FVCBankcorp, Inc. (FVCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$16.83+0.30%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FVCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -5.8% |
| Our one-year growth estimate | diamond | -24.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 18.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FVCB — earnings miss
Dated 2026-10-22
Results of Operations and Financial Condition. On October 22, 2026 , FVCBankcorp, Inc. (the “Company”) issued a press release reporting its financial results for the period ended September 30, 2026. A copy of the press release is being furnished as Exhibit 99.1 to this report and is incorporated by reference into this
Why it matters: Net interest margin fell from 3.53% in Q2 to 3.32% in Q3. A further decline could weaken earnings gains.
Worry ifNet interest margin falls below 3.32% in the next quarterly report.
Less concerning ifNet interest margin rises above 3.32% in the next quarterly report.
Why it matters: Management said the loan pipeline was very strong. More loans would show that pipeline is turning into growth.
Supportive ifQ4 net loans rise above the September 30 level of $1.91 billion.
Worry ifQ4 net loans fall below $1.91 billion, or management reports that pipeline deals did not close.
Why it matters: Watchlist loans fell after a large construction loan improved. A rise could signal that credit problems are spreading.
Worry ifWatchlist loans rise above $25.5 million in a later quarterly report.
Less concerning ifWatchlist loans stay at or below $25.5 million, and nonperforming loans stay at or below $11.0 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $200 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,182 loss on $10,000 · 11.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.