B+
Bull case
20%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
FVCB
FVCBankcorpDNasdaq / 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
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -1.2.
What can break
Deposit outflows or competitive deposit pricing
Momentum
63
Value
51
Sentiment
49
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $19.38
Why
Momentum63 · Δ7d -0.8
Value51 · Δ7d -0.0
Sentiment49 · Δ7d -1.2
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -1.2.
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: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-8.7
Value
51
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
49
62% active weight
Current posture
7d trendSoftening
Δ7d
-1.2
Δ21d
+1.3
Why this grade
Composite grade D. Momentum 63.2 / Value 51.5 / Sentiment 49.0
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 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$337.96M
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data