Is FVCBankcorp, Inc. overvalued or undervalued?

As of 7 November 2025, the valuation grade for FVCBankcorp, Inc. moved from fair to attractive, indicating a more favorable outlook for the stock. Based on the current metrics, the company appears undervalued 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. stands out with a very attractive valuation and a P/E of 11.21.
Despite the attractive valuation, FVCBankcorp's stock has underperformed relative to the S&P 500, with a year-to-date return of -2.15% compared to the index's 14.40%. Over the past five years, however, the stock has achieved a return of 27.49%, which is significantly lower than the S&P 500's 91.73% return, suggesting potential for improvement as the valuation metrics indicate a more favorable position.