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FVCBankcorp Inc. (FVCB) — RQD Stock Rating Cockpit

$17.04 -0.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

FVCBankcorp Inc. (FVCB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $307.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

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 SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FVCB)Realized 20D OHLCV Swing Band: ±5.4%

RSI-14 MOMENTUMNEUTRAL RANGE

37.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE71% OF RANGE

L: $12$17.04H: $19

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on FVCB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

8.7% ROIC with 42.0% gross margin and 7.75% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

25/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like FVCB

✓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.

Bear Case: What Could Go Wrong

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

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FVCB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

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FVCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.81%📐 HORIZONTAL RANGE

2026-10-30O $16.97H $17.14L $16.62C $17.04VOL 72.8K

RES: $18.14SUP: $16.55SMA50: $17.86SMA200: $16.63

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #128 of 1096 ⚔️ MYFW vs FVCB Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, FVCBankcorp Inc. (FVCB) ranks #128 by composite RQD confidence (71/100, grade B-) and #802 by equity capitalization ($307.3M). Within this direct 5-issuer industry benchmark cohort, FVCB leads on earnings valuation at 13.9x trailing P/E, while FCCO leads on capital efficiency and profitability with 11.5% ROIC and — gross margin. FVCB currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FVCB ACTIVE FVCBankcorp Inc.	B-	71/100	13.9x	—	8.7%	-0.41%	$307.3M	Benchmark Subject
MYFW First Western Financial Inc.	D-	37/100	23.3x	—	5.0%	-0.22%	$307.2M	/myfw-vs-fvcb →
ISBA Isabella Bank Corporation	C-	61/100	16.0x	—	8.2%	+0.84%	$302.8M	/isba-vs-fvcb →
ATLO Ames National Corporation	C-	61/100	15.8x	—	9.2%	+0.24%	$299.9M	/atlo-vs-fvcb →
FCCO First Community Corporation	B-	70/100	16.4x	—	11.5%	+1.06%	$314.9M	/fcco-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 2026-11-01, FVCBankcorp Inc. (NASDAQ: FVCB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $17.04 (-0.41% 1D, market cap $307.3M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FVCB ranks #128 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 B- (71/100 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 (37/100 RQD, P/E 23.3x, ROIC 5.0%, cap $307.2M) and ISBA (Isabella Bank Corporation) posts a C- grade (61/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.8M). Among the 5-stock peer group, FVCB leads on earnings multiple (13.9x) while FCCO leads on capital efficiency (11.5% 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 $17.04 (-0.41% on volume of 84,791 shares), positioning the stock -4.59% below its 50-day simple moving average ($17.86) and +2.47% above its 200-day simple moving average ($16.63). Across its 52-week range of $11.93 to $19.11, FVCB sits at the 71.2% percentile with a 14-day RSI of 37.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($16.12 to $17.96).

FVCB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FVCB stock right now?

FVCBankcorp Inc. (FVCB) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.

What is FVCB's 12-month price target and RQD AI Jury consensus?

FVCB's 12-month base price target is $18.04 (range $13.97 to $21.29), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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