$17.79

+0.19 (+1.08%)

Weekly Expected Move ±2.5%

$17 $17 $18 $18 $19

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 41 · $320.2M mcap · 13M float · 1.29% daily turnover · Short 38% 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.

NO EDGE

38.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 9.1% · 5Y Avg: 6.7%

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 has No discernible competitive edge (38.1/100). The business operates without significant structural advantages. The primary source of advantage is Intangible Assets. ROIC of 9.1% suggests modest returns relative to capital deployed.

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

Low

$18

Avg Target

$18

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$18.50

Analysts2

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.

A-

Oct 02, 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 A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-09-10	B+	B
2026-08-14	A-	B+
2026-07-25	B+	A-
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+

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 (94/100) and lowest in Growth (42/100). 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

2.19

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✗

Beneish M-Score

0.32

Possible Manipulator

Ohlson O-Score

-4.83

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

A+

Score: 75.5/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.23x

Accruals: -0.3%

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 2.19, 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 7/9, 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 0.32 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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 0.8% 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: 75.5/100), 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

12.35x

PEG

0.42x

P/S

3.35x

P/B

1.21x

P/FCF

10.03x

P/OCF

10.02x

EV/EBITDA

9.98x

EV/Revenue

3.51x

EV/EBIT

10.07x

EV/FCF

10.60x

Earnings Yield

8.13%

FCF Yield

9.97%

Shareholder Yield

2.72%

Graham Number

$21.63

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 12.4x earnings, FVCB trades at a reasonable valuation. An earnings yield of 8.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $21.63 per share, suggesting a potential 22% 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

0.775

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.349

EBIT / Rev

Asset Turnover

0.042

Rev / Assets

Equity Multiplier

9.055

Assets / Equity

ROE

10.2%

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 10.2% is driven by financial leverage (equity multiplier: 9.05x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$54.77

Price/Value

0.32x

Margin of Safety

68.05%

Premium

-68.05%

Assessment

Neutral

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 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FVCB actually compounded EPS at 15.2% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. FVCB trades at a -68% premium to its adjusted intrinsic value of $54.77, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 12.4x.

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

$17.79

Median 1Y

$16.76

5th Pctile

$7.64

95th Pctile

$36.62

Ann. Volatility

44.8%

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

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	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	Q2'26	Current
ROE	10.5%	11.0%	11.6%	12.2%	13.3%	12.1%	9.4%	8.2%	6.8%	1.8%	2.1%	2.0%	2.3%	6.7%	8.2%	8.7%	8.9%	9.0%	9.3%	10.2%	10.16%
ROA	1.1%	1.1%	1.2%	1.1%	1.3%	1.1%	0.9%	0.7%	0.6%	0.2%	0.2%	0.2%	0.2%	0.7%	0.9%	0.9%	0.9%	1.0%	1.0%	1.1%	1.12%
ROIC	-12.6%	-6.6%	-10.8%	-16.4%	-52.6%	18.1%	-12.6%	-25.6%	-19.0%	3.9%	2.5%	-6.2%	-6.0%	23.4%	-1.3%	15.2%	45.8%	19.5%	8.3%	9.1%	9.12%
ROCE	11.1%	11.7%	12.6%	13.4%	14.9%	13.3%	5.5%	8.6%	5.8%	1.7%	2.8%	2.7%	2.8%	8.1%	7.3%	7.8%	8.0%	2.4%	1.3%	1.4%	1.41%
Gross Margin	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%	59.0%	86.5%	86.52%
Operating Margin	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%	26.9%	3.5%	3.45%
Net Margin	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%	20.8%	2.7%	2.71%
EBITDA Margin	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%	23.7%	27.1%	3.5%	3.47%
FCF Margin	-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%	21.2%	33.1%	33.13%
OCF Margin	-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%	21.3%	33.2%	33.17%
ROE 3Y Avg	snapshot only																				6.70%
ROE 5Y Avg	snapshot only																				8.06%
ROA 3Y Avg	snapshot only																				0.73%
ROIC 3Y Avg	snapshot only																				5.48%
ROIC Economic	snapshot only																				8.80%
Cash ROA	snapshot only																				1.34%
Cash ROIC	snapshot only																				11.20%
CROIC	snapshot only																				11.18%
NOPAT Margin	snapshot only																				27.02%
Pretax Margin	snapshot only																				34.88%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				34.37%
SBC / Revenue	snapshot only																				1.02%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	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	12.30	12.354
P/S Ratio	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	2.24	3.32	3.349
P/B Ratio	1.42	1.36	1.51	1.40	1.44	1.38	0.95	0.91	1.10	1.19	1.00	0.88	1.03	0.98	0.80	0.88	0.94	0.99	1.06	1.20	1.208
P/FCF	-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	10.57	10.03	10.035
P/OCF	—	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	10.02	10.021
EV/EBITDA	-2.85	-8.84	-3.72	-2.18	1.03	6.78	-6.75	-3.94	-3.01	28.83	0.24	-11.06	-7.84	2.61	-2.58	3.95	1.14	3.92	9.74	9.98	9.983
EV/Revenue	-1.11	-3.66	-1.58	-0.93	0.46	2.61	-1.89	-0.90	-0.52	1.47	0.02	-1.00	-0.76	0.53	-0.56	0.90	0.27	0.93	2.41	3.51	3.512
EV/EBIT	-2.95	-9.11	-3.83	-2.23	1.06	6.93	-6.94	-4.06	-3.10	32.88	0.26	-11.73	-8.24	2.66	-2.62	4.01	1.15	3.96	9.84	10.07	10.069
EV/FCF	21.81	-25.76	-14.49	-7.13	1.06	9.67	-7.61	-3.95	-2.59	8.67	0.11	-5.19	-4.34	3.28	-3.87	5.75	1.49	4.70	11.38	10.60	10.600
Earnings Yield	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%	8.1%	8.13%
FCF Yield	-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%	10.0%	9.97%
PEG Ratio	snapshot only																				0.416
Price/Tangible Book	snapshot only																				1.231
EV/OCF	snapshot only																				10.586
EV/Gross Profit	snapshot only																				6.232
Acquirers Multiple	snapshot only																				10.069
Shareholder Yield	snapshot only																				2.72%
Graham Number	snapshot only																				$21.63

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	0.25	0.31	0.26	0.25	0.18	0.18	0.21	0.15	0.16	0.13	0.14	0.17	0.18	0.14	0.16	0.08	0.12	0.14	3.28	2.16	2.155
Quick Ratio	0.25	0.31	0.26	0.25	0.18	0.18	0.21	0.15	0.16	0.13	0.14	0.17	0.18	0.14	0.16	0.08	0.12	0.14	3.28	2.16	2.155
Debt/Equity	0.27	0.27	0.28	0.86	0.54	1.46	0.15	0.14	0.14	0.52	0.13	0.12	0.12	0.32	0.11	0.11	0.10	0.07	0.12	0.11	0.114
Net Debt/Equity	-1.80	-2.59	-2.06	-1.75	-1.26	-0.32	-1.74	-1.31	-1.34	-0.54	-0.99	-1.32	-1.37	-0.73	-1.06	-0.45	-0.81	-0.55	0.08	0.07	0.068
Debt/Assets	0.03	0.03	0.03	0.07	0.05	0.13	0.01	0.01	0.01	0.05	0.01	0.01	0.01	0.03	0.01	0.01	0.01	0.01	0.01	0.01	0.013
Debt/EBITDA	2.07	1.91	1.85	5.43	3.06	9.31	1.26	1.39	1.69	23.58	3.09	3.10	2.79	3.36	1.06	0.98	0.93	0.66	1.00	0.90	0.897
Net Debt/EBITDA	-13.55	-18.68	-13.82	-11.04	-7.14	-2.04	-14.82	-12.97	-16.40	-24.49	-23.74	-32.97	-32.15	-7.52	-10.46	-4.13	-7.37	-4.91	0.69	0.53	0.533
Interest Coverage	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	0.56	0.64	0.644
Equity Multiplier	9.78	10.50	10.41	11.67	11.33	11.58	11.51	11.11	10.91	10.09	9.89	10.15	9.93	9.34	9.25	9.20	9.28	9.04	8.97	8.92	8.921
Cash Ratio	snapshot only																				2.155
Debt Service Coverage	snapshot only																				0.649
Cash to Debt	snapshot only																				0.406
FCF to Debt	snapshot only																				1.050
Defensive Interval	snapshot only																				167.6 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	0.04	0.03	0.04	0.03	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	0.04	0.042
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	7.87	8.16	8.31	8.81	9.08	9.40	9.47	10.04	10.75	9.55	9.79	9.43	9.73	10.81	10.93	11.01	11.34	11.65	11.87	9.39	9.388
Payables Turnover	11.16	11.61	7.81	13.69	11.52	15.69	18.89	21.94	24.01	28.42	23.97	16.95	18.08	23.47	22.19	18.93	18.64	44.88	25.14	17.73	17.727
DSO	46	45	44	41	40	39	39	36	34	38	37	39	38	34	33	33	32	31	31	39	38.9 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	33	31	47	27	32	23	19	17	15	13	15	22	20	16	16	19	20	8	15	21	20.6 days
Cash Conversion Cycle	14	13	-3	15	8	16	19	20	19	25	22	17	17	18	17	14	13	23	16	18	18.3 days
Fixed Asset Turnover	snapshot only																				150.551
Cash Velocity	snapshot only																				7.810
Capital Intensity	snapshot only																				24.761

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	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%	8.5%	-17.3%	-17.30%
Net Income	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%	26.6%	26.64%
EPS	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%	27.3%	27.31%
FCF	-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%	74.7%	74.69%
EBITDA	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%	25.7%	23.9%	27.3%	27.33%
Op. Income	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%	24.8%	28.1%	28.14%
OCF Growth	snapshot only																				73.94%
Asset Growth	snapshot only																				5.81%
Equity Growth	snapshot only																				9.12%
Debt Growth	snapshot only																				15.97%
Shares Change	snapshot only																				-0.53%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	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%	12.9%	0.8%	0.81%
Revenue 5Y	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%	12.4%	6.8%	6.81%
EPS 3Y	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%	15.2%	15.21%
EPS 5Y	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%	5.6%	5.64%
Net Income 3Y	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%	15.4%	15.42%
Net Income 5Y	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%	5.7%	5.66%
EBITDA 3Y	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%	8.4%	16.4%	16.41%
EBITDA 5Y	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%	6.8%	5.8%	5.4%	5.35%
Gross Profit 3Y	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%	5.1%	-1.4%	-1.41%
Gross Profit 5Y	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%	5.4%	-0.4%	-0.44%
Op. Income 3Y	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%	9.0%	17.3%	17.28%
Op. Income 5Y	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%	6.5%	5.9%	5.94%
FCF 3Y	—	-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%	14.2%	14.24%
FCF 5Y	—	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%	13.2%	13.15%
OCF 3Y	—	-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%	14.0%	13.96%
OCF 5Y	—	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%	12.8%	12.78%
Assets 3Y	19.3%	17.7%	13.8%	15.8%	12.1%	15.1%	13.6%	9.6%	8.7%	6.3%	5.0%	5.2%	4.7%	-0.1%	2.3%	-1.0%	1.7%	-0.7%	-0.2%	0.3%	0.32%
Assets 5Y	22.1%	19.4%	18.1%	18.9%	17.2%	17.4%	16.8%	15.5%	14.4%	10.1%	9.0%	9.1%	7.9%	7.4%	6.9%	4.7%	5.3%	4.7%	4.4%	3.7%	3.69%
Equity 3Y	13.7%	9.8%	7.0%	5.1%	3.6%	4.2%	4.7%	5.3%	4.6%	4.6%	4.2%	4.1%	4.2%	3.9%	6.5%	7.2%	8.7%	7.8%	8.4%	7.9%	7.93%
Book Value 3Y	7.9%	9.9%	7.2%	5.0%	3.8%	4.3%	4.6%	4.0%	2.9%	3.4%	3.9%	3.7%	3.9%	3.6%	6.3%	7.8%	9.2%	8.5%	8.8%	7.7%	7.73%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	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	0.99	0.61	0.613
Earnings Stability	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	0.00	0.003
Margin Stability	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	0.78	0.77	0.768
Rev. Growth Consistency	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	1.00	0.00	0.000
Earn. Growth Consistency	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	1.00	1.000
FCF Positive Streak	0	1	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	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	0.89	0.893
Earnings Smoothness	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	0.76	0.765
ROE Trend	0.02	0.02	0.03	0.03	0.05	0.03	-0.01	-0.03	-0.05	-0.10	-0.08	-0.08	-0.08	-0.01	0.02	0.03	0.04	0.05	0.04	0.05	0.046
Gross Margin Trend	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	0.08	0.09	0.087
FCF Margin Trend	-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	0.04	0.16	0.157
Sustainable Growth Rate	10.5%	11.0%	11.6%	12.2%	13.3%	12.1%	9.4%	8.2%	6.8%	1.8%	2.1%	2.0%	2.3%	6.7%	8.2%	8.7%	8.4%	8.1%	8.0%	8.4%	8.39%
Internal Growth Rate	1.1%	1.1%	1.2%	1.1%	1.3%	1.1%	0.9%	0.7%	0.6%	0.2%	0.2%	0.2%	0.2%	0.7%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.93%

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	-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	1.23	1.228
FCF/OCF	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	1.00	0.999
FCF/Net Income	snapshot only																				1.226
OCF/EBITDA	snapshot only																				0.943
CapEx/Revenue	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%	0.0%	0.05%
CapEx/Depreciation	snapshot only																				0.153
Accruals Ratio	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	-0.00	-0.003
Sloan Accruals	snapshot only																				0.765
Cash Flow Adequacy	snapshot only																				6.962
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q2'26	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%	0.5%	0.9%	1.2%	1.4%	1.46%
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	$0.06	$0.12	$0.18	$0.25	$0.26
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%	9.8%	13.9%	17.5%	17.46%
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%	5.1%	9.1%	12.5%	14.2%	14.24%
Total Payout Ratio	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%	33.4%	33.40%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	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%	1.3%	1.30%
Net Buyback Yield	-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%	0.8%	0.82%
Total Shareholder Return	-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%	2.2%	2.24%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	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	0.77	0.775
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	1.00	1.000
EBIT Margin	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	0.25	0.35	0.349
Asset Turnover	0.04	0.03	0.04	0.03	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	0.04	0.042
Equity Multiplier	9.76	10.08	10.04	10.75	10.54	11.03	10.96	11.38	11.11	10.81	10.67	10.61	10.40	9.70	9.55	9.66	9.60	9.19	9.10	9.05	9.055

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$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	$1.42	$1.42
Book Value/Share	$11.18	$11.45	$10.92	$10.63	$10.54	$10.95	$11.16	$11.69	$11.56	$11.87	$12.05	$12.35	$12.52	$12.73	$13.12	$13.32	$13.74	$13.98	$14.37	$14.61	$14.73
Tangible Book/Share	$10.73	$11.01	$10.49	$10.21	$10.12	$10.52	$10.74	$11.26	$11.14	$11.45	$11.63	$11.94	$12.12	$12.33	$12.72	$12.92	$13.34	$13.58	$13.97	$14.21	$14.21
Revenue/Share	$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	$6.77	$5.26	$5.31
FCF/Share	$-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	$1.74	$1.76
OCF/Share	$-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	$1.75	$1.76
Cash/Share	$23.15	$32.66	$25.52	$27.74	$18.98	$19.45	$21.01	$16.96	$17.14	$12.69	$13.50	$17.81	$18.59	$13.38	$15.31	$7.40	$12.59	$8.77	$0.52	$0.67	$0.68
EBITDA/Share	$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	$1.58	$1.68	$1.85	$1.85
Debt/Share	$3.06	$3.04	$3.01	$9.15	$5.70	$15.95	$1.64	$1.64	$1.60	$6.22	$1.55	$1.53	$1.49	$4.13	$1.41	$1.42	$1.41	$1.03	$1.69	$1.66	$1.66
Net Debt/Share	$-20.08	$-29.63	$-22.51	$-18.59	$-13.28	$-3.50	$-19.37	$-15.31	$-15.54	$-6.46	$-11.95	$-16.28	$-17.10	$-9.25	$-13.90	$-5.98	$-11.18	$-7.74	$1.17	$0.99	$0.99

Academic Models

Metric	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	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.186
Altman Z-Prime	snapshot only																				0.496
Piotroski F-Score	5	6	6	4	5	4	6	6	6	6	5	6	6	8	7	7	7	9	8	7	7
Beneish M-Score	-2.60	-2.65	-2.53	-2.40	-2.37	-1.97	-1.70	-1.78	-1.94	-1.47	-2.40	-2.44	-2.41	-2.52	-2.55	-2.55	-2.55	-2.48	-2.44	0.32	0.320
Ohlson O-Score	snapshot only																				-4.835
ROIC (Greenblatt)	snapshot only																				4.63%
Net-Net WC	snapshot only																				$-115.07
EVA	snapshot only																				$-2492100.00

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				A+
Credit Score	53.55	62.32	56.86	56.83	76.99	49.45	69.65	67.65	65.22	35.84	59.30	57.36	59.06	50.43	77.90	72.84	71.70	70.87	73.11	75.47	75.469
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				2.627
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				76
Sector Credit Rank	snapshot only																				66

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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