B+
Bull case
20%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
FVCB
FVCBankcorpCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Improved net interest margin and stable deposit funding lift earnings; modest loan growth and disciplined credit produce upside to consensus, supporting a price above the analyst range.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +10.5.
What can break
Deposit outflows or competitive deposit pricing
Momentum
48
Value
62
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $15.00 · Bull $16.50 · Bear $13.00Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-10-26
Investment thesis
As of 2026-10-26
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $19.38
Why
Momentum48 · Δ7d -9.6
Value62 · Δ7d +10.5
Sentiment46 · Δ7d +1.5
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +10.5.
Contradictions & invalidation
- • Deposit outflows or competitive deposit pricing
- • Net interest margin compression if yield curve flattens
- • Deposit competition or rising provisions compress margins and earnings, pushing multiple compression and a re-rating below current analyst lows.
Catalyst clock
2026-03-31
Dividend / capital action decision (assumed window)
Lead driver: Value · See fundamentals
Momentum
48
8% active weight
Current posture
7d trendSoftening
Δ7d
-9.6
Δ21d
-11.5
Value
62
47% active weight
Current posture
7d trendImproving
Δ7d
+10.5
Δ21d
+10.3
Sentiment
46
45% active weight
Current posture
7d trendImproving
Δ7d
+1.5
Δ21d
-2.4
Why this grade
Composite grade C. Momentum 47.6 / Value 62.0 / Sentiment 46.0
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$15.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$13.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-10-27
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$306.04M
Beta
0.39
Shares Out
18.03M
P/E (TTM)
11.9
P/S (TTM)
3.85
P/FCF (TTM)
11.86
Rev YoY
+6.4%
EPS YoY
+45.9%
Gross Margin
-
Op Margin
+25.9%
Net Debt
$19.55M
Current Ratio
0.64
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data