Stock fact sheet · data as of
FVCBankcorp, Inc. (FVCB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is FVCB undervalued?
FVCB closed at 17.53 on 16 Oct 2026 against a GLS average fair value of 19.45 - 9.9% below fair value, which our screens read as "fairly priced". 4 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between DDM (3.83) and 10 Cap (43.50). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files FVCB under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for FVCB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 15.33 | -13% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 21.80 | +24% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 27.90 | +59% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.17 | -53% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.53 | -74% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 43.50 | +148% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 34.04 | +94% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 3.83 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 15.93 | -9% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -105.21 | -700% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 19.00 | +8% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
FVCBankcorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability FVCB scores 6.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 7.9%, ROE 8.7%, ROA 1.0% - with debt at 0.10 times equity and a free-cash-flow yield of 10.0%.
The dividend yield is 1.48% with a payout ratio of 17% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Service Charges On Deposit Accounts 79%, Fees Exchange And Other Service Charges 21% (quarter Q2 FY2026).
Institutional ownership scores 6/10, insider activity 7/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 7.9% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 8.7% |
| Debt / equity | 0.10 | ROA | 1.0% |
| Free-cash-flow yield | 10.0% | Payout ratio | 17% |
| Institutions | 6 / 10 | Insiders · Congress | 7 · 5 / 10 |
Wheel Score 66: Good
With a Wheel Score of 66 - the Good band - FVCBankcorp, Inc. falls just short of the Sunday Scan's "70 or higher" rule. The parts: Value 17/25, Health 16/20, Moat 9/15, Premium 19/20, Stability 6/20; Stability (6/20) scores lowest.
Implied volatility is 63% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (19 of 20) because volatility this high usually comes with a reason. Chain open interest is thin - 13 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 55k shares a day on a market cap of $316M, with a beta of 0.34 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 17 / 25 | 10% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 9 / 15 | moat 6.0/10 | |
| Premium | 19 / 20 | implied volatility 63% | |
| Stability | 6 / 20 | 55k shares/day, $316M cap, beta 0.34 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
FVCBankcorp, Inc. reports earnings on 20 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to FVCBankcorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NEWT NewtekOne, Inc. | 10.94 | 59.49 | +82% | 68Good | $316M |
| NEWTP NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series B | 24.22 | 103.97 | +77% | 39No options | $316M |
| NEWTG NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 | 24.74 | 105.71 | +77% | 39No options | $316M |
| NEWTI NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 | 24.93 | 124.94 | +80% | 39No options | $316M |
| NEWTH NewtekOne, Inc. | 24.75 | 124.20 | +80% | 39No options | $316M |
| COSO CoastalSouth Bancshares, Inc. | 26.74 | 46.91 | +43% | 39No options | $320M |
| JMSB John Marshall Bancorp, Inc. | 22.79 | 32.31 | +29% | 77Good | $322M |
| CCFN Muncy Columbia Financial Corporation | 30.48 | 71.38 | +57% | 39No options | $324M |
| CBNA Chain Bridge Bancorp, Inc. | 49.47 | 130.44 | +62% | 39No options | $325M |
| NASB NASB Financial, Inc. | 45.60 | 62.67 | +27% | 39No options | $325M |
| LRBI Lake Ridge Bancorp Inc. | 155.00 | 198.45 | +22% | 39No options | $305M |
| FCCO First Community Corporation | 32.39 | 30.62 | -6% | 38No options | $304M |
⚖ Compare FVCB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FVCB
Is FVCB undervalued right now?
Not meaningfully: at 17.53 the stock trades within a few percent of the GLS average fair value of 19.45 (9.9% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of FVCB and what does it mean?
FVCB scores 66 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for FVCB?
19.45 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does FVCBankcorp, Inc. report earnings next?
The next earnings report is due on 20 Oct 2026 (after the close), 4 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does FVCB have listed options, and how liquid are they?
Yes. The nightly snapshot found 118 listed contracts with 13 open interest across all expiries and implied volatility of 63% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.