FVCB Stock Analysis: Buy, Sell, or Hold?
FVCB - FVCBankcorp, Inc. Common Stock
$15.14
-0.02 (-0.13%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Jan 22, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FVCB shows positive signals but monitor for confirmation. Market pricing in 0.2% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FVCB shows positive signals but monitor for confirmation. Market pricing in 0.2% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$22.61
Based on 8.2% avg growth
INTRINSIC VALUE TODAY
$14.04
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FVCB is currently trading at $15.14, which is considered extended relative to its 30-day fair value range of $13.75 to $14.83. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This pessimistic expectation contrasts with the company's recent 15.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FVCB is in a uptrend. The price is approaching resistance at $15.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FVCB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (18th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FVCB is in a uptrend. The price is approaching resistance at $15.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FVCB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (18th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$13.75 -
$14.83
Company Quality Score
62/100
(BUY)
Options IV Signal
18th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
65.4%
All Signals
- BEARISH: Price extended above range
- BULLISH: Options cheap (IV 18th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($15.50)
Fair Price Analysis
30-Day Fair Range
$13.75 -
$14.83
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$0.90
(6.0%)
Support & Resistance Levels
Support Level
$14.11
Resistance Level
$15.40
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.42
Wall Street Target
$15.50
(+2.2%)
Revenue Growth (YoY)
10.7%
Earnings Growth (YoY)
15.2%
Profit Margin
33.5%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
10.4 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$15.13
(0%)
2-Year Target
$15.10
(0%)
3-Year Target
$15.07
(-1%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$15.19
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 12.4%)
$46.02
(+204%)
Base:
(SPY PE: 10.4, Growth: 12.4%)
$21.50
(+42%)
Bear:
(PE: 8.9, Growth: 12.4%)
$18.28
(+21%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.26 | Current EPS (TTM): $1.21
Bull Case
$19.63
(+30%)
Analyst growth 20.2%, PE expands to 13.5
Base Case
$17.84
(+18%)
Market implied 20.2%, PE stable at 12.3
Bear Case
$10.09
(-33%)
Severe decline -20.0%, PE contracts to 10.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.4 to 10.5
Stabilization Target:
$15.28
(+0.8%)
PE Expansion Potential:
+0.8%
Last updated: January 31, 2026 7:13 AM ET
Data refreshes hourly during market hours. Next update: 8:13 AM
Data refreshes hourly during market hours. Next update: 8:13 AM
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Technical Signals Check
Is FVCB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Sharon L Jackson
SELL
2000 shares
2025-09-02
Devin Satz
SELL
7000 shares
2025-08-22
Devin Satz
SELL
5000 shares
2025-08-12
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Advanced FVCB Option Strategies
Professional options setups generated by AI based on today's FVCB price and gamma walls.
