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FVCBankcorp, Inc.

FVCBankcorp, Inc.

NASDAQ•FVCB
CEO: Mr. David W. Pijor Esq.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2015-05-06
FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors in Virginia. It offers various deposit products, including interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. The company also provides lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company was founded in 2007 and is headquartered in Fairfax, Virginia.
Contact Information
11325 Random Hills Road, Suite 240, Fairfax, VA, 22030, United States
703-436-3800
www.fvcbank.com
Market Cap
$236.96M
P/E (TTM)
11.1
14.8
Dividend Yield
0.9%
52W High
$14.36
52W Low
$9.49
52W Range
74%
Rank47Top 48.2%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$30.35M+5.30%
4-Quarter Trend

EPS

$0.31+19.23%
4-Quarter Trend

FCF

$7.56M+63.63%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Rises 19% Q3 Net Income reached $5.58M, up 19% year-over-year, driven by strong Net Interest Income growth of 13% to $16.03M.
NIM Expansion Strong Net Interest Margin improved 27 basis points to 2.91% due to loan repricing and lower funding costs, which decreased 39 basis points.
Asset Quality Improves Notably Nonperforming Loans decreased 14% to $11.1M, resulting in an improved NPL ratio of 0.48% compared to 0.58% previously.
Deposit Base Expanded Total deposits grew $107.3M to $1.98B by September 30, 2025, supported by strong growth in interest-bearing checking accounts.

Risk Factors

CRE Concentration Remains High Commercial Real Estate concentration remains high at 63% of total loans, posing risk if regional real estate markets decline further.
Cannabis Banking Exposure Significant business activity with cannabis customers ($151.6M in loans) faces uncertainty due to potential federal enforcement actions.
Noninterest Expense Growth Salaries and benefits expense increased 6.1% YTD ($860K), while technology expenses (Internet banking) rose 21.1% ($450K).
Interest Rate Environment While NIM improved, continued rate volatility impacts asset yields and funding costs, requiring active management of interest rate swaps.

Outlook

Loan Pipeline Closing Soon Loan commitments over $65M approved in Q3 2025 are expected to close and fund in Q4 2025 at a weighted average rate of 8.95%.
Capital Position Maintained Bank believes it meets all regulatory capital adequacy requirements, maintaining strong ratios above minimums including the conservation buffer.
ACL Methodology Review ACL determination remains highly subjective, relying on peer data and economic forecasts; provisions may change based on future economic shifts.
Share Repurchase Program Active Renewed repurchase program allows buying up to 1.3M shares (7% of 12/31/24 outstanding) through March 31, 2026.

Peer Comparison

Revenue (TTM)

C&F Financial CorporationCFFI
$178.57M
+8.3%
Investar Holding CorporationISTR
$155.26M
+0.5%
Western New England Bancorp, Inc.WNEB
$129.80M
+9.0%

Gross Margin (Latest Quarter)

Oak Valley BancorpOVLY
85.7%
-6.2pp
Middlefield Banc Corp.MBCN
68.3%
+15.0pp
FVCBankcorp, Inc.FVCB
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MBCN$299.24M61.71.5%4.4%
WNEB$267.42M19.75.6%3.7%
ISTR$265.03M11.58.8%3.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.9%
Moderate Growth
4Q Net Income CAGR
4.4%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 22, 2026
|
EPS:$0.31
|
Revenue:$16.45M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 12, 2025|
    Revenue: $30.35M+5.3%
    |
    EPS: $0.31+19.2%
    Meet

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 13, 2025|
    Revenue: $30.09M+9.3%
    |
    EPS: $0.31+34.8%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 14, 2025|
    Revenue: $27.98M+5.6%
    |
    EPS: $0.28+272.3%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 20, 2025|
    Revenue: $111.58M+21.5%
    |
    EPS: $0.83+277.3%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 13, 2024|
    Revenue: $28.82M+3.6%
    |
    EPS: $0.26+13.0%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 13, 2024|
    Revenue: $27.54M+0.6%
    |
    EPS: $0.23-4.2%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 14, 2024|
    Revenue: $26.51M+28.2%
    |
    EPS: $0.08+88.0%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 21, 2024|
    Revenue: $91.86M+10.7%
    |
    EPS: $0.22-84.6%
    Beat