What is FVCBankcorp, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on FVCBankcorp, Inc.'s reported free cash flow gives $22.02 per share. The share price was $17.98 on September 25, 2026, 18% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -2.0% | 10.0% | $13.91 | -23% |
| Base | 3.0% | 9.0% | $22.02 | +22% |
| Bull | 8.0% | 8.0% | $37.17 | +107% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $27.75 | $29.48 | $31.60 | $34.25 | $37.65 |
| 8.0% | $23.49 | $24.61 | $25.94 | $27.53 | $29.48 |
| 9.0% | $20.37 | $21.14 | $22.02 | $23.06 | $24.28 |
| 10.0% | $17.98 | $18.53 | $19.15 | $19.86 | $20.68 |
| 11.0% | $16.11 | $16.51 | $16.96 | $17.46 | $18.03 |
Where the presets come from
Base: years 1 to 5 grow at FVCBankcorp, Inc.'s revenue growth rate over the last 4 fiscal years (2.9% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions