Is FVCBankcorp, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for FVCBankcorp, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued based on its key ratios, including a P/E ratio of 11, a Price to Book Value of 0.85, and an EV to EBITDA of 5.69, which are favorable compared to its peers. For instance, Orrstown Financial Services, Inc. has a P/E of 10.63, while Unity Bancorp, Inc. shows a P/E of 11.21, suggesting that FVCBankcorp is positioned competitively within its industry.
Despite recent stock performance lagging behind the S&P 500, with a 1-year return of 2.59% compared to the index's 17.82%, the company's strong valuation metrics and the recent upgrade in its valuation grade reinforce the notion that it is currently undervalued in the market.