3.8M in FY 2023 to $22.1M in FY 2025 while the RQD insider-conviction pillar scored 16 of 20.

Long FVCB at $16.87 targeting $22.27. Net income rose from $3.8M in FY 2023 to $22.1M in FY 2025 while the RQD insider-conviction pillar scored 16 of 20.. Institutional whale score is 7/20 and the risk/reward vs. the $11.93 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@RiskArb_Desk Fair point on 13.9x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $12.99 (-23.0%)
Spot @ $16.87

The RQD whale 13F flow pillar scored only 8 of 20 and the company reportedly lagged Q3 earnings and revenue estimates.

I respect the product at FVCBankcorp Inc., but the stock at $16.87 is a different story. The RQD whale 13F flow pillar scored only 8 of 20 and the company reportedly lagged Q3 earnings and revenue estimates.. FCF yield is 7.75% and RQD sits at 65/100 (C) — why pay up here when you can wait for next quarter's numbers?

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