Is FVCBankcorp, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for FVCBankcorp, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued, with a P/E ratio of 11, a Price to Book Value of 0.85, and an EV to EBITDA of 5.69. In comparison to peers, Orrstown Financial Services, Inc. has a P/E of 10.63, while Unity Bancorp, Inc. boasts a more attractive P/E of 11.21.
Over the past year, FVCBankcorp has underperformed relative to the S&P 500, with a return of -6.72% compared to the index's 19.89%. This trend, alongside its current valuation metrics, suggests that while the company is fairly valued, there may be concerns regarding its growth prospects compared to its peers.