FVCBankcorp, Inc. Financial Ratios — I29 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	4.45	6.47	7.77	9.09	8.64	8.47	9.38	8.41	10.99	12.12	1.82	6.66	9.02
Return on Assets (%)	- -	- -	0.48	0.74	0.81	0.84	0.78	0.9	1.1	0.92	1.09	1.1	0.17	0.69	0.98
Return on Capital (%)	- -	- -	3.48	3.83	3.93	5.04	6.06	7.12	7.63	6.16	8.18	6.82	0.96	4.69	7.47
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.94	17.28	21.29	30.71	34.42	36.96	41.43	31.6	39.54	35.41	46.23	45.5	10.04	38.61	42.7
Profit Margin (%)	19.33	11.19	13.46	20.17	22.53	24.39	21.92	26.21	31.28	27.92	35.94	36.68	9.07	26.09	33.34
Net Income to Common Margin (%)	19.33	11.19	13.46	20.17	22.53	24.39	21.92	26.21	31.28	27.92	35.94	36.68	9.07	26.09	33.34
Effective Tax Rate (%)	- -	35.25	36.8	34.35	34.54	34	47.1	17.07	20.91	21.14	22.25	19.38	9.69	32.44	21.91
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.82
Sustainable Growth Rate (%)	- -	- -	4.45	6.47	7.77	9.09	8.64	8.47	9.38	8.41	10.99	12.12	1.82	6.66	8.14

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	5	23	65	71	51	24	24	53	81	56	265	114	76	25
ST Debt	- -	3	12	33	36	27	- -	- -	15	25	25	235	85	50	- -
LT Debt	- -	3	12	33	36	24	24	24	38	56	31	30	29	26	25
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	9.26	12.02	11.05	9.87	8.78	9.33	11.71	11.65	10.4	9.52	8.63	9.91	10.7	11.06
Long-Term Debt/Equity (%)	- -	6.39	18.88	48.64	49	30.38	24.75	15.41	21.32	29.66	14.6	14.8	13.29	11.19	9.95
Long-Term Debt/Capital (%)	- -	5.66	13.71	24.66	24.75	18.5	19.84	13.36	16.44	20.76	11.54	6.41	8.72	8.45	9.05
Long-Term Debt/Total Assets (%)	- -	0.59	2.27	5.37	4.84	2.67	2.31	1.81	2.48	3.09	1.39	1.28	1.32	1.2	1.1
Total Debt/Equity (%)	- -	12.77	37.76	97.28	98	64.21	24.75	15.41	29.69	42.85	26.51	130.92	52.44	32.43	9.95
Total Debt/Capital (%)	- -	11.33	27.41	49.31	49.5	39.1	19.84	13.36	22.89	30	20.96	56.7	34.4	24.49	9.05
Total Debt/Total Assets (%)	- -	1.18	4.54	10.75	9.68	5.64	2.31	1.81	3.46	4.46	2.52	11.3	5.2	3.47	1.1
Net Debt to Equity	- -	-127.71	-15.93	73.36	58.56	53.33	1.79	-12.06	3.54	-37.98	-93.64	85.49	20.31	-9.46	-42.93
Net Debt/Capital (%)	- -	460.92	-18.94	42.32	36.93	34.78	1.76	-13.71	3.19	-55.52	-803.17	44.85	16.31	-10.08	-72.01
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	9.26	12.02	11.05	9.87	8.78	9.33	11.71	11.65	10.4	9.52	8.63	9.91	10.7	11.06
Long-Term Debt/Equity (%)	- -	6.39	18.88	48.64	49	30.38	24.75	15.41	21.32	29.66	14.6	14.8	13.29	11.19	9.95
Long-Term Debt/Capital (%)	- -	5.66	13.71	24.66	24.75	18.5	19.84	13.36	16.44	20.76	11.54	6.41	8.72	8.45	9.05
Long-Term Debt/Total Assets (%)	- -	0.59	2.27	5.37	4.84	2.67	2.31	1.81	2.48	3.09	1.39	1.28	1.32	1.2	1.1
Total Debt/Equity (%)	- -	12.77	37.76	97.28	98	64.21	24.75	15.41	29.69	42.85	26.51	130.92	52.44	32.43	9.95
Total Debt/Capital (%)	- -	11.33	27.41	49.31	49.5	39.1	19.84	13.36	22.89	30	20.96	56.7	34.4	24.49	9.05
Total Debt/Total Assets (%)	- -	1.18	4.54	10.75	9.68	5.64	2.31	1.81	3.46	4.46	2.52	11.3	5.2	3.47	1.1
CFO/Total Liabilities	- -	0.48	0.53	1.03	1.11	1.14	1.1	1.12	1.43	0.91	0.98	1.05	0.82	0.93	1.17
CFO/CapEx	- -	4.57	4.07	20.7	22.19	33.38	20.99	17.96	62.47	42.11	40.09	134.89	76.74	129.3	507.64
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	13.62	14.25	13.81	12.9	12.85	11.83	12.43	8.39	7.09	7.78	4.27	5.6	6.43
Days Sales Outstanding	- -	- -	26.8	25.61	26.44	28.29	28.41	30.86	29.37	43.49	51.47	46.91	85.57	65.22	56.8
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	254	216	242
- Cash & Cash Equivalents	- -	55	33	16	29	9	23	43	33	141	241	82	61	91	128
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5	23	65	71	51	24	24	53	81	56	265	114	76	25
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	136	45	140
Total Capital	- -	44	84	132	144	131	123	183	232	271	265	467	331	312	279
Total Debt/Capital (%)	- -	11.33	27.41	49.31	49.5	39.1	19.84	13.36	22.89	30	20.96	56.7	34.4	24.49	9.05
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84	1.7	0.18
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.23	0.78	2.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.37	2.47	5.86
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.48	2.48	5.87
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	260	218	247
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	142	47	144
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.64	2.47	7.8
TTM Sales	10	13	17	20	24	28	35	41	51	56	61	68	42	58	66
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	2	2	6	7	9	10	13	19	15	19	22	16	18	24
TTM Free Cash Flow to Firm	- -	1	2	5	7	9	10	13	19	15	19	22	16	18	24

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.22	12.07	10.36
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	136	45	140
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.83	9.9	9.28
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.23	0.78	2.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	66.24	14.23	11.1
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	66.02	14.31	9.82
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	66.9	16.94	11.29
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	64.13	11.87	7.62
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.17	0.92	0.95
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.17	0.92	0.84
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.09	0.97
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.13	0.77	0.66
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.21	0.95	0.98
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.21	0.95	0.87
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.23	1.13	1
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	0.79	0.67
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.01	3.71	3.7
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.99	3.73	3.27
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.07	4.42	3.76
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.82	3.1	2.54
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.56	11.75	10.26
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.51	11.82	9.08
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.72	13.99	10.43
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.06	9.8	7.05
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.17	12.14	9.17
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.38	14.37	10.54
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.7	10.07	7.12
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.21	0.8	1.69
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.29	1.49	2.17
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.04	0.16	0.97
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.28	11.87	13.51
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.43	14.13	13.74
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	135	46	112
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	139	86	144
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	128	9	64

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	13	13	13	13	13	16	14	17	17	17	17	17	18	18	18
Diluted Weighted Avg Shares	13	13	11	13	13	14	14	16	19	18	18	18	18	18	18
Basic Weighted Avg Shares	13	13	11	13	13	13	13	15	17	17	17	17	18	18	18
Revenue per Share	0.82	1.05	1.49	1.62	1.9	2.24	2.69	2.83	2.93	3.28	3.58	3.91	2.38	3.2	3.65
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.16	0.12	0.2	0.33	0.43	0.55	0.59	0.74	0.92	0.92	1.29	1.43	0.22	0.83	1.22
Basic EPS from Cont Ops	0.16	0.12	0.2	0.33	0.43	0.55	0.59	0.74	0.92	0.92	1.29	1.43	0.22	0.83	1.22
Diluted EPS, GAAP	0.16	0.12	0.2	0.32	0.41	0.51	0.53	0.68	0.85	0.88	1.2	1.35	0.21	0.82	1.21
Diluted EPS from Cont Ops	0.16	0.12	0.2	0.32	0.41	0.51	0.53	0.68	0.85	0.88	1.2	1.35	0.21	0.82	1.21
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.12
Cash Flow per Share	- -	0.15	0.21	0.44	0.58	0.74	0.8	0.91	1.12	0.88	1.14	1.28	0.92	1.01	1.32
Free Cash Flow per Basic Share	- -	0.11	0.16	0.42	0.55	0.72	0.77	0.86	1.11	0.86	1.11	1.28	0.91	1	1.31
Cash & Equivalents per Share	- -	6.66	7.09	6.21	7.43	7.6	10.2	9.74	10.04	15.82	34.88	20.58	13.04	13.59	7.12
Book Value per Share	- -	3.1	4.82	5.27	5.74	5.02	7.23	9.24	10.31	11.22	12.23	11.58	12.19	12.93	14.15
Tangible Book Value per Share	- -	3.08	4.8	5.26	5.73	5.01	7.23	8.74	9.81	10.73	11.76	11.14	11.77	12.52	13.75