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

$261.54M

P/E (TTM)

11.8

14.2

Dividend Yield

1.2%

52W High

$17.94

52W Low

$9.49

52W Range

59%

Rank43Top 50.7%

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: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$31.51M+9.74%

4-Quarter Trend

EPS

$0.31+14.82%

4-Quarter Trend

FCF

$12.96M-100.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth GAAP Net Income reached $22.1M in 2025, marking a substantial 46% increase over $15.1M reported in 2024, driven by better margins.

Net Interest Margin Expansion NIM improved significantly by 30 basis points to 2.92% in 2025, driven by lower funding costs outpacing asset yield changes across the portfolio.

Asset Quality Shows Improvement Nonperforming loan ratio decreased to 0.55% of net loans in 2025 from 0.69% in 2024; provision for credit losses increased to $1.6M.

Deposits and Assets Grew Total assets grew to $2.29B, supported by a 7% increase in total deposits, reaching $2.00B by year-end 2025, reflecting strong core deposit retention.

Risk Factors

Local Economic Sensitivity Business concentration in Washington D.C./Baltimore MSAs exposes performance to adverse local economic, political, or environmental conditions impacting loan quality.

CRE Portfolio Concentration Commercial Real Estate loans comprise 61% of net loans, creating heightened risk if regional real estate markets experience significant downturns or volatility.

Interest Rate Environment Risk Profitability remains highly sensitive to interest rate policies; rapid changes could compress net interest income if deposit costs rise faster than loan yields.

Cybersecurity and Tech Risks Significant reliance on third-party IT systems creates operational risk; system failures or security breaches could severely disrupt operations and damage reputation.

Outlook

Focus on Organic Growth Strategy emphasizes organic expansion through customer acquisition and selective branching, aiming to increase market share while maintaining strong asset quality.

Strong Capital Adequacy Maintained Bank capital ratios remain robust, with Tangible Common Equity at 11.38%, well exceeding minimum regulatory requirements under Prompt Corrective Action rules.

Managing Credit Loss Provision Management expects continued monitoring of credit quality, anticipating potential need for further ACL additions based on loan growth and economic forecasts.

Adapting to Regulatory Changes Company must dedicate resources to comply with evolving federal regulations, including cybersecurity disclosure rules and ongoing changes to capital standards.

Peer Comparison

Revenue (TTM)

CFFI

$183.79M

+10.1%

ISTR

$153.49M

-1.9%

FSFG

$146.33M

+8.9%

Gross Margin (Latest Quarter)

OVLY

95.9%

+11.9pp

CBNA

91.8%

+0.4pp

LCNB

72.6%

+10.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
MBCN	$273.63M	14.0	8.8%	9.8%
ISTR	$262.04M	11.4	8.3%	5.4%
FVCB	$261.54M	11.8	8.9%	0.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

4.0%

Moderate Growth

4Q Net Income CAGR

3.0%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 16, 2026

EPS:$0.33

Revenue:$18.24M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data