FVCB (FVCBankcorp) Liabilities-to-Assets : 0.89 (As of Mar. 2026)


FVCB FVCBankcorp Inc FVCB
63 GF Score
Price $17.33
GF Value $15.74
Valuation Fairly Valued
! 5 Warning Signs
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What is FVCBankcorp Liabilities-to-Assets?

FVCBankcorp FVCB -0.06% 63 Liabilities-to-Assets is 0.89 as of Mar. 2026. GuruFocus rates FVCB with a GF Score™ of 63/100 and a GF Value™ of $15.74 (Fairly Valued). The stock has 5 warning signs investors should review.

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. FVCBankcorp's Total Liabilities for the quarter that ended in Mar. 2026 was $2,075.10 Mil. FVCBankcorp's Total Assets for the quarter that ended in Mar. 2026 was $2,335.43 Mil. Therefore, FVCBankcorp's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.89.


FVCBankcorp  (NAS:FVCB) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


FVCBankcorp Liabilities-to-Assets Related Terms


FVCBankcorp Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for FVCBankcorp's Liabilities-to-Assets can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

FVCBankcorp Liabilities-to-Assets Chart

FVCBankcorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 0.91 0.90 0.89 0.89

FVCBankcorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Liabilities-to-Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.89 0.89 0.89 0.89 0.89

FVCB vs FSBW, MFGI, MYFW: Liabilities-to-Assets Comparison

For the Banks - Regional subindustry, FVCBankcorp's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


FVCBankcorp Liabilities-to-Assets vs Banks Industry

For the Banks industry and Financial Services sector, FVCBankcorp's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where FVCBankcorp's Liabilities-to-Assets falls into.


FVCB
63GF Score
FVCBankcorp Inc FVCB
Liabilities-to-Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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FVCBankcorp Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

FVCBankcorp's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=2038.656/2292.256
=0.89

FVCBankcorp's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 is calculated as

Liabilities-to-Assets (Q: Mar. 2026 )=Total Liabilities/Total Assets
=2075.103/2335.434
=0.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.89 mean?
FVCBankcorp (FVCB) has a Liabilities-to-Assets of 0.89 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on FVCBankcorp and its competitors.
Is FVCBankcorp's Liabilities-to-Assets too high?
FVCBankcorp's current Liabilities-to-Assets is 0.89. Overall, FVCBankcorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FVCBankcorp's Liabilities-to-Assets compare to FSBW and MFGI?
FVCBankcorp's Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on FVCBankcorp and its competitors. FVCBankcorp's current Liabilities-to-Assets is 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FVCBankcorp stock overvalued right now?
Based on GuruFocus' analysis, FVCBankcorp (FVCB) is currently considered Fairly Valued. The stock's GF Value™ is $15.74, compared to a current price of $17.33 — trading 10.1% above its estimated fair value. The current Liabilities-to-Assets is 0.89. FVCBankcorp's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For FVCBankcorp (FVCB), the current Liabilities-to-Assets is 0.89 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is FVCBankcorp (FVCB) Overvalued in 2026?

Based on GuruFocus' analysis, FVCBankcorp stock appears to be overvalued. The current stock price of $17.33 is trading 10.1% above its estimated GF Value™ of $15.74. GuruFocus considers FVCBankcorp to be Fairly Valued.

Key valuation signals for FVCB:

  • Liabilities-to-Assets: 0.89
  • GF Value™: $15.74 vs. price of $17.33 (10.1% above fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the FVCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


FVCBankcorp Business Description

Address 11325 Random Hills Road, Suite 240, Fairfax, VA, USA, 22030
FVCBankcorp Inc is a registered bank holding company. It operates through the sole subsidiary, which is a community-oriented, locally-owned, and managed commercial bank. It offers commercial banking services to small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. It also provides retail banking services to accommodate the individual needs of both corporate customers as well as the communities it serves. The bank provides other facilities such as online banking, mobile banking, remote deposit service, and lending products, among others. Its primary source of revenue is the net interest income.
63GF Score

Get the complete analysis for FVCB

Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.33
Price
$15.74
GF Value