$15.71

-0.04 (-0.25%)

Weekly Expected Move ±2.0%

$15 $15 $15 $16 $16

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 55 · $282.7M mcap · 13M float · 1.04% daily turnover · Short 33% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

49.3 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 20.0% · 5Y Avg: 13.7%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. FVCB shows a Weak competitive edge (49.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 20.0% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$19

Low

$19

Avg Target

$19

High

Based on 1 analyst since Apr 21, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$19.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-04	Piper Sandler	—	$18	$19	+1	+20.4%	$15.78
2026-02-12	Piper Sandler	—	Initiated	$18	—	+13.9%	$15.80

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FVCB receives an overall rating of B+. Strongest factors: DCF (4/5). Areas of concern: P/E (2/5).

Rating Change History

Date	From	To
2026-05-14	B	B+
2026-05-11	A-	B
2026-04-27	B+	A-
2026-04-24	A-	B+
2026-04-23	B+	A-
2026-04-14	A-	B+
2026-04-01	B+	A-
2026-01-28	B	B+
2026-01-26	B+	B
2026-01-20	A-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 60 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. FVCB scores highest in Cash Flow (87/100) and lowest in Balance Sheet (47/100). An overall grade of A+ places FVCB among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.43

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-2.82

Unlikely Manipulator

Ohlson O-Score

-3.72

Bankruptcy prob: 2.4%

Low Risk

Credit Rating

Score: 71.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.12x

Accruals: -0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. FVCB scores 2.43, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FVCB scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FVCB's score of -2.82 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FVCB's implied 2.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FVCB receives an estimated rating of A (score: 71.1/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FVCB's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

12.10x

PEG

0.48x

P/S

2.59x

P/B

1.08x

P/FCF

10.56x

P/OCF

10.55x

EV/EBITDA

4.58x

EV/Revenue

1.23x

EV/EBIT

4.61x

EV/FCF

5.17x

Earnings Yield

8.46%

FCF Yield

9.47%

Shareholder Yield

3.61%

Graham Number

$20.12

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 12.1x earnings, FVCB trades at a reasonable valuation. An earnings yield of 8.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $20.12 per share, suggesting a potential 28% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.773

NI / EBT

Interest Burden

1.030

EBT / EBIT

EBIT Margin

0.267

EBIT / Rev

Asset Turnover

0.049

Rev / Assets

Equity Multiplier

9.185

Assets / Equity

ROE

9.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FVCB's ROE of 9.5% is driven by financial leverage (equity multiplier: 9.19x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

7.38%

Fair P/E

23.27x

Intrinsic Value

$29.91

Price/Value

0.51x

Margin of Safety

49.21%

Premium

-49.21%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FVCB's realized 7.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $29.91, FVCB appears undervalued with a 49% margin of safety. The adjusted fair P/E of 23.3x compares to the current market P/E of 12.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$15.71

Median 1Y

$14.54

5th Pctile

$6.61

95th Pctile

$31.86

Ann. Volatility

45.0%

Analyst Target

$19.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David W. Pijor, Chief Executive Officer	$877,500	$208,800	$1,752,246
Patricia A. Ferrick, President	$526,500	$156,600	$1,035,743
Michael G. Nassy, Senior Executive Vice President & Chief Credit Officer	$366,332	$107,800	$598,463

CEO Pay Ratio

9:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,752,246

Avg Employee Cost (SGA/emp): $186,832

Employees: 119

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

119

+8.2% YoY

Revenue / Employee

$1,025,496

Rev: $122,034,000

Profit / Employee

$185,353

NI: $22,057,000

SGA / Employee

$186,832

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	10.6%	11.1%	11.0%	11.5%	12.1%	13.3%	12.1%	9.2%	8.2%	6.7%	1.8%	2.2%	2.1%	2.4%	6.7%	8.3%	9.0%	9.4%	9.0%	9.5%	9.52%
ROA	1.2%	1.2%	1.1%	1.1%	1.2%	1.3%	1.1%	0.8%	0.7%	0.6%	0.2%	0.2%	0.2%	0.2%	0.7%	0.9%	0.9%	1.0%	1.0%	1.0%	1.04%
ROIC	5.6%	5.8%	-6.6%	-6.9%	-7.3%	-8.0%	18.1%	13.8%	12.2%	10.0%	3.9%	4.6%	4.5%	5.2%	23.4%	29.4%	31.7%	33.2%	19.5%	20.0%	19.95%
ROCE	10.2%	10.7%	11.7%	12.1%	12.7%	14.0%	13.3%	10.0%	8.9%	7.2%	1.7%	3.5%	3.5%	3.8%	8.1%	8.7%	9.4%	9.9%	2.4%	2.5%	2.46%
Gross Margin	84.7%	83.4%	90.5%	85.8%	82.3%	81.4%	66.0%	44.1%	50.9%	52.0%	24.3%	47.1%	47.3%	48.6%	50.0%	51.0%	54.2%	53.3%	53.8%	1.0%	1.00%
Operating Margin	39.2%	34.9%	46.2%	44.4%	41.6%	43.2%	24.6%	0.7%	19.9%	18.8%	-35.7%	17.2%	19.4%	20.9%	22.2%	22.8%	24.0%	23.8%	23.5%	42.3%	42.31%
Net Margin	30.4%	26.7%	35.4%	37.3%	33.3%	33.3%	20.3%	3.0%	15.5%	14.5%	-27.4%	5.1%	15.1%	16.2%	17.1%	18.5%	18.8%	18.4%	17.9%	36.7%	36.69%
EBITDA Margin	40.5%	36.0%	47.3%	45.4%	42.5%	44.4%	24.9%	1.4%	20.5%	19.4%	-35.0%	17.7%	19.8%	21.3%	22.5%	23.2%	24.3%	24.1%	23.5%	42.3%	42.31%
FCF Margin	24.8%	-5.1%	14.2%	10.9%	13.1%	43.4%	27.0%	24.9%	22.8%	20.1%	17.0%	20.7%	19.2%	17.5%	16.2%	14.5%	15.7%	18.0%	19.9%	23.8%	23.81%
OCF Margin	25.3%	-4.4%	14.9%	11.6%	13.6%	43.7%	27.2%	25.1%	23.0%	20.2%	17.2%	20.8%	19.4%	17.7%	16.3%	14.6%	15.8%	18.0%	19.9%	23.8%	23.84%
ROE 3Y Avg	snapshot only																				6.43%
ROE 5Y Avg	snapshot only																				7.93%
ROA 3Y Avg	snapshot only																				0.69%
ROIC 3Y Avg	snapshot only																				10.68%
ROIC Economic	snapshot only																				8.36%
Cash ROA	snapshot only																				1.14%
Cash ROIC	snapshot only																				23.02%
CROIC	snapshot only																				22.99%
NOPAT Margin	snapshot only																				20.66%
Pretax Margin	snapshot only																				27.53%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				24.71%
SBC / Revenue	snapshot only																				-0.20%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	12.66	14.18	13.03	13.17	11.44	10.55	11.19	10.16	11.47	16.81	67.34	48.68	44.46	46.79	15.30	10.24	10.46	11.01	11.44	11.82	12.101
P/S Ratio	3.61	4.19	4.07	4.28	3.80	3.66	3.40	2.26	2.06	2.32	2.73	2.21	1.98	2.35	2.07	1.71	1.85	2.00	2.10	2.52	2.585
P/B Ratio	1.31	1.53	1.36	1.44	1.32	1.34	1.38	0.95	0.95	1.15	1.19	1.02	0.91	1.10	0.98	0.82	0.91	1.00	0.99	1.08	1.082
P/FCF	14.55	-81.88	28.64	39.34	29.00	8.43	12.58	9.11	9.07	11.56	16.03	10.68	10.29	13.46	12.74	11.82	11.77	11.14	10.60	10.56	10.565
P/OCF	14.29	—	27.32	36.95	27.87	8.39	12.48	9.03	8.99	11.46	15.82	10.60	10.19	13.31	12.64	11.72	11.71	11.11	10.57	10.55	10.552
EV/EBITDA	2.41	3.83	-8.84	-8.03	-8.49	-7.63	6.78	5.37	6.01	9.66	28.83	11.16	8.85	12.24	2.61	0.91	1.60	2.31	3.93	4.58	4.584
EV/Revenue	0.91	1.50	-3.66	-3.40	-3.64	-3.42	2.61	1.51	1.37	1.67	1.47	1.03	0.80	1.18	0.53	0.20	0.37	0.54	0.93	1.23	1.232
EV/EBIT	2.50	3.96	-9.11	-8.25	-8.70	-7.82	6.93	5.52	6.19	9.97	32.88	11.87	9.39	12.87	2.66	0.92	1.63	2.34	3.96	4.61	4.611
EV/FCF	3.66	-29.30	-25.76	-31.26	-27.77	-7.88	9.67	6.06	6.03	8.33	8.67	4.97	4.16	6.78	3.28	1.36	2.33	3.02	4.70	5.17	5.174
Earnings Yield	7.9%	7.1%	7.7%	7.6%	8.7%	9.5%	8.9%	9.8%	8.7%	5.9%	1.5%	2.1%	2.2%	2.1%	6.5%	9.8%	9.6%	9.1%	8.7%	8.5%	8.46%
FCF Yield	6.9%	-1.2%	3.5%	2.5%	3.4%	11.9%	8.0%	11.0%	11.0%	8.7%	6.2%	9.4%	9.7%	7.4%	7.9%	8.5%	8.5%	9.0%	9.4%	9.5%	9.47%
PEG Ratio	snapshot only																				0.479
Price/Tangible Book	snapshot only																				1.117
EV/OCF	snapshot only																				5.168
EV/Gross Profit	snapshot only																				2.016
Acquirers Multiple	snapshot only																				4.611
Shareholder Yield	snapshot only																				3.61%
Graham Number	snapshot only																				$20.12

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.18	0.18	0.31	0.31	0.31	0.31	0.18	0.18	0.18	0.18	0.13	0.13	0.13	0.13	0.14	0.14	0.14	0.14	0.14	0.14	0.144
Quick Ratio	0.18	0.18	0.31	0.31	0.31	0.31	0.18	0.18	0.18	0.18	0.13	0.13	0.13	0.13	0.14	0.14	0.14	0.14	0.14	0.14	0.144
Debt/Equity	0.43	0.43	0.27	0.27	0.27	0.27	1.46	1.46	1.46	1.46	0.52	0.52	0.52	0.52	0.32	0.32	0.32	0.32	0.07	0.07	0.074
Net Debt/Equity	-0.98	-0.98	-2.59	-2.59	-2.59	-2.59	-0.32	-0.32	-0.32	-0.32	-0.54	-0.54	-0.54	-0.54	-0.73	-0.73	-0.73	-0.73	-0.55	-0.55	-0.553
Debt/Assets	0.04	0.04	0.03	0.03	0.03	0.03	0.13	0.13	0.13	0.13	0.05	0.05	0.05	0.05	0.03	0.03	0.03	0.03	0.01	0.01	0.008
Debt/EBITDA	3.13	3.00	1.91	1.86	1.78	1.62	9.31	12.34	13.84	17.04	23.58	12.35	12.57	11.61	3.36	3.11	2.89	2.77	0.66	0.64	0.638
Net Debt/EBITDA	-7.18	-6.87	-18.68	-18.13	-17.36	-15.80	-2.04	-2.70	-3.03	-3.74	-24.49	-12.83	-13.06	-12.06	-7.52	-6.97	-6.48	-6.21	-4.92	-4.78	-4.776
Interest Coverage	2.17	2.33	2.69	2.94	3.19	3.28	2.01	0.95	0.59	0.37	0.08	0.16	0.15	0.16	0.39	0.42	0.46	0.49	0.52	0.71	0.711
Equity Multiplier	9.61	9.61	10.50	10.50	10.50	10.50	11.58	11.58	11.58	11.58	10.09	10.09	10.09	10.09	9.34	9.34	9.34	9.34	9.04	9.04	9.039
Cash Ratio	snapshot only																				0.144
Debt Service Coverage	snapshot only																				0.715
Cash to Debt	snapshot only																				8.486
FCF to Debt	snapshot only																				1.389
Defensive Interval	snapshot only																				1643.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.049
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	10.40	10.46	8.16	8.21	8.48	8.90	9.40	9.74	10.66	11.42	9.55	10.14	10.16	10.26	10.81	10.96	11.20	11.35	11.65	10.62	10.621
Payables Turnover	21.24	18.20	11.61	11.36	12.34	13.53	15.69	23.54	32.23	40.42	28.42	29.76	30.35	31.14	23.47	23.33	23.04	22.77	44.88	33.94	33.942
DSO	35	35	45	44	43	41	39	37	34	32	38	36	36	36	34	33	33	32	31	34	34.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	17	20	31	32	30	27	23	16	11	9	13	12	12	12	16	16	16	16	8	11	10.8 days
Cash Conversion Cycle	18	15	13	12	13	14	16	22	23	23	25	24	24	24	18	18	17	16	23	24	23.6 days
Fixed Asset Turnover	snapshot only																				157.795
Cash Velocity	snapshot only																				0.687
Capital Intensity	snapshot only																				20.962

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	0.6%	1.7%	2.6%	3.3%	6.1%	10.7%	17.3%	20.7%	27.9%	30.6%	14.6%	17.5%	7.5%	1.4%	18.2%	12.8%	15.2%	15.6%	7.5%	-3.3%	-3.28%
Net Income	36.0%	43.8%	41.5%	32.5%	23.5%	30.2%	13.9%	-17.3%	-30.7%	-48.1%	-84.7%	-76.1%	-73.4%	-63.1%	2.9%	3.2%	3.6%	3.2%	46.4%	23.2%	23.24%
EPS	30.4%	36.7%	36.3%	30.9%	20.6%	28.8%	12.9%	-16.9%	-28.7%	-47.6%	-84.5%	-76.1%	-73.8%	-63.4%	2.9%	3.1%	3.6%	3.2%	49.3%	25.7%	25.67%
FCF	-12.9%	-1.2%	-46.3%	-57.4%	-44.0%	10.4%	1.2%	1.8%	1.2%	-39.7%	-27.8%	-2.3%	-9.2%	-11.8%	12.7%	-21.0%	-6.0%	19.0%	31.6%	59.2%	59.23%
EBITDA	35.9%	44.1%	41.0%	30.6%	20.7%	26.9%	9.0%	-20.2%	-31.9%	-49.6%	-84.8%	-61.4%	-57.5%	-43.3%	3.7%	1.7%	1.9%	1.8%	25.4%	19.7%	19.75%
Op. Income	38.3%	47.0%	43.5%	32.6%	22.2%	28.1%	9.9%	-20.2%	-32.3%	-50.0%	-86.3%	-62.7%	-58.7%	-44.4%	4.3%	1.8%	2.0%	1.9%	26.7%	21.1%	21.13%
OCF Growth	snapshot only																				58.04%
Asset Growth	snapshot only																				4.24%
Equity Growth	snapshot only																				7.75%
Debt Growth	snapshot only																				-75.44%
Shares Change	snapshot only																				-1.93%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	13.8%	11.7%	9.9%	6.9%	5.1%	4.6%	6.4%	7.2%	10.9%	13.7%	11.3%	13.6%	13.4%	13.6%	16.7%	17.0%	16.6%	15.2%	13.4%	8.6%	8.65%
Revenue 5Y	21.3%	19.1%	16.6%	14.4%	13.9%	13.9%	13.8%	13.9%	14.8%	15.0%	12.3%	11.6%	9.8%	8.7%	10.3%	10.3%	11.1%	11.5%	11.9%	9.8%	9.84%
EPS 3Y	20.5%	18.6%	26.5%	25.1%	23.5%	25.6%	16.6%	6.6%	3.9%	-2.7%	-38.0%	-36.2%	-39.2%	-37.3%	-12.0%	-6.4%	-5.0%	-6.6%	-3.5%	7.4%	7.38%
EPS 5Y	18.8%	19.7%	18.6%	17.1%	18.4%	19.9%	22.5%	13.4%	8.5%	2.4%	-18.8%	-17.2%	-18.8%	-17.6%	-0.9%	3.6%	6.2%	7.5%	6.7%	6.1%	6.14%
Net Income 3Y	28.2%	25.0%	26.4%	24.9%	23.7%	25.3%	16.4%	6.7%	5.2%	-1.0%	-37.3%	-36.0%	-39.0%	-37.1%	-11.8%	-6.3%	-5.6%	-7.1%	-4.1%	7.0%	7.02%
Net Income 5Y	26.4%	26.8%	25.9%	25.1%	25.4%	25.9%	26.6%	17.8%	12.5%	5.7%	-18.9%	-17.4%	-19.0%	-17.7%	-1.0%	3.9%	7.2%	8.4%	7.3%	6.1%	6.07%
EBITDA 3Y	18.7%	17.9%	28.4%	24.7%	22.4%	23.9%	14.6%	5.1%	3.8%	-2.7%	-38.4%	-26.2%	-29.6%	-28.7%	-7.9%	-6.4%	-5.5%	-7.1%	-3.4%	7.1%	7.13%
EBITDA 5Y	61.7%	41.1%	30.1%	21.9%	21.9%	22.3%	16.6%	9.8%	6.6%	0.9%	-18.9%	-9.8%	-11.9%	-11.5%	1.6%	3.6%	6.7%	8.0%	6.7%	5.1%	5.10%
Gross Profit 3Y	15.7%	15.2%	15.7%	13.1%	11.6%	11.3%	10.2%	6.8%	6.4%	4.6%	-4.9%	-4.4%	-6.9%	-8.5%	-3.6%	-2.9%	-1.9%	-2.0%	-0.3%	4.8%	4.75%
Gross Profit 5Y	17.2%	17.7%	17.4%	16.5%	16.1%	15.9%	13.7%	11.1%	9.6%	7.3%	1.6%	1.5%	-0.2%	-1.4%	2.3%	3.1%	4.8%	5.6%	5.4%	5.2%	5.17%
Op. Income 3Y	18.2%	17.8%	29.1%	25.7%	23.6%	25.4%	15.7%	5.9%	4.6%	-2.0%	-40.1%	-26.7%	-30.1%	-29.1%	-7.5%	-6.1%	-5.2%	-6.7%	-3.0%	7.9%	7.93%
Op. Income 5Y	20.8%	21.4%	21.8%	21.2%	21.3%	21.7%	16.4%	9.5%	6.5%	0.9%	-20.2%	-10.0%	-12.0%	-11.3%	2.2%	4.3%	7.6%	8.8%	7.5%	5.9%	5.86%
FCF 3Y	19.8%	—	-7.5%	-18.1%	-17.4%	20.6%	3.4%	-1.2%	2.7%	4.1%	-4.8%	4.6%	4.2%	—	21.9%	28.6%	23.8%	-14.1%	2.3%	7.1%	7.11%
FCF 5Y	25.3%	—	10.9%	3.5%	6.4%	32.7%	17.1%	14.2%	16.4%	12.4%	5.0%	8.2%	2.6%	-1.4%	-2.1%	-5.7%	-1.5%	3.4%	5.1%	7.6%	7.59%
OCF 3Y	18.5%	—	-7.8%	-17.6%	-17.1%	19.9%	3.2%	-1.4%	2.3%	3.7%	-4.9%	4.5%	3.9%	—	20.3%	26.3%	22.4%	-14.2%	2.1%	6.8%	6.83%
OCF 5Y	24.7%	—	11.0%	4.0%	6.6%	32.4%	16.7%	13.6%	15.5%	11.3%	4.0%	7.4%	2.2%	-1.6%	-2.2%	-5.9%	-1.9%	3.1%	4.7%	7.4%	7.37%
Assets 3Y	20.0%	20.0%	17.7%	17.7%	17.7%	17.7%	15.1%	15.1%	15.1%	15.1%	6.3%	6.3%	6.3%	6.3%	-0.1%	-0.1%	-0.1%	-0.1%	-0.7%	-0.7%	-0.75%
Assets 5Y	19.8%	19.8%	19.4%	19.4%	19.4%	19.4%	17.4%	17.4%	17.4%	17.4%	10.1%	10.1%	10.1%	10.1%	7.4%	7.4%	7.4%	7.4%	4.7%	4.7%	4.71%
Equity 3Y	24.5%	24.5%	9.8%	9.8%	9.8%	9.8%	4.2%	4.2%	4.2%	4.2%	4.6%	4.6%	4.6%	4.6%	3.9%	3.9%	3.9%	3.9%	7.8%	7.8%	7.81%
Book Value 3Y	17.0%	18.1%	9.9%	10.0%	9.7%	10.1%	4.3%	4.1%	2.9%	2.4%	3.4%	4.4%	4.3%	4.3%	3.6%	3.8%	4.5%	4.4%	8.5%	8.2%	8.18%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.93	0.90	0.89	0.87	0.86	0.85	0.89	0.89	0.90	0.89	0.96	0.90	0.86	0.81	0.85	0.87	0.91	0.92	0.97	0.93	0.926
Earnings Stability	0.96	0.94	0.93	0.96	0.96	0.92	0.96	0.82	0.61	0.31	0.00	0.03	0.06	0.07	0.07	0.05	0.03	0.03	0.00	0.00	0.001
Margin Stability	0.87	0.89	0.91	0.91	0.91	0.91	0.92	0.90	0.87	0.83	0.78	0.78	0.76	0.73	0.72	0.74	0.74	0.73	0.75	0.79	0.786
Rev. Growth Consistency	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	0	1	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.86	0.82	0.83	0.87	0.91	0.88	0.94	0.93	0.88	0.81	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.81	0.91	0.907
Earnings Smoothness	0.70	0.64	0.66	0.72	0.79	0.74	0.87	0.81	0.64	0.37	0.00	0.00	0.00	0.08	0.00	0.00	0.00	0.00	0.62	0.79	0.792
ROE Trend	0.02	0.03	0.02	0.02	0.02	0.03	0.03	-0.01	-0.03	-0.05	-0.10	-0.08	-0.08	-0.07	-0.01	0.02	0.03	0.04	0.05	0.04	0.041
Gross Margin Trend	0.10	0.14	0.15	0.14	0.11	0.09	-0.01	-0.13	-0.23	-0.30	-0.37	-0.32	-0.29	-0.26	-0.13	-0.08	-0.01	0.04	0.07	0.14	0.139
FCF Margin Trend	-0.03	-0.32	-0.14	-0.18	-0.14	0.33	0.06	0.06	0.04	0.01	-0.04	0.03	0.01	-0.14	-0.06	-0.08	-0.05	-0.01	0.03	0.06	0.063
Sustainable Growth Rate	10.6%	11.1%	11.0%	11.5%	12.1%	13.3%	12.1%	9.2%	8.2%	6.7%	1.8%	2.2%	2.1%	2.4%	6.7%	8.3%	9.0%	8.9%	8.1%	8.2%	8.20%
Internal Growth Rate	1.2%	1.2%	1.1%	1.2%	1.2%	1.3%	1.1%	0.8%	0.7%	0.6%	0.2%	0.2%	0.2%	0.2%	0.7%	0.9%	0.9%	0.9%	0.9%	0.9%	0.90%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.89	-0.15	0.48	0.36	0.41	1.26	0.90	1.13	1.28	1.47	4.26	4.59	4.36	3.52	1.21	0.87	0.89	0.99	1.08	1.12	1.120
FCF/OCF	0.98	1.16	0.95	0.94	0.96	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	1.00	1.00	1.00	0.999
FCF/Net Income	snapshot only																				1.119
OCF/EBITDA	snapshot only																				0.887
CapEx/Revenue	0.5%	0.7%	0.7%	0.7%	0.5%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.04%
CapEx/Depreciation	snapshot only																				0.256
Accruals Ratio	0.00	0.01	0.01	0.01	0.01	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	0.00	0.00	0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				0.319
Cash Flow Adequacy	snapshot only																				7.936
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	0.9%	1.2%	1.59%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.06	$0.12	$0.18	$0.25
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	5.1%	9.8%	13.9%	13.93%
FCF Payout Ratio	0.0%	—	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	5.1%	9.1%	12.5%	12.45%
Total Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	6.4%	8.6%	10.5%	38.2%	5.3%	0.3%	0.2%	0.0%	0.0%	22.7%	26.8%	40.1%	42.6%	42.61%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.6%	0.8%	0.6%	0.6%	0.1%	0.0%	0.0%	0.0%	0.0%	2.2%	2.0%	2.6%	2.4%	2.43%
Net Buyback Yield	-0.4%	-0.4%	-0.4%	-0.6%	-0.7%	-0.6%	-0.6%	-0.1%	-0.2%	-0.2%	-0.1%	-0.3%	-0.8%	-0.7%	0.0%	-0.1%	1.6%	1.5%	2.4%	2.2%	2.19%
Total Shareholder Return	-0.4%	-0.4%	-0.4%	-0.6%	-0.7%	-0.6%	-0.6%	-0.1%	-0.2%	-0.2%	-0.1%	-0.3%	-0.8%	-0.7%	0.0%	-0.1%	1.6%	2.0%	3.3%	3.4%	3.37%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.79	0.78	0.78	0.79	0.79	0.79	0.81	0.82	0.81	0.82	0.90	0.52	0.52	0.55	0.68	0.78	0.78	0.78	0.78	0.77	0.773
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.03	1.030
EBIT Margin	0.36	0.38	0.40	0.41	0.42	0.44	0.38	0.27	0.22	0.17	0.04	0.09	0.09	0.09	0.20	0.21	0.23	0.23	0.24	0.27	0.267
Asset Turnover	0.04	0.04	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.049
Equity Multiplier	9.11	9.11	10.08	10.08	10.08	10.08	11.03	11.03	11.03	11.03	10.81	10.81	10.81	10.81	9.70	9.70	9.70	9.70	9.19	9.19	9.185

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.08	$1.12	$1.20	$1.25	$1.30	$1.44	$1.35	$1.04	$0.93	$0.76	$0.21	$0.25	$0.24	$0.28	$0.81	$1.02	$1.12	$1.17	$1.22	$1.29	$1.29
Book Value/Share	$10.44	$10.38	$11.45	$11.41	$11.29	$11.36	$10.95	$11.06	$11.21	$11.07	$11.87	$11.85	$11.84	$11.78	$12.73	$12.74	$12.89	$12.95	$13.98	$14.00	$14.52
Tangible Book/Share	$9.98	$9.92	$11.01	$10.97	$10.85	$10.93	$10.52	$10.64	$10.78	$10.65	$11.45	$11.44	$11.42	$11.37	$12.33	$12.34	$12.49	$12.54	$13.58	$13.60	$13.60
Revenue/Share	$3.79	$3.79	$3.83	$3.84	$3.93	$4.15	$4.45	$4.66	$5.17	$5.47	$5.16	$5.47	$5.47	$5.50	$6.03	$6.12	$6.33	$6.44	$6.61	$6.04	$6.10
FCF/Share	$0.94	$-0.19	$0.54	$0.42	$0.51	$1.80	$1.20	$1.16	$1.18	$1.10	$0.88	$1.13	$1.05	$0.96	$0.98	$0.89	$0.99	$1.16	$1.31	$1.44	$1.45
OCF/Share	$0.96	$-0.17	$0.57	$0.45	$0.54	$1.81	$1.21	$1.17	$1.19	$1.11	$0.89	$1.14	$1.06	$0.97	$0.99	$0.89	$1.00	$1.16	$1.32	$1.44	$1.45
Cash/Share	$14.73	$14.63	$32.66	$32.54	$32.20	$32.42	$19.45	$19.66	$19.91	$19.68	$12.69	$12.67	$12.65	$12.59	$13.38	$13.40	$13.55	$13.61	$8.77	$8.79	$0.53
EBITDA/Share	$1.43	$1.48	$1.59	$1.63	$1.68	$1.86	$1.71	$1.31	$1.18	$0.95	$0.26	$0.50	$0.49	$0.53	$1.23	$1.33	$1.45	$1.52	$1.57	$1.62	$1.62
Debt/Share	$4.48	$4.45	$3.04	$3.02	$2.99	$3.01	$15.95	$16.12	$16.33	$16.14	$6.22	$6.22	$6.21	$6.18	$4.13	$4.13	$4.18	$4.20	$1.03	$1.04	$1.04
Net Debt/Share	$-10.25	$-10.18	$-29.63	$-29.52	$-29.21	$-29.40	$-3.50	$-3.53	$-3.58	$-3.54	$-6.46	$-6.46	$-6.45	$-6.42	$-9.25	$-9.26	$-9.37	$-9.41	$-7.74	$-7.75	$-7.75

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.426
Altman Z-Prime	snapshot only																				-2.263
Piotroski F-Score	6	5	6	6	5	7	5	6	6	6	5	5	4	4	8	7	8	8	9	8	8
Beneish M-Score	-1.46	-1.37	-2.65	-2.57	-2.50	-2.52	-1.97	-1.73	-1.83	-1.90	-1.47	-2.38	-2.38	-2.37	-2.52	-2.51	-2.53	-2.52	-2.48	-2.82	-2.821
Ohlson O-Score	snapshot only																				-3.716
Net-Net WC	snapshot only																				$-103.78
EVA	snapshot only																				$11272011.19

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A
Credit Score	60.54	54.61	62.03	61.58	65.68	85.77	49.21	43.42	42.06	39.66	35.67	36.84	36.72	36.79	50.45	55.03	54.70	59.95	70.68	71.09	71.086
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				16.054
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				64
Sector Credit Rank	snapshot only																				61

FVCB NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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