Freedom Financial Holdings, Inc. (FDVA) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Freedom Financial Holdings, Inc. (FDVA) trades at $12.00 with AI Score 43/100 (Grade C). Freedom Financial Holdings, Inc. Market cap: $85.2M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for FDVA: FDVA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FDVA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FDVA: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Freedom Financial Holdings, Inc. (FDVA) Financial Services Profile
Freedom Financial Holdings, Inc., established in 2021, operates as the holding company for The Freedom Bank of Virginia, providing commercial and personal banking services. The company focuses on serving the Northern Virginia market, offering a suite of deposit accounts, loans, and digital banking solutions, competing with larger regional and national banks.
What Is the Investment Thesis for FDVA?
Freedom Financial Holdings, Inc. presents a focused investment opportunity within the Northern Virginia banking sector. With a market capitalization of $85.2M, the company aims to grow its market share by leveraging its local presence and customer-centric approach. Key value drivers include expanding its loan portfolio and increasing deposit base. The company's low beta of 0.01 suggests lower volatility compared to the broader market. However, a low profit margin of 1.5% and ROE of 0.5% indicate areas for improvement in operational efficiency and profitability. Future growth will depend on successful execution of its expansion strategy and effective management of credit risk.
Based on FMP financials and quantitative analysis
FDVA Key Highlights
Market capitalization of $85.2M, reflecting its position as a smaller regional bank.
- Profit margin of 1.5%, indicating potential for improved operational efficiency.
- Return on Equity (ROE) of 0.5%, suggesting limited profitability relative to shareholder equity.
- Beta of 0.01, indicating low volatility compared to the overall market.
- Operates primarily in the Northern Virginia region, focusing on commercial, personal, and mortgage banking solutions.
Who Are FDVA's Competitors?
FDVA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BAC Bank of America Corporation | $61.86 | -2.07% | $439B | 93 |
| WFC Wells Fargo & Company | $83.92 | -2.35% | $254B | 64 |
| C Citigroup Inc. | $130.89 | -1.50% | $224B | 33 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FDVA's Key Strengths?
Strong local presence in Northern Virginia.
- Personalized customer service.
- Established branch network.
- Focus on small to medium-sized businesses.
What Are FDVA's Weaknesses?
Smaller size compared to national banks.
- Limited geographic reach.
- Lower profit margin compared to peers.
- Limited brand recognition outside of Northern Virginia.
What Could Drive FDVA Stock Higher?
Potential for increased profitability through operational efficiencies.
- Continued expansion of commercial lending portfolio.
- Growth in digital banking adoption among customers.
- Strategic branch expansion in Northern Virginia.
- Enhanced treasury management services driving fee income.
What Are the Key Risks for FDVA?
Financial-distress signal — its Altman Z-Score of 0.18 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.6%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturn in Northern Virginia impacting loan performance.
- Increased competition from larger national banks and fintech companies.
- Rising interest rates affecting loan demand and profitability.
- Regulatory compliance costs.
- Credit risk associated with loan portfolio.
What Are the Growth Opportunities for FDVA?
- Expansion of Commercial Lending: Freedom Financial Holdings, Inc. can capitalize on the growing demand for commercial loans in the Northern Virginia region. By targeting small to medium-sized businesses with tailored lending solutions, the company can increase its loan portfolio and generate higher interest income. The commercial lending market in Virginia is estimated to be worth billions of dollars, offering significant growth potential. Timeline: Ongoing.
- Increased Focus on Digital Banking: Investing in and expanding its digital banking platform can attract a younger demographic and enhance customer convenience. By offering user-friendly mobile and online banking services, Freedom Financial Holdings, Inc. can increase customer acquisition and retention. The digital banking market is rapidly growing, with a projected market size of trillions of dollars globally. Timeline: Ongoing.
- Strategic Branch Expansion: Opening new branches in underserved areas within Northern Virginia can expand the company's geographic reach and customer base. By carefully selecting locations with high growth potential, Freedom Financial Holdings, Inc. can increase its deposit base and loan volume. The timeline for opening new branches is typically 12-18 months per branch. Timeline: Upcoming.
- Enhanced Treasury Management Services: Offering comprehensive treasury management services to businesses can generate fee income and strengthen customer relationships. By providing solutions such as cash management, payment processing, and fraud prevention, Freedom Financial Holdings, Inc. can attract and retain business clients. The treasury management services market is growing, driven by increasing complexity in financial operations. Timeline: Ongoing.
- Mortgage Lending Growth: Capitalizing on the demand for mortgage loans in the Northern Virginia housing market can significantly boost revenue. By offering competitive mortgage rates and personalized service, Freedom Financial Holdings, Inc. can attract homebuyers and increase its mortgage loan portfolio. The housing market in Northern Virginia is robust, with a high demand for both new and existing homes. Timeline: Ongoing.
What Are FDVA's Competitive Advantages?
- Strong local presence and relationships in Northern Virginia.
- Personalized customer service.
- Community bank reputation.
- Established branch network in key markets.
What Does FDVA Do?
Freedom Financial Holdings, Inc. was founded in 2021 and serves as the bank holding company for The Freedom Bank of Virginia. The bank provides a comprehensive suite of financial services, including commercial banking, personal banking, and mortgage banking solutions. Operating primarily in the Northern Virginia region, with locations in Vienna, Fairfax, Chantilly, Reston, and Manassas, the bank focuses on serving small to medium-sized businesses and individuals. Its offerings include a variety of deposit accounts such as personal and business checking, savings, money market accounts, and certificates of deposit. Loan products encompass business term loans, personal loans, mortgage loans, commercial real estate financing, and small business lending. The bank also provides services like treasury management, online and mobile banking, and merchant services. Freedom Bank aims to differentiate itself through personalized service and local market expertise, catering to clients who value a community banking experience. The company competes with larger regional and national banks, as well as other community banks and credit unions, within its geographic footprint.
What Products and Services Does FDVA Offer?
- Provides commercial banking services to businesses in Northern Virginia.
- Offers personal banking solutions including checking and savings accounts.
- Provides mortgage lending services for residential properties.
- Offers commercial real estate financing.
- Provides small business lending services.
- Offers online and mobile banking services.
- Provides treasury management services to businesses.
How Does FDVA Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as treasury management and merchant services.
- Gains revenue from mortgage origination and servicing.
- Attracts deposits from individuals and businesses.
What Industry Does FDVA Operate In?
Freedom Financial Holdings, Inc. operates in the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also influenced by regulatory changes and interest rate fluctuations. Regional banks like Freedom Financial Holdings, Inc. focus on building strong local relationships and providing personalized services to differentiate themselves. The market is seeing a trend towards digital banking solutions, requiring regional banks to invest in technology to remain competitive. The regional banking sector is expected to grow moderately, driven by economic growth in local markets and increased demand for loans and financial services.
Who Are FDVA's Key Customers?
- Small to medium-sized businesses in Northern Virginia.
- Individuals seeking personal banking services.
- Homebuyers seeking mortgage loans.
- Commercial real estate investors.
Freedom Financial Holdings, Inc. (FDVA) Valuation Context
Valued at $85.2M, FDVA is classified as a micro-cap stock. Relative to its peer group, FDVA's quantitative score of 43/100 is below the peer average of 75/100.
FDVA Revenue & Earnings Trend
In Q2 2026, FDVA generated $15.4M in top-line revenue, marking a sequential increase of 1.4%. The company recorded net income of $290K, with diluted EPS of $0.04. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, FDVA averaged $-0.03 in diluted EPS.
Company Profile
Freedom Financial Holdings, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fairfax, US. The company is led by CEO Joseph Janney Thomas. FDVA has traded publicly since 2007.
Key Financial Metrics
Return on equity for Freedom Financial Holdings, Inc. stands at -0.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -0.6%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Freedom Financial Holdings, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.18 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Freedom Financial Holdings, Inc. has beaten Wall Street's EPS estimate in 3 of its last 5 reported quarters — more hits than misses. Reported results have landed about 20.5% below estimates on average.
Forward Outlook
Wall Street analysts project Freedom Financial Holdings, Inc. revenue of about $71.9M for fiscal 2026, with EPS near $0.55.
FDVA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Freedom Financial's future, aligning interests with shareholders.
- Positive community sentiment indicates growing belief in the company's long-term strategy.
- Market perception of Freedom Financial is improving, potentially driven by recent strategic partnerships.
- Bullish community views highlight the potential for Freedom Financial to disrupt the financial services sector.
Bear Case
- Recent insider selling, while not always indicative of negative sentiment, raises questions about short-term prospects.
- Negative community sentiment suggests concerns about Freedom Financial's ability to compete in a crowded market.
- Market perception of Freedom Financial is waning, potentially due to increased regulatory scrutiny.
- Bearish community views emphasize the challenges Freedom Financial faces in scaling its operations effectively.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $15M | $289,621 | $0.04 |
| Q1 2026 | $15M | $1M | $0.16 |
| Q4 2025 | $15M | -$4M | -$0.50 |
| Q3 2025 | $16M | $1M | $0.16 |
Based on FMP financials and quantitative analysis
FDVA Latest News
No recent news available for FDVA.
FDVA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FDVA.
Price Targets
Wall Street price target analysis for FDVA.
FDVA MoonshotScore
What does this score mean?
The MoonshotScore rates FDVA 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
FDVA OTC Market Information
The OTCQX tier represents the highest tier of the OTC market, offering enhanced visibility and credibility compared to lower tiers like OTCQB and Pink. Companies on OTCQX must meet higher financial standards, undergo a more rigorous application process, and adhere to ongoing compliance requirements. This tier is designed for established, investor-focused companies seeking to provide greater transparency and liquidity to their shareholders, without the listing requirements of exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Lower liquidity compared to major exchanges.
- Less stringent regulatory oversight than NYSE or NASDAQ.
- Potential for wider bid-ask spreads.
- Limited analyst coverage.
- Dependence on the OTC market for trading.
- Verify the company's financial statements and disclosures.
- Review the company's OTCQX compliance status.
- Assess the trading volume and bid-ask spread.
- Research the company's management team and board of directors.
- Understand the company's business model and competitive landscape.
- Evaluate the company's risk factors.
- Consult with a financial advisor.
- OTCQX listing indicates a higher level of compliance and transparency.
- Current financial disclosures are available.
- Established business operations in Northern Virginia.
- Membership in relevant industry associations.
- Positive customer reviews and testimonials.
Freedom Financial Holdings, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for FDVA?
FDVA holds an AI Score of 43/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Freedom Financial Holdings, Inc. is a bank holding company operating through The Freedom Bank of Virginia, offering commercial, personal, and mortgage banking solutions. The company focuses …
What does Freedom Financial Holdings, Inc. do?
Freedom Financial Holdings, Inc. operates as the bank holding company for The Freedom Bank of Virginia, providing a range of commercial, personal, and mortgage banking solutions. The bank focuses on serving the Northern Virginia region, offering deposit accounts, loans, and digital banking services.
What are the main risks for FDVA?
The main risks for Freedom Financial Holdings, Inc. include economic downturn in Northern Virginia, which could impact loan performance and profitability. Increased competition from larger national banks and fintech companies poses a threat to market share. Rising interest rates could affect loan demand and profitability. Regulatory compliance costs and credit risk associated with the loan portfolio are also significant concerns.
What are the key factors to evaluate for FDVA?
Freedom Financial Holdings, Inc. (FDVA) holds an AI score of 43/100 (low). presents a focused investment opportunity within the Northern Virginia banking sector. Not financial advice.
How frequently does FDVA data refresh on this page?
FDVA's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FDVA's recent stock price performance?
Freedom Financial Holdings, Inc. (FDVA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Northern Virginia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FDVA overvalued or undervalued right now?
Freedom Financial Holdings, Inc. (FDVA) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FDVA before investing?
Before investing in Freedom Financial Holdings, Inc. (FDVA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FDVA to a portfolio?
Key strength of Freedom Financial Holdings, Inc. (FDVA): Strong local presence in Northern Virginia. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for FDVA.
- Financial data based on available public information.