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FVCB

FVCBankcorp, Inc.

FVCB

FVCBankcorp, Inc. • NASDAQ
$12.71 ▼ -0.39% (-0.05)
Market Cap $229.73 M
52w High $14.46
52w Low $9.49
Dividend Yield 0.24%
P/E 10.86
Volume 10.40K
Outstanding Shares 18.07M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $30.352M ▲ $8.964M ▼ $5.579M ▼ 18.381% ▼ $0.31 $7.301M ▼
Q2-2025 $30.087M ▲ $9.077M ▲ $5.667M ▲ 18.835% ▲ $0.31 ▲ $7.32M ▲
Q1-2025 $27.983M ▼ $7.888M ▼ $5.165M ▲ 18.458% ▲ $0.28 ▲ $6.485M ▲
Q4-2024 $28.711M ▼ $7.981M ▲ $4.9M ▲ 17.067% ▲ $0.27 ▲ $6.466M ▲
Q3-2024 $28.823M $7.969M $4.669M 16.199% $0.26 $6.139M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $228.924M ▲ $2.319B ▲ $2.069B ▲ $249.804M ▲
Q2-2025 $135.132M ▼ $2.237B ▼ $1.994B ▼ $243.163M ▲
Q1-2025 $282.647M ▲ $2.241B ▲ $1.998B ▲ $242.328M ▲
Q4-2024 $247.425M ▼ $2.199B ▼ $1.964B ▼ $235.354M ▲
Q3-2024 $342.657M $2.293B $2.062B $230.83M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.579M ▼ $7.564M ▲ $-80.902M ▼ $73.628M ▲ $290K ▼ $7.563M ▲
Q2-2025 $5.667M ▲ $3.288M ▼ $6.19M ▲ $-7.808M ▼ $1.67M ▼ $3.275M ▼
Q1-2025 $5.165M ▲ $5.416M ▲ $-36.845M ▼ $36.225M ▲ $4.796M ▲ $5.4M ▲
Q4-2024 $4.9M ▲ $4.848M ▲ $91.441M ▲ $-98.179M ▼ $-1.89M ▼ $4.832M ▲
Q3-2024 $4.669M $4.68M $4.428M $-9.244M $-136K $4.622M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q3-2025
Fees Exchange And Other Service Charges
Fees Exchange And Other Service Charges
 $0 ▲$0 ▲$0 ▲$0 ▲
Service Charges On Deposit Accounts
Service Charges On Deposit Accounts
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has trended upward over the last several years, showing a bank that is gradually expanding its business base. Profitability, however, has been more uneven. Earnings were solid in 2021–2022, dipped sharply in 2023, and then rebounded in 2024, though not yet back to the prior peak. This pattern suggests exposure to shifting interest rates and funding costs, which is common for regional banks. Overall, the bank is clearly profitable, but its recent history shows that earnings can be sensitive to the broader banking environment and credit conditions.

Balance Sheet

Balance Sheet The balance sheet looks generally steady and conservatively built. Total assets have been broadly stable, with only modest growth, suggesting disciplined expansion rather than aggressive balance sheet stretch. Capital levels (equity) have gradually increased, which strengthens the cushion against future shocks. Debt rose meaningfully a few years ago but has since been scaled back, pointing to an effort to reduce reliance on wholesale funding. Cash levels are lower than the spike seen earlier in the period but remain reasonable for a community bank, implying an active use of funds for loans while still maintaining liquidity.

Cash Flow

Cash Flow Cash flow from operations has been consistently positive and fairly stable, which is important for a lending-focused business. Free cash flow closely tracks operating cash flow because the bank is not a heavy spender on physical capital projects. This pattern reflects the typical asset-light nature of banking and indicates that internal cash generation is sufficient to support day‑to‑day operations and strategic initiatives without obvious strain. There are no signs in the data of cash burn or erratic swings in core cash generation.

Competitive Edge

Competitive Edge FVCBankcorp operates in attractive but highly competitive metropolitan markets, going up against both large national players and other community banks. Its edge comes from combining strong local relationships with modern digital tools: rapid small-business lending, sophisticated treasury services, and support for niche sectors such as cannabis-related businesses. Deep community ties and experienced local bankers help it win and retain clients that value personal service and fast decisions. The flip side is a concentrated geographic footprint and exposure to local economic conditions, as well as constant pressure from bigger banks and fintechs that can undercut on price or technology.

Innovation and R&D

Innovation and R&D For a community bank, FVCBankcorp is notably active on the innovation front. It has invested in a fast, largely automated lending platform for business clients, a unified digital banking experience, and data-driven tools that help customers manage their finances more intelligently. Much of this innovation is driven through partnerships with fintech providers rather than in-house development, which helps keep costs lower but creates dependence on key vendors. The “Next Generation Banking” initiative signals ongoing commitment to digital upgrades, analytics, and specialized lending programs. The main execution risk is balancing innovation speed with risk management and regulatory demands.

Summary

FVCBankcorp appears to be a relationship-focused regional bank that has layered meaningful technology on top of a traditional community banking model. Financially, it shows a pattern of steady revenue growth, solid but somewhat volatile earnings, a conservative balance sheet, and consistent positive cash flow. Competitively, it stands out through its blend of high-touch service, local expertise, and targeted digital tools for business clients and niche sectors. Future performance will likely hinge on how well it navigates interest rate cycles, credit quality, and competition while continuing to deliver on its technology-driven strategy without overextending its risk profile.

NEWS

October 21, 2025 · 4:00 PM UTC

FVCBankcorp, Inc. Announces 19% Increase in Quarterly Net Income and 61% Increase in Year-To-Date Net Income

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October 16, 2025 · 4:00 PM UTC

FVCBankcorp, Inc. Announces Quarterly Cash Dividend

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